# What Is the Zelle Daily Limit at Wells Fargo? | Send Money Safely Zelle is a fast peer-to-peer transfer service offered by many U.S. banks—including Wells Fargo—that lets customers send money to friends, family, or other trusted individuals using just an email address or mobile phone number. Because funds move almost instantly and the recipient is identified, there are limits imposed by Wells Fargo to protect customers and reduce fraud risk. ### The Daily Send Limit at Wells Fargo At Wells Fargo, there is a daily limit on how much you can send using Zelle. The exact amount can vary depending on multiple factors (account type, account history, recipient status, etc.). wellsfargo.com wellsfargo.com While Wells Fargo doesn’t always publish one flat number for every account, many sources and recent data indicate that a typical daily sending limit is around $3,500. Wise Bankrate There is also a 30-day (rolling) limit, which aggregates how much money you’ve sent over the past 30 days. This helps prevent large outflows over short time spans. For many Wells Fargo accounts this 30-day limit is about $20,000. Bankrate ### Factors That Can Change Your Zelle Limit Even though the common limit amounts are in the ballpark of $3,500 per day / $20,000 per 30 days, your personal limit may differ. Factors include: Account type: Personal vs business accounts may have different limits. wellsfargo.com Account history: How long you’ve been a customer, how often you’ve used Zelle, whether your payments are considered “established recipients.” wellsfargo.com wellsfargo.com Recipient status: If you are sending to a “new recipient,” Wells Fargo may impose lower limits initially. Once that recipient becomes “established” (after repeated payments or after some waiting period), the allowed daily amount may increase. wellsfargo.com Reddit Funding account / balance: Some limits depend on which account you’re using to fund the transfer and whether your balance supports the transaction. wellsfargo.com **Receiving Limits** Wells Fargo does not limit how much you can receive with Zelle via your enrolled email or U.S. mobile number. There are no caps on incoming transfers through Zelle, though the sender will be subject to sending limits from their financial institution. wellsfargo.com What Happens If You Hit Your Limit If you try to send more than your allowed amount in a single day, or across 30 days, the system will block the transaction. You’ll typically see an error message like “This amount puts you over your daily send limit.” wellsfargo.com **Often, to avoid this:** Split the payment across multiple days Send smaller amounts Wait until your 30-day rolling period “resets” somewhat (older transactions drop off as time passes) ## Can Your Zelle Limit Be Increased? In some cases, yes. Ways the limit might be higher or become higher: Sending repeatedly to the same recipient (making them “established”) can help unlock higher limits. wellsfargo.com Having a longer account history in good standing with Wells Fargo Possibly upgrading to a different account type, or business account (but business accounts often have different rules). However, there’s no guarantee that Wells Fargo will increase your Zelle limit—it depends on their internal policies, risk assessments, and your profile. Always check their current terms or contact customer service for your specific limit. ### How to Find Your Exact Zelle Limit with Wells Fargo Since the amount can vary, here’s how you can check what your specific Zelle limit is: Log into Wells Fargo Online Banking or through the Wells Fargo Mobile App. Navigate to the “Transfers” or “Send Money with Zelle” section. Look for the FAQ / Limits or “Transfer Limits” or “Zelle Limit Terms” section. Wells Fargo usually provides the daily and 30-day limits in a customer-friendly way. Review the Zelle Transfer Service Addendum (often linked in the help/FAQ section) for terms and any specific numbers. wellsfargo.com If you need clarification, you can call or message Wells Fargo’s customer service. Provide your account details and ask “What is my daily Zelle sending limit?” Summary **In short:** Wells Fargo’s typical Zelle daily send limit is about $3,500. The rolling 30-day limit for many accounts tends to be around $20,000. Your personal limit may be lower or higher depending on factors like account type, recipient status, and transaction history. ### There’s no limit on how much you can receive via Zelle. Always verify your own limit via your account or by checking Wells Fargo’s Zelle Terms, since the bank’s policies and your profile can adjust those numbers.