Discover Adds P2P Payment Transfers to Mobile App and Online Account Center

Discover Adds P2P Payment Transfers to Mobile App and Online Account Center

October 29, 2019         Written By John H. Oldshue

Discover has added a new peer-to-peer transfer service to both its mobile app and online account center. Now customers with a checking account, savings account or money market account with Discover can send and request money using Zelle.

Zelle’s platform can be used to send money to “almost any bank account in the U.S.” If the sender and recipient both have a Zelle account, the funds are typically available within minutes. Enrollment is free, and can be completed within Discover’s mobile app.

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Discover has no fees for Zelle transfers. Zelle does not charge fees for peer-to-peer transfers, but banks and credit unions have the option to charge their own fees. For transfers completed via text message, standard messaging and data rates apply.

There is no limit for how much money a Discover account holder can receive through Zelle. However, users can only send a total of $600 per day, regardless of the number of transactions. The transfer limit is subject to change, and Discover will notify customers if their limits increase or decrease.

Account numbers are not shared during the transfer process. Instead, money is sent to and from a person’s email address or phone number. Discover emphasizes they “won’t share any bank account information with [the] recipient.”

The information contained within this article was accurate as of October 29, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About John H. Oldshue

John Oldshue is the creator of He worked for over 15 years in television and won an Emmy award for his reporting. He covers credit card rate issues for
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