Santander

Does Santander have Zelle? Yes: you find it in the Santander Mobile Banking App under Send Money with Zelle. Santander Bank, N.A. charges $25 for a domestic outgoing wire ($15 on Select accounts), $40 for an international outgoing wire in U.S. dollars and $13 for an incoming wire.

At a glance

• ZelleYes, in the Santander Mobile Banking App
• Domestic wire out$25 ($15 for Select Checking and Select Money Market Savings)
• Incoming wire$13 (no fee for Select accounts)
• International wire out$40, in U.S. dollars

Sources: Personal Deposit Account Fee Schedule · Santander Zelle page · Checked on September 27, 2026

Zelle at Santander

Santander’s Zelle page says to find Zelle in the Santander Mobile Banking App: log in and select Send Money with Zelle. The app shows the limit on your account.

Source: Santander Zelle page (undated) · Checked on September 27, 2026

Wire transfers at Santander

The incoming wire fee is waived for Santander Select Checking and Select Money Market Savings, and for Simply Right Checking when any owner is under 26. The fee schedule lists one incoming wire fee without separating domestic and international wires. Incoming wires are available the same business day Santander receives them.

Source: Personal Deposit Account Fee Schedule, September 2025 (form 1143201 09/2025) · Checked on September 28, 2026 · Funds availability (undated) · Checked on September 27, 2026

External transfers (ACH)

Transfers to accounts outside Santander have a standard limit of $5,000 per business day and $20,000 per calendar month, with a cutoff of 12:30 PM ET on business days; they are usually processed within 2 business days and credited in 1 to 2 business days. Transfers in from your own external accounts are processed within 3 business days, with a 1:00 AM ET cutoff. Transfers to another Santander customer have the same $5,000 and $20,000 limits and post the same business day when scheduled before 10:00 PM ET. The general Funds Availability page shows an 8:00 PM cutoff for transfers to an account outside the bank; the Digital Banking Agreement, which governs these transfers, sets 12:30 PM ET.

Source: Digital Banking Agreement, June 2026 · Checked on September 27, 2026

If a transfer is late or went wrong

A pending Zelle payment is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, see wire transfer not received and how long do wire transfers take; for bank-to-bank transfers, ACH transfer pending. Contact Santander 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.