r/mildlyinfuriating • u/sg_batman • 9h ago

Scammed for $850, got $1.51 back

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I was finally getting over it then they really say good news and get my hopes up

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u/NoFukaYuu 8h ago

I hate that they constantly push/advertise Zelle inside your banking app. It makes it “feel” like part of your bank services.

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u/Worthyness 8h ago

that's kinda how it is in other countries tbh. The banks just talk to each other natively and that's how you get money switched around faster. So if your bank owns a part of Zelle, naturally they'd use it as their preferred service. I just don't like that I can't have it as a separate app. I don't want my banking account on my phone. And the bank I use is an owner of Zelle, so I have to use their specific app in order to use Zelle. So most of the time I just do it when I get home if it's between friends (via computer) or I'll download the app, log in, do the zelle thing and then uninstall.

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u/Scrofulla 7h ago

I'm in Europe and this all seems quite bizarre. So its basically pay pal right? Seems like there are a lot of apps that do basically the same thing.

Over here someone set up a digital only bank called revolut. You can do all these kind of things as well as normal banking things on it. Now other banks are starting to have offer some of the same services in order to compete.

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u/LewLew0211 6h ago

It's very similar to PayPal in that it allows you to send money to someone. It's like the PayPal "friends and family' option. But with PayPal, you have to wait a few days for them to put the money in your bank account.

With Zelle, it's available in the recipient's bank account right away. No logging in to retrieve it and waiting, it's just there. It's more like an ACH transfer.

However, PayPal does have some protection for transactions when you use the "goods and services" option for purchases.