PNC Bank

Does PNC Bank have Zelle? Yes: PNC offers Zelle in the PNC Mobile app under Pay & Transfer and does not currently charge a fee to send or receive. PNC’s Zelle send limits appear in the app. A domestic wire costs $25 online or $30 with an agent, an incoming wire $15, and self-service wires are processed until 6:00 PM ET on business days.

At a glance

• ZelleYes, in the PNC Mobile app, no fee
• Zelle limitsShown in the app; no limit on receiving
• Domestic wire out$25 online or mobile, $30 with an agent
• Incoming wire$15, domestic or international
• International wire out$40 online in USD, $5 online in foreign currency, $50 with an agent
• Wire cutoff6:00 PM ET, online and mobile

Sources: Online and mobile customer service · Consumer Schedule of Service Charges and Fees · Self-Service Wire and Money Transfer Agreement · Checked on September 27, 2026

Zelle at PNC Bank

In the PNC Mobile app, select Pay & Transfer from the bottom navigation menu, then Send Money with Zelle. PNC states: “PNC doesn’t currently charge a fee to send or receive money with Zelle.”

To see your Zelle limits, select the Zelle Limits link when you enter the amount to send or request; PNC’s Zelle Terms of Use say the limits “are disclosed in the Zelle user experience in your PNC Mobile app.” PNC states: “There are no limits for receiving money with Zelle.”

Source: Online and mobile customer service · Checked on September 27, 2026

Wire transfers at PNC Bank

Self-service wires are processed on business days from 8:30 AM to 6:00 PM ET. You can send them from any personal PNC checking or savings account in Online Banking under Pay and Transfer, then Wires and International Transfers.

Performance Select Checking pays no charge for domestic incoming, agent-assisted outgoing and self-service outgoing wires. On Virtual Wallet Student, one incoming wire (domestic or international) per statement period is free on the Spend account. An older Virtual Wallet PDF lists $45 for an agent-assisted international wire; that is an earlier figure, replaced by $50 in the current schedule.

PNC also runs International Money Transfer to Latin America: $5 digital or $10 at a branch, with a digital limit of $1,500 per day ($10,000 to BBVA Mexico) and $3,000 per month; PNC expects delivery within one business day.

Source: Consumer Schedule of Service Charges and Fees, effective February 22, 2026 · Self-Service Wire and Money Transfer Agreement, June 3, 2025 · Checked on September 27, 2026

External transfers (ACH)

External transfers move money between PNC and your accounts at other U.S. institutions. PNC’s Digital Services Agreement says “You may not make transfers in excess of limits displayed within the Service”. “The cutoff time to make transfers on a given day is 1 a.m. ET on the next Business Day.” PNC’s transfers page says “you can move money in as few as 3 business days.”

Source: Digital Services Agreement, July 25, 2025 · Checked on September 27, 2026

If a transfer is late or went wrong

For a wire that has not arrived, start with wire transfer not received and how long do wire transfers take. For Zelle, see Zelle payment pending or, after a scam, Zelle scam refund. An external transfer can take 3 business days or more; see ACH transfer pending. Contact PNC through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.