Watch how you can request, send and receive money today. 

 Note: The answers below apply to Morgan Stanley together with Zelle^®

What is Zelle^®?

Morgan Stanley is offering Zelle^® to provide a fast, easy way to send and receive money to and from friends and family, with no additional cost. 

How do I use Zelle® to send, request, and receive money?

You can send, request, or receive money with Zelle®. To get started, log into the Morgan Stanley Mobile App and navigate to the "Pay + Transfer" menu. If you don't see Zelle® available, please contact us at 888-454-3965. 

To send money using Zelle^® simply add a trusted recipient’s email address or U.S. mobile number, or select someone from your mobile device’s contacts. Then add the amount you’d like to send, include an optional note, review, and click or press “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Usually, money is available to your recipient in minutes if they are already enrolled with Zelle^®.¹ If your recipient is not enrolled in Zelle^®, there will be a link in the payment notification they receive, which will allow them to enroll and get their payment. 

To request money using Zelle^®, choose “Request,” select the person you’re requesting money from, enter the amount of your request, include an optional note, review, then click or press “Request”. If the person you are requesting money from is not enrolled with Zelle^®, you must use their email address for the request. If the person has enrolled with their U.S. mobile number, then you can send the request using that number. 

To receive money, just ask the sender to use Zelle^® and share your enrolled email address or U.S. mobile number with them. The money will be sent directly into your Morgan Stanley account, typically within minutes. 

If someone sent you money with Zelle^® but you have not yet enrolled with Zelle^®, follow these steps: 

A.     Click on the link provided in the payment notification you received via email or text message. 

B.     Follow the instructions provided on the page to enroll and get your payment. To ensure you receive your money, note the email address or U.S. mobile number where you received the payment notification and use the same address or number to enroll with Zelle^®. 

Is my information secure?

 Keeping your money and information secure is a top priority for Morgan Stanley. When you use Zelle®, your information is protected with the same technology we use to secure your account at Morgan Stanley. 

Who can I send money to with Zelle®?

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹ Since money is sent directly from your Morgan Stanley account to another person’s bank account typically within minutes¹, Zelle® should only be used to send money to friends, family and others you trust.  If you don’t know the person you are sending money to or are unsure that you will receive what you are paying for (e.g. item purchased at an online bidding or sales site), we recommend that you do not use Zelle^®. 

Please note: Neither Morgan Stanley nor Zelle^® offers a purchase protection program for payments made with Zelle^®—for example, if you did not receive the item you paid for or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

Does Morgan Stanley or Zelle® offer purchase protection?

Neither Morgan Stanley nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

I believe I’ve been a victim of scam. Who should I contact?  

If you notice suspicious or fraudulent activity on your account or feel you have been the victim of a scam, please contact us immediately at 888-454-3965. From outside the U.S., call +1 678-624-6210. Qualifying imposter scams may be eligible for reimbursement. 

Can I reverse or cancel a payment?

No. Zelle® payments cannot be reversed.  You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your Zelle® activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 888-454-3965 for assistance with canceling the pending payment. From outside the U.S., call +1 801-902-6997. 

If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

Are there any fees to send money using Zelle®? 

Morgan Stanley does not charge any fees to use Zelle® in the Morgan Stanley Mobile App. Your mobile carrier’s message and data rates may apply. 

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time. 

How do I use a Zelle® QR code? 

Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number. 

To locate your Zelle® QR code, log on to the Morgan Stanley Mobile App, navigate to "Pay + Transfer" menu and click "Send Money with Zelle®." Next, go to your “Zelle® settings” and click on the Zelle® QR code. Your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email, or print your Zelle® QR code. 

To receive money, share your Zelle® QR code. 

To send money, log on to the Morgan Stanley Mobile App, navigate to "Pay + Transfer" menu and click "Send Money with Zelle®," click “Send”, then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send”, and the money is on the way! 

When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending the money. 

How do I use Zelle^® with a small business account?

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into the Morgan Stanley Mobile App and navigate to the "Pay + Transfer" menu. If you don't see Zelle® available, please contact us at 888-454-3965. 

To enroll, accept the terms and conditions, enter your email address or U.S. mobile number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving money with Zelle®.

To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1

To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

To request money using Zelle® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

How do I know if my small business is eligible to use Zelle^®?

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into the Morgan Stanley Mobile App and navigate to the "Pay + Transfer" menu. If you don't see Zelle® available, please contact us at 888-454-3965. 

Are there any fees to use Zelle^® with a small business account at Morgan Stanley?

No, Morgan Stanley does not charge any fees to use Zelle® with a small business account. Your mobile carrier's messaging and data rates may apply.

Does Morgan Stanley or Zelle^® offer purchase protection?

Neither Morgan Stanley nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Can I reverse or cancel a payment?

No, Zelle^® payments cannot be reversed. You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel.” If you do not see this option available, please contact our customer support team at 888-454-3965 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

If you sent money to the wrong person, please immediately call our customer support team at 888-454-3965 to determine what options are available.

I believe I’ve been a victim of a scam. Who should I contact?

Please contact our customer support team at 888-454-3965. Qualifying imposter scams may be eligible for reimbursement.

Is my information secure?

Keeping your money and information secure is a top priority for Morgan Stanley When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Morgan Stanley account safe.

Can I use Zelle^® internationally?

In order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

How do I use a Zelle^® QR code with a small business account?

Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number. 

To locate your Zelle® QR code, log on to the Morgan Stanley Mobile App, navigate to "Pay + Transfer" menu and click "Send Money with Zelle®." Next, go to your “Zelle® settings” and click on the Zelle® QR code. Your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email, or print your Zelle® QR code. 

To receive money, share your Zelle® QR code. 

To send money, log on to the Morgan Stanley Mobile App, navigate to "Pay + Transfer" menu and click "Send Money with Zelle®," click “Send”, then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send”, and the money is on the way! 

When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending the money.