Zelle may not be working for several reasons as of 2025. Key causes include:
- Recent technical glitches and outages tied to service providers like Fiserv that can cause temporary disruptions or transactions to be stuck as "payment pending".
- Issues with your bank or credit union account, including holds, freezes, or enrollment problems, since Zelle works primarily through bank apps.
- Zelle shut down its standalone mobile app in April 2025, so users must now access the service exclusively via their bank’s app or website.
- Other causes can be incorrect recipient information, insufficient funds, limits on transfers, or account suspension due to security or policy violations.
- General technical problems such as app bugs, outdated bank or Zelle apps, device or internet issues can also cause failures.
- Zelle customers experiencing account suspensions need to verify identity or resolve bank issues as communicated by Zelle or their bank.
If Zelle is not working, first check if your bank app is updated and operational, verify recipient details, ensure sufficient funds, and check if you still have access through your bank app since the standalone Zelle app is no longer available. For ongoing issues, contacting your bank or Zelle support directly is advisable.
In summary, Zelle issues mostly stem from technical disruptions, changes to the app's availability, bank-related issues, or user account problems.
