Send money
Send money in seconds, not banking hours
Every Zelo transfer is a direct wallet-to-wallet credit. There's no NEFT batch, no IMPS retry, no ‘will land in 24 hours' — money lands the moment you confirm.
Instant credit
Transfers post in under a second. Recipient sees the balance update live.
Confirm before you send
We preview the recipient's masked name so you never fat-finger an account.
24/7 including holidays
Sundays, festivals, midnight — Zelo doesn't take banking hours off.
Three ways to address a payment
11-digit account
The most reliable — copy from any Zelo receipt or profile.
@username handle
Type once, remember forever. Handles are unique and human-friendly.
Scan a QR
Great for in-person — coffee shops, meetups, garage-sale style splits.
Built-in safety on every send
- Live recipient preview shows a masked name before you tap send
- Per-transfer limit protects against typos and mistakes
- Transfers above your high-value threshold require an authenticator code
- Every send is signed with a proof hash on the PDF receipt
- Suspicious accounts are automatically blocked from receiving