Limits set by your bank, not by Zelle To send money, you just need the recipient’s email address or phone number. Transfer limits depend on your bank—for example, Wells Fargo allows $3,500 per day and $20,000 per 30-day rolling period for consumer accounts, while Chase uses a dynamic limit system based on your transaction history and recipient. Important change: As of April 1, 2025, the standalone Zelle app is no longer available.