How to Use Chase QuickPay — and 6 Crucial Things to Know

Chase QuickPay is a fast way to send and get money from friends and family. Should you try it?

Man using Chase QuickPay on his phone
Updated May 13, 2024
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Editor's note: Chase QuickPay is now Zelle, which you can learn more about in our Zelle reviewCurious about how Chase compares to other banking options? Find out in our ranking of the best banks

Quick and contactless payment methods are growing in popularity. Contactless credit cards are pretty much everywhere, but they can't help you in all situations. So how do you pay someone when you can't use your credit card? Or you want to use cash from your bank account?

Whether you’re trying to send money to friends or request cash for work you’ve done, there are some quick and simple ways to handle this problem. You can handle it right from your mobile phone, in fact.

One of the most popular ways to send money to friends is by using financial apps like Venmo or Cash App. But for Chase Bank customers, Chase QuickPay offers a convenient option to transfer money without having to download a separate app.

In this article

What is Chase QuickPay?

Chase QuickPay is a free, secure way to send and receive money through Zelle, a person-to-person payment service available to almost anyone with an account at participating banks and credit unions.

Using Chase QuickPay, Chase customers can send and receive money from friends and family using just the recipient’s mobile number or email address — even if they don’t have a Chase account. The recipient just needs to have a savings account or checking account at a bank participating in the Zelle network.

You’ll need to have a Chase checking account or Chase Liquid card to send money using Chase QuickPay with Zelle. You can access the service through the Chase mobile app,, and in the Chase Pay app.

How to use Chase QuickPay

How to send someone money with Chase Quickpay:

  1. Sign in to your Chase account.
  2. Click on "Pay & Transfer" in the left menu, and then on "QuickPay with Zelle." If you are using the Chase app your menu may look slightly different, but just look for "QuickPay with Zelle."
  3. Choose "Send Money" from your tab or menu options.
  4. Get the phone number or email address of the person you're sending money to.
  5. Choose the amount and date for the payment.
  6. Select if you want this to be a recurring payment.
  7. Submit your request.

To use Chase QuickPay to request money:

  1. Sign in to your Chase account.
  2. Click on "Pay & Transfer" in the left menu, and then on "QuickPay with Zelle." If you are using the Chase app your menu may look slightly different, but just look for "QuickPay with Zelle."
  3. Choose "Request Money" from your tabs or "Request or Split Money" from your app menu options.
  4. Get the phone number or email address of the person you're sending money to.
  5. Choose the amount and date for the payment.
  6. Submit your request.

6 must-know facts about Chase QuickPay

If you’re thinking about using Chase QuickPay, you’ll want to know a few things before you get started.

1. You have to enroll before you start using it

If you want to use Chase QuickPay, you can log into your account through or download the free Chase mobile app. Then simply verify your contact information in the QuickPay section. Once that’s done, you can select the checking account or Chase Liquid card you’d like to use to send and receive payments.

2. You don’t need a special app

To access the QuickPay service, you can use either the Chase mobile app, the Chase Pay app, or As a Chase customer, you likely already have one of these options available on your mobile device — making this a convenient way to request money or send money to friends and family. While there is a Zelle app, you won't need to worry about using it.

3. The recipient doesn’t need to be Chase customer

A major pain point with other money-transfer apps is that both you and your friend often need to have an account with the chosen app. However, this isn’t true of Chase QuickPay. As long as the person you’re sending money to is a member of a Zelle-eligible bank, they can receive your money. Zelle is available through most of the best banks and credit unions. Examples of financial institutions participating in Zelle include Wells Fargo, U.S. Bank, Bank of America, and Capital One.

4. There are limits to how much you can send

Chase QuickPay may be a convenient option to transfer smaller sums. But if you plan on sending large amounts of money, you might be disappointed. Your daily and monthly limitations depend on the type of account you have with Chase.

Here's how much you can send with Chase QuickPay:

  • Personal checking accounts and Chase Liquid cards: Send up to $2,000 in a single transaction, as well as up to $2,000 in a day. Along with that, you’re limited to sending a maximum of $16,000 within a calendar month.
  • Chase Private Client, Private Banking client accounts, and business checking accounts: Send up to $5,000 in a day as well as in a single transaction. In a calendar month, you can send up to $40,000.

There’s no limit to how much you can receive, but the sender may have specific limitations based on the bank they’re using with Zelle.

5. Money can be transferred in minutes

If you want to send money fast, Chase QuickPay allows that. If you and your transfer buddy are both Chase users, the transaction should go through within minutes. If the recipient’s bank doesn’t support real-time payments or isn’t a Zelle member, they should get money within one to two business days. 

However, if your friend is trying to send you money and their bank doesn’t use Zelle, the transfer could take up to five days. Keep in mind that banks may have different processing times, so exact results could vary.

When you send or receive your very first payment with Chase QuickPay, it may also take some additional time since there are added security measures in place for first-time payments.

6. You can easily split charges from your account activity

With Chase QuickPay, you don’t need to worry about saving receipts or tracking expenses. Chase makes it easy to split costs that appear in your transaction history. Go to your account activity, swipe left on the charge until “Split” appears, and select it. From there, you’ll be able to add or choose the desired contacts you’d like to split the charge with.

Alternatives to Chase Quickpay

If you aren’t a Chase customer or are looking for other apps to send money, you’ve got plenty of options, including:

  • Cash App: Once known as Square Cash, Cash App is one of the most popular financial apps in the App Store. It’s free to download, and you can send or receive money through it as long as the other person is also using Cash App. With Cash App, you can even pay a friend with a credit card.
  • Venmo: Venmo works similarly to Cash App but has a public feed for you to share transaction information openly with your friends. Both you and your friend must download the app and create a Venmo account to start transferring cash. Venmo will also allow you to pay someone using a credit card.
  • Apple Pay or Google Pay: Apple Pay allows you to send money right in the Messages app, but you need an iPhone to use it. Google Pay is available to anyone with a Google account, and your recipient doesn’t need the same app.

While most of these apps require a separate registration, their popularity means you or your friends may already have them set up. Even so, it could take longer to receive the money, since you may have to initiate a separate transaction to send the funds to your checking account.

Regardless of which option you choose, make sure to find the one that’s best for you and the people to whom you frequently transfer money.

FAQs about Chase Quickpay

Are Chase QuickPay and Zelle the same thing?

Chase QuickPay and Zelle aren’t technically the same thing. Chase QuickPay is Chase’s name for its easy money-transfer feature, and Zelle is the service that makes it work. Also, Zelle works with most U.S. banks, so it’s not a Chase-exclusive service.

Can you send money to another bank with Chase QuickPay?

Chase QuickPay with Zelle allows you to send money to hundreds of other banks and credit unions, including Bank of America, Wells Fargo, Citibank, Capital One, PNC Bank, TD Bank, and more. Check with your bank to see whether it participates in Zelle’s payment services network.

Is Chase QuickPay safe to use?

Chase QuickPay with Zelle is relatively secure. Your bank account information is never shown to the other person in the transaction, and you won’t be able to see their information either. In fact, no sensitive or personal information is shared when you Chase QuickPay with Zelle. The only information you’ll need to send someone money is their mobile phone number or email address. That’s also the only information someone will need from you if they want to send you money.

Does Chase QuickPay charge a fee?

Chase QuickPay with Zelle is free to use, whether you’re sending or receiving money, so you don’t have fees to worry about. However, you do have limits on how much money you can send per transaction, per day, and per calendar month. The limits depend on which type of Chase bank account you’re using to send money.

The bottom line on Chase QuickPay

If you’re looking for a way to send or receive money quickly, Chase QuickPay is a great option for Chase customers. It can transfer money within minutes right into your best checking account without you having to download additional apps or register for other sites. 

If you prefer to have the ability to pay your friends with a credit card, then a payment service like PayPal might suit you better. And while you could use one of your Chase credit cards to earn rewards points when you pay your friends, you'll need to do the math to make sure this is worthwhile. Services like PayPal, Venmo, and Cash App will charge a fee for sending money with a credit card. You'll need to be sure the rewards you're earning are greater than the fee you're paying.

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Dori Zinn

Dori Zinn is a personal finance journalist with work featured in Huffington Post, Quartz, Wirecutter, Bankrate, Credit Karma, and others. She loves helping people learn to be better with money.