Sending Money is easy with Zelle®

Send money quickly and conveniently with Zelle and M&T. Using only an email address or a U.S. mobile phone number, you can send money to people you know and trust.

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Must have a bank account in the U.S. to use Zelle. Transactions 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.
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Move money in minutes.

At M&T we understand that you want your money to move the way you do. Settle up with the babysitter, share the cost of a birthday gift, or split the dinner bill. 

Waiting on someone to pay you back? No problem.

Use Zelle to request funds from friends and family. Now you can spend less time digging in your wallet and more time enjoying those sweet moments. 

How does it work?

Use the M&T Mobile Banking App or Online Banking and go to Zelle in the menu.

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.
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Choose a Contact

Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number - regardless of their bank).

 

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Select an Amount

Enter the payment amount to send and an optional memo.

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Send the Payment

Just review and confirm the payment and your contact will receive instructions on how to collect the money (if not already enrolled). If already enrolled, the money will go directly into their account, typically in minutes.

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

Zelle F A Qs >

Download the M&T mobile app to your phone.

iPhone® iOS version 8 and later

Android™ OS version 4.0.3 and later​


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.