You can find a full list of participating banks and credit unions live with Zelle. If your recipient's bank isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS. To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and US mobile number, and a Visa or Mastercard debit card with a US-based account (doesn't include US territories). Zelle doesn't accept debit cards associated with international deposit accounts or any credit cards.