Zelle vs Venmo: Which Money Transfer App Is Best?

Zelle vs Venmo? Zelle and Venmo are two popular mobile apps that enable users to transfer money to friends, family, or anyone else quickly and easily. They function as digital wallets that allow you to split bills, make payments, or give money as a present. 

There are some differences between both apps in terms of features and benefits, so let’s take a closer look at the differences between Zelle and Venmo to determine which one would be the best option for you.

In this blog post, we’ll compare Zelle and Venmo across various aspects to help you make an informed decision.

Suggested: How To Share Venmo Link.

Zelle vs Venmo: Overview

Zelle: Zelle is a convenient mobile application that provides fast and secure money transfers between bank accounts. With Zelle, you can effortlessly send funds to another individual’s account, making transactions quick and easy. 

It is easy to use because it is already part of many major banking apps. A group of major U.S. banks created Zelle.

Venmo: This mobile payment app enables individuals to send and receive money conveniently through a mobile device. PayPal owns it and has a social aspect that allows users to share payment activities and interact with friends. 

Primary FunctionDirect bank-to-bank transfersMobile payment app with social features
Bank Account RequiredYes (sender or receiver)No, but recommended for full functionality
Transfer SpeedInstantVaries: Instant (fee), 1-3 business days (standard)
FeesNone for standard transfersNone for standard transfers, 3% fee for instant transfers from debit/credit card
Social FeaturesNonePublic feeds, splitting bills, adding comments
SecurityBank-grade encryption, multi-factor authenticationBank-grade encryption, multi-factor authentication
Best ForFast and secure bank transfers, splitting bills with trusted individualsEveryday payments with friends and family, splitting bills, online purchases (limited)

Zelle vs Venmo: Fees & Charges

Zelle: With Zelle, there are no fees for standard transactions. As long as both parties have a bank account linked to Zelle, you can transfer money easily and for free.

Venmo: Venmo also offers free transactions when using a linked bank account, but there is a 1.75% fee for instant transfers. Additionally, there is a fee of 3% for transactions funded by credit cards.

Read also: How To Send Money With Zelle.

Zelle vs Venmo: Ease Of Use

The ease of use is an important factor to consider when choosing a payment app.

Zelle: The Zelle app is deeply integrated with many major U.S. bank apps, making it convenient for users who already have these apps. Sending money with Zelle is as simple as selecting a contact from your phone and entering the amount.

Venmo: Venmo offers a user-friendly interface that is easy to use. In just a few taps, users can connect with friends, split bills, and make payments. Its social component makes Venmo fun and interactive.

Read also: How To Get Venmo Statement.

Zelle vs Venmo: Features & Functionality

Both Zelle and Venmo offer a range of features, but there are some significant differences.

Zelle: The Zelle money transfer service is primarily focused on transferring money. It offers an easy and simple user experience. It is not as social as Venmo, but it is more secure with fast and secure transactions.

Venmo: The Venmo app allows users to send and receive money, along with other features like splitting bills, requesting money, and making payments at select merchants. 

A feature that makes it stand out is its social feed, where users can see and interact with the payment activity of friends.

Also know about Venmo Free Money Code.

Zelle vs Venmo: Speed Of Transfer

Zelle: Zelle transactions typically process within minutes if both parties are enrolled in Zelle and have accounts with participating banks.

Venmo: Venmo transfers typically take 1-3 business days to move from your Venmo account to your bank account, making it slightly slower than Zelle.

Suggested: How To Receive Money From Zelle.

Zelle vs Venmo: Pros & Cons



Speedy Transfers: Often happens within minutes, especially if both banks use Zelle.

Direct Bank Integration: Integrated into many bank apps, making it super convenient for users of those banks.


Limited Social Features: It doesn’t provide social interaction features like Venmo.

Bank Dependency: Both parties need a bank account that supports Zelle.



Social and Fun: Offers a social feed, emojis, comments, and likes, making it engaging.

Wide Accessibility: This can be used with various banks and doesn’t require both parties to use the same bank.


Transfer Speed: It can take one to three business days for funds to reach your bank compared to Zelle.

Fees for Some Transactions: Charges fees when using credit cards or non-major debit cards for sending money.


Zelle and Venmo provide convenient ways to send and receive money. Zelle integrates with major banks and offers fee-free transactions, while Venmo stands out with social features and extra functionalities. The best platform for you will depend on your needs and preferences. 

Also, remember to prioritize security and privacy when using payment apps. Be careful when sharing personal information and only transact with trusted individuals.

We hope that in this article you have got a lot of information about Zelle vs Venmo.

Also read: Venmo Sign Up Bonus.


Is Zelle safe or not?

Zelle is generally considered safe for transferring money between individuals.

Can I use Zelle without a bank account?

No, you cannot directly use Zelle without a bank account. Zelle is designed to work with bank accounts in the United States.

Does Venmo work with Zelle?

No, Venmo and Zelle do not directly work with each other. It is a separate platform that is operated by different companies and uses a different method of transferring money.

Does Venmo need your bank account?

Yes, in order to send and receive money through Venmo, users must connect a bank account, credit card, or debit card.