Sending money is easy with Zelle®

Send or receive money from people you know and trust with Zelle® and M&T . It's quick, convenient and easy to set up.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

Move money in minutes.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

Choose a contact.

Select a person, even if they aren't an M&T customer. You just need their email or U.S. mobile number.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Other product and company names mentioned herein are the property of their respective owners.

Enter an amount.

Enter the payment amount and confirm what you want to send. You'll have the option to add a note.

Send your payment.

If your contact is already enrolled, the money goes directly into their account. If not enrolled, they will receive instructions for next steps.

Let Zelle® work for you with quick, easy access to send money.

  • Shared Expenses

    Pay back family and friends for rent, meals or other shared expenses

  • Service Providers

    Pay service providers like an electrician, landscaper or even a babysitter

  • Family Members

    Easily send money to a spouse, dependent or an individual's bank account

Get Started

Our Step-by-Step Video

We understand that Zelle® might be new to you, but we designed this solution to be easy to use.

Got questions? We're here to help.

Zelle® is a fast and easy way for M&T customers to send money to almost anyone with a bank account in the U.S. With just an email address or U.S. mobile phone number you can now quickly and easily send money.

​With Zelle® you can send money to almost anyone you know and trust with a bank account in the U.S. You can send money directly from the M&T Mobile Banking app or in Online Banking.

Zelle® is a great way to send money to family, friends, and people that you are familiar with such as your personal trainer, babysitter or a neighbor.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle® for these types of transactions. Neither M&T nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

To get started with Zelle®, log into the M&T Mobile Banking app or in Online Banking and select Send Money with Zelle® to enroll.

You can send, request or receive money with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.

To request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.  In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle®.

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

M&T Mobile Banking

Manage your money from the palm of your hand.

Send & receive money

Deposit checks on the go

Available on iOS and Android

Monitor your spending habits

How to Enroll
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.