No More Standalone App, but Don’t Panic—There Are Plenty of Alternatives!
If Zelle is your go-to app for sending money, you might be in for a surprise. Starting on the 1st of April 2025, the standalone Zelle app will no longer be available. But before you worry about how to send that last-minute payment to a friend, here’s the good news: Zelle isn’t disappearing entirely.
If your bank already offers Zelle within its mobile app or online banking, you can continue using it as usual. But if it doesn’t, or if you’re looking for other options, there are plenty of ways to send money quickly and securely.
Why Is Zelle Shutting Down Its App?
Back in 2017, when Zelle first launched, not many banks had integrated it. Fast forward to today, and over 2,200 financial institutions now offer Zelle within their apps. With nearly everyone already using it through their banks, the standalone app just isn’t needed anymore; less than 2% of all Zelle transactions happen outside of banking apps.
Zelle started phasing out transactions on its app last year, explaining:
The vast majority of people using Zelle send money through their financial institution’s mobile app or online banking. We believe this is the best place for Zelle transactions to occur.
There’s also been some controversy around Zelle’s security. Last December, the Consumer Financial Protection Bureau (CFPB) took legal action against the platform and three major U.S. banks for failing to protect users from fraud. While the lawsuit was later dropped, it raised concerns about the safety of digital payments.
What Are the Best Alternatives to Zelle?
If your bank doesn’t support Zelle or you’re looking for something new, here are some great alternatives that work globally, including in the Middle East:
- PayPal – One of the most trusted and widely used payment platforms. Great for both local and international transfers.
- Venmo – Owned by PayPal, it’s perfect for quick peer-to-peer payments, though mainly available in the U.S.
- Apple Pay – If you’re an iPhone user, this is one of the easiest ways to send and receive money instantly.
- Google Pay – Works on both Android and iOS, integrates seamlessly with your bank, and supports international transactions.
- Revolut – A top choice for international money transfers, offering low fees and multi-currency support.
- Cash App – Popular in the U.S., it offers instant payments, a debit card, and even Bitcoin transactions.
How to Keep Your Money Safe When Using Digital Payment Apps
Online payments are super convenient, but they also attract scammers. Here are some simple ways to stay safe when sending money:
- Only send money to people you trust – If you don’t know them, think twice before hitting send.
- Double-check payment details – A small mistake can send your money to the wrong account.
- Be cautious of urgent messages claiming to be from your bank – Scammers love using fake “urgent” warnings.
- Enable two-factor authentication (2FA) – Adds an extra layer of security to your transactions.
- Watch out for deals that seem too good to be true – Because they probably are!
The Future of Digital Payments
Even though Zelle’s app is shutting down, its banking integrations will continue. Meanwhile, the digital payment space is evolving fast. More banks and fintech startups are adding AI-driven fraud detection, real-time transfers, and even crypto-friendly payment solutions.
At the end of the day, whether you’re using Zelle through your bank or switching to another platform, there’s no shortage of easy, safe ways to send and receive money.