Looking for a Zelle alternative?
Zelle users suffered a major change this spring: as of April 1, 2025, the Zelle standalone money transfer app is no longer processing transactions. Instead, to keep using Zelle to send or receive money, standalone app users need to enroll within the mobile app of a bank or credit union that offers Zelle. If you’re impacted by this change, and are looking for a new way to securely send and receive money from your phone, you’ve got plenty of options. Here’s why Cash App should be at the top of your list.
Free overdraft coverage, reimbursed ATM fees, and top interest rate on savings, all with no hidden or monthly fees.*
Fast, easy payments to anyone in your contact list
It only takes a few taps to send or receive money with Cash App, making it just as quick as the Zelle standalone app’s former feature for paying friends back. All you need is their phone number, email, or unique $Cashtag username — no need to exchange bank details (or even use the same bank).* Cash App instant transfers are received instantly through your debit card, and standard transfers are free for personal use so you can settle up dinner or split the rent without worrying about extra charges.¹
Your own debit card with perks
One big advantage Cash App has over Zelle is its Cash App Card, a free* debit card that lets you spend your Cash App balance where Visa is accepted.² The card has no hidden fees and comes with instant discounts at an ever-growing list of coffee, restaurant and retail brands. You can even add it to Apple Pay or Google Pay for contactless payments. And if you want to add a personal touch, you can customize your card with everything from emojis to hand-drawn doodles.
It starts with a
Cash App Card
More than just sending money
Cash App isn’t just for peer-to-peer payments; it’s a full-fledged personal finance hub at your fingertips.You can store money and earn interest (currently from 1.5% APY up to 4% APY) through the Cash App savings feature², or start investing in stocks and bitcoin for as little as $1.³ Keep your money safe with encryption and 24/7 fraud monitoring to protect your funds.
📲 Download Cash App now to get started.
Sponsored by Cash App
Zelle is a trademark of Early Warning Services, LLC. Any third-party trademarks mentioned on this page are the property of their respective owners.
Cash App’s Disclosures:
* Cash App is a financial services platform, not a bank. Banking services are provided by Cash Appʼs bank partner(s). Direct deposit provided by Cash App, a Block, Inc. brand. Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions. Free Cash App Cards come in black white.
¹ Cash App charges a 3% fee to send money from a linked credit card. When transferring money from Cash App to a linked account, there's no fee for a standard cash out, which typically takes 1-3 business days, while there is an instant deposit fee (0.5%-1.75% - $0.25 min) for expedited transfers — typically funds are available within minutes.
² To earn the highest interest rate on your Cash App savings balance, you need to be 18 or older, have a Cash App Card, and direct deposit at least $300 monthly into Cash App. Sponsored Accounts are not eligible to earn interest. Other exceptions may also apply. Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Savings yield rate is subject to change.
³ Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC,, subsidiary of Block, Inc., formerly known as Square, Inc. See our BrokerCheck. Bitcoin services provided by Block, Inc. Investing and bitcoin are non-deposit, non-bank products that are not FDIC insured and involve risk, including monetary loss. Cash App Investing does not trade bitcoin and Block, Inc. is not a member of FINRA or SIPC. For additional information, see the Bitcoin and Cash App Investing disclosures.