Zelle only operates within the United States, meaning you can only send and receive money to and from other US-based bank accounts.
Consumers who attempt to use Zelle for international transfers will not be able to do so, and should be aware this limitation exists before relying on the platform.
The US-only service restriction has implications for Bank Secrecy Act (BSA) and OFAC compliance frameworks, as it limits transaction monitoring obligations to domestic transfers. Participating institutions should ensure their Zelle integration agreements clearly communicate this geographic restriction to customers.
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Zelle shares user data for cross-context behavioral advertising, which means your information may be used to target you with ads across different platforms and websites. While Zelle states it does not sell data, this sharing practice may still constitute a 'sale' under California's CCPA, giving California residents the right to opt out. You can opt out of this data sharing by clicking the 'Do Not Sell or Share My Personal Information' link in Zelle's website footer.