Top 9 Zelle Competitors & Alternatives in 2026

Updated on 12/24/2025

Find more companies/brands/products like Zelle. We've shortlisted leading alternatives and mapped their strengths, pricing, and go-to-market focus.

Zelle

Best for consumers

Est. 2016 • 11-50 employees • Private

Zelle is a U.S.-based digital payments network that lets consumers and small businesses send and receive money directly between bank accounts, typically within minutes, via participating financial institutions or the Zelle app.

Starts at $0

Competitors

#1

Venmo

Best for consumers
Est. 2009 • 201-1k employees • Public (NASDAQ:PYPL)

Venmo is an American mobile payment service and digital wallet app that lets U.S. users send, receive, and spend money socially with friends and businesses, operated as a subsidiary of PayPal.

Owned by PayPal

Starts at $0
#2

Cash App

Best for consumers
Est. 2013 • 1k+ employees • Public (NYSE:XYZ)

Cash App is a consumer digital wallet and financial services platform from Block, Inc. that lets users send and receive money, use a debit card, save, invest in stocks and bitcoin, and access other banking-like features via a mobile app.

Owned by Block

Starts at $0 / user
#3

PayPal

Best for enterprises

Global online payments platform that provides merchant accounts, buyer/seller protections, and compliance tools for legitimate transactions.

Owned by PayPal Holdings, Inc. Owns Venmo
#4

Apple Inc.

Best for consumers
Est. 1976 • 1k+ employees • Public (NASDAQ:AAPL)

Apple Inc. is an American multinational technology company that designs, manufactures, and sells consumer electronics, software, and digital services worldwide.

Owns Beats by Dre
#5

Chime

Chime is a U.S.-focused financial technology company (a neobank) that offers fee-free mobile checking and high-yield savings accounts, early direct deposit, debit and credit-builder cards, and optional paid benefits in partnership with FDIC-insured banks.

Starts at $0
ChampSignal

Best for SMBs
Est. 2025 • 1 employee • Private

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Starts at $39 / month

Has a free trial

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#6

Remitly

Best for consumers
Est. 2011 • 1k+ employees • Public (NASDAQ:RELY)

Remitly is a Seattle-based digital remittance company that enables consumers to send money online internationally to 170+ countries with bank deposits, mobile wallets, cash pickup, and other delivery options.
#7

Wise

Best for consumers
Est. 2011 • 1k+ employees • Public (LSE:WISE)

Wise is a London-based fintech that provides low-cost international money transfers, multi-currency accounts, debit cards, and payment services for individuals and businesses.

Starts at $0
#8

Western Union

Best for consumers
Est. 1851 • 1k+ employees • Public (NYSE:WU)

Western Union is an American multinational financial services company that specializes in global cross-border money transfers, bill payments, and related consumer payment services.
#9

MoneyGram International

Best for consumers
Est. 1940 • 1k+ employees • Private

MoneyGram International is a global financial technology company that enables consumers and businesses to send and receive cross-border money transfers and related payment services in over 200 countries and territories.