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BMO Harris Bank togethere with Zelle

Start sending money with Zelle®
It’s fast, safe and easy!

Zelle is a convenient way to send money to people you know and trust using BMO Digital Banking, either online or through the mobile app.

Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send money to, and request money from, friends and family. Funds are sent directly to the recipient’s account in a matter of minutes,1 and all you need is the recipient’s email address or U.S. mobile phone number.

Mobilize your money with Zelle.


Send money fast in just a few steps.


Settle up with roommates, friends and more, regardless of where they bank.2


Easily divide the check for dinner, coffee and more.

Frequently Asked Questions

What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile number you can send money to people you know and trust, regardless of where they bank.2

Who can I send money to with Zelle?

You can send money to friends, family and other people you know.2 We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.1

Since money is sent directly from your bank account to another person’s bank account within minutes,1 it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number. Zelle should not be used to send money to people you don’t know or to purchase goods.

How do I use Zelle?

You can send, request or receive money with Zelle. To get started, log in to BMO Digital Banking and select “Pay & Transfer” found at the top of your screen if you log in using a web browser, or at the bottom of your screen if you log in through the mobile app. Then select “Send money with Zelle®. Follow the instructions for enrolling if you haven’t already done so.

To send money using Zelle today:

  1. Select “Send” and then “Add New Contact,” or you can choose a contact you have already added.
  2. Add the amount you want to send.
  3. Select “Review.” You then have the option to add a note about the reason why you are sending money.
  4. Review your transaction and then select “Send.”

To request money using Zelle:

  1. Choose “Request.”
  2. Select the individual(s) from whom you’d like to request money.
  3. Enter the amount you’d like to request, and include an optional note.
  4. Review and select “Request.”

Note: Payment requests to persons not already enrolled with Zelle must be sent to an email address and will only start processing once the recipient accepts the request.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Additional FAQs

Download the BMO Digital Banking app

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries

Android, Google Play, and the Google Play logo are trademarks of Google Inc.

Message and data rates may apply. Check with your mobile phone carrier for details.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.