U.S. bank accounts typically within minutes. With just an email address or mobile phone number, you can quickly, safely and easily send and receive money with more people, regardless of with they bank. ​ How to use Zelle ? ​ Zelle offers the options to send, receive, or request money. One need not be well-versed in modern technology to understand how Zelle functions. To start using the services, you need to log into digital or mobile banking service provided by your bank and search for the “Send Money with Zelle” option. If your financial institution doesn’t offer Zelle Customer service, you must download the Zelle application in your mobile phone to avail faster and convenient services offered by the platform. Register with a valid U.S. based phone number or email address and start your journey with Zelle.