NEW YORK — In 2025, American consumers and small businesses sent more than $1.2 trillion using Zelle, marking the second consecutive trillion-dollar year and delivering 20% year-over-year growth in total dollars sent, Zelle reported.
That growth occurred at a nearly six-times-faster clip than U.S. consumer spending (3.5%) and business investment (3.2%) in the third quarter of 2025, underscoring the vital role the Zelle plays as a foundational financial tool in the U.S. economy, the company said.
Based on publicly reported metrics, Zelle also continued to outpace peers for the second year. In 2025 Zelle did:
- $1.2+ trillion in payments, up 20% year over year
- 4.2 billion total transactions, a 16% increase
- An average of $3.4 billion moved every day
- A record 100 million bank and credit union accounts sent money in December using Zelle – the highest monthly usage to date.
In August 2025, Zelle also shattered its own record, moving more than $9 billion in a single day – a 12% increase over its previous high, the company said.
“Leadership isn’t about buzzwords or flashy launches – it’s about reliability and results,” said Denise Leonhard, general manager of Zelle. “Zelle is powering America’s consumers and small businesses, enabling reliable, large-dollar money movement for essential living expenses in an evolving American economy.”
Small Businesses: Less Flash, More Flow
In 2025, small businesses depended on Zelle, with nearly 30% of all dollars flowing to or from small businesses:
- 647.6 million small-business transactions, up 23.5%
- 7.7 million enrolled small businesses, up 15%
- $357 billion in small-business payments, up 26%
While rent, childcare and sharing utility bills remain among the most common uses of Zelle, the most active users are also relying on it to manage other shared costs, Zelle said.
"Self-reported memo fields from the most active users in Q4 in 2025 reinforce that Zelle is baked into everyday U.S. culture, especially for splitting and reimbursing shared expenses tied to real-world experiences," Zellle said.