I like Zelle, but this is not comparable to the system I've used in the UK.

- Limits how much you can send

- Identity is based on email or phone number (what?!) that then needs to be managed/tied to the bank account. If you switch banks or whatever, you need to re-active with the new bank.

- For awhile, I could only associated one email with one account in Chase (despite having 4 checking accounts for business, etc.)

- Recipient also needs a Zelle account setup.

UK system is simple: give me your sort code + account #. Done.