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Instant as in maybe 5 minutes if it is slow.Instant as in sometimes around three business days, though some transfers go through within a day. Several clients pay me using Zelle. Your milage will vary.
Your experience is different than mine. While true that recipients tend to receive notification from their bank within, say, 5 minutes that a transaction has been instigated, additioal time is required for funds to deposit. And that additional time is the variable. (( LIke you, I use this all the time, as do my clients. )) It was that funding time I was addressing, not the notification.Instant as in maybe 5 minutes if it is slow. If it took you that long, it is because the other person never used Zelle and ddint click the link until after a while. I have transferred over $30K using Zelle over the past 2 years.