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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.
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.