Home › Save › Money transfer apps › Zelle vs PayPal
Both move money between people. Here's how Zelle and PayPal compare on fees and what happens if something goes wrong.
| Zelle | PayPal | |
|---|---|---|
| Instant transfer fee | Typically no fee (check with your bank) | 1.75% ($0.25 min, $25 max) |
| Standard transfer | Typically minutes | Free bank transfer |
| Can you cancel a payment? | Generally no, if the recipient is enrolled | not found |
| International | No (US only) | Yes (fees vary) |
Sources: Zelle page (checked 2026-10-12) · PayPal page (checked 2026-10-12)
Instant transfer fee: Zelle Typically no fee (check with your bank), PayPal 1.75% ($0.25 min, $25 max); Standard transfer: Zelle Typically minutes, PayPal Free bank transfer; Can you cancel a payment?: Zelle Generally no, if the recipient is enrolled, PayPal not found; International: Zelle No (US only), PayPal Yes (fees vary).
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.