Many mobile apps and money transfer services allow you to send money instantly, but most charge a fee for instant transactions. That isn’t the case with Zelle, however. You can use Zelle to send money directly from your bank account to any enrolled recipient in just minutes. If you want to go old school, you could do a wire transfer with Western Union, MoneyGram, or another service. While initiating a wire transfer is very fast, sometimes it can take a couple of business days for the recipient to see the money, especially with international transfers. There are, of course, also wire transfer fees associated with this payment method.