Zelle is a popular peer-to-peer (P2P) money transfer service that directly integrates with over 2,300 banks. However, not every banking app works with Zelle.
GO2bank is not directly compatible with Zelle
Sadly, GO2bank is not directly integrated with Zelle, since GO2bank is not a “true” bank but a mobile banking platform owned by Green Dot Bank.
Zelle only works with US banks and credit unions. While some fintechs can indirectly access Zelle through their partner banks, this is uncommon. You can’t rely on Zelle transfers with a GO2bank account and will need an alternative P2P transfer app.
If you’re looking for an online banking option that easily works with Zelle, you might consider banks like SoFi® that fully integrate it.
SoFi Checking and Savings
A hybrid account that’s integrated with Zelle automatically.
$0 monthly fees.
Earn interest on checking and savings balances.
Saving Vaults and round-ups.
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.
Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Can I connect my GO2bank account to Zelle?
Unfortunately, no, you cannot connect your GO2bank account to Zelle.
As of early 2025, Zelle has discontinued its standalone app. To use Zelle, you must have a bank account that integrates with Zelle directly.
How to set up Zelle
Even though you can’t send money through Zelle with your GO2bank Account, you can use Zelle with many other banks.
Once you have an account with a bank Zelle integrates with, enroll directly through your bank’s platform by navigating to the money transfer or payments section of your bank’s app.
Zelle’s setup is pretty quick. It just involves verifying your bank account information, getting a secure code emailed or texted to you, verifying your Zelle account — and that’s it. Zelle does not charge anything to sign up, and most banks don’t charge fees to send or receive money through Zelle.
If you want to find a bank that uses Zelle, check Zelle’s website for a list of compatible US banks or credit unions, which include options like Chase, Discover, U.S. Bank and many more top institutions.
Alternatives to Zelle
Since Zelle isn’t compatible with GO2bank, here are some alternatives for P2P transfers you can consider instead:
Cash App. A popular peer-to-peer payment app that lets you send money instantly, split bills, and even invest in stocks or crypto. CashApp also has other offerings like tax filing, a debit card and banking for teens. It is also free to send or receive money to other users.
Venmo. Owned by the renowned payment service PayPal, Venmo is widely used for easy money transfers between friends and includes social features to make splitting costs fun. Venmo is incredibly user-friendly and used by millions.
Apple Pay. Integrated into Apple devices, Apple Pay allows you to send money via iMessage or make secure contactless payments in stores. The downside is that this is only available to those with Apple devices.
Chime®. A fintech that offers a Checking Account with a feature called Pay Anyone that allows Chime users to send money to anyone with a debit card.
Bottom line
Since Zelle isn’t automatically integrated with GO2bank, you won’t be able to send or receive payments directly through Zelle. Instead, you will have to use other P2P services, like Venmo or Cash App.
If using Zelle is important to you, consider switching to a bank that supports it.
See if other popular options support Zelle
Frequently asked questions
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Summer Nevins is a freelance personal finance writer for Finder. After almost a decade of working in banking and financial services, she quickly realized her true passion is to educate consumers about the complicated facets of all things money. Summer has channeled her passion for personal finance education into writing and since 2020 has written for various clients and publications. She’s recently been working with Influencers like Erika Kullberg and continues to contribute to other finance publications. She holds a BS in Management and Finance and an MBA specializing in Data Analytics from Western Kentucky University. See full bio
