In this tutorial discover the last method of carding zelle 2022 . Follow the steps below for a successful carding.

Why Zelle Carding is easy

Some carders would have been aware of the latest Zelle carding method, but I will explain how this carding method works and list the requirements.

Latest Zelle carding method 2022 zelle Latest Zelle carding method 2022 Zelle carding 1024x576

Unfortunately, Zelle is one of the carding methods that works in the US only because Zelle doesn’t operate internationally. Either way, a VPN can bypass the restriction and you can get a bank deposit or create a US bank account for carding. Shipping is not required, so there is no need to have a picker who charges 10% of the value.

The carding Zelle is similar to methods such as carding  Cash App, the  carding Venmo  and  PayPal carding .  The reason is that, like the aforementioned apps, Zelle is a mobile wallet. This requires a different approach like Airbnb carding, the carding Amazon  , etc .

Without getting bored, let’s jump right into Zelle’s story and then the steps to successfully card

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History of Zelle carding

Zelle was founded in 2017 to facilitate the transfer of mobile money in the United States. The United States has a lot of mobile wallets, and Zelle is just one of them that can work from a banking app, including Venmo, PayPal, etc. is integrated with the banking application used by some US residents. It makes transactions easier and carding becomes even easier, especially with US bank journals.

The reason Zelle is unique among other mobile wallets is that it is owned by Early Warning Services operated by merchants such as US Bank, Capital One, BB&T, JPMorgan Chase, Bank of America, PNC Bank, and Wells Fargo. Carders believe Zelle is better than Cash App, PayPal, Venmo, and several other mobile wallets because it can be integrated into a banking app. So when bank journals are used to access an account from a banking app, it becomes easier to card.

Zelle is not a hard to card fundraising app. If you have a US bank account, you can use it to practice transferring your funds legally before getting the bank journals.

Zelle carding requirements

To card Zelle, these are the requirements:

Bank journals carding does not work in CC in this tutorial. Get bank journals and check bank journals by logging into the account once.

Depending on the provider of the bank newspaper, you can buy it for around $ 50.

Make sure to confirm this before making any payments. Of course, it is the receiver’s job to ignore the transaction, and the receiver can charge 5-10% of the transaction.

Note that bank journals are different from CC. Bank journal information will include bank username, login password and email address. CC only concerns credit cards.

Available:  here

Banking app

The next step is to get the banking application from the bank journals. Suppose you buy newspapers from JP Morgan Chase Bank, you need their banking app.

It is in the banking application that Zelle is integrated for carding.

Some people already link their bank to Zelle, so you don’t have to link Zelle if you find it in the bank’s app.

Bank deposit

A bank deposit is an account into which you transfer funds. You cannot transfer funds to your bank account to avoid chargebacks and freezing of your bank account.

You can create a bank deposit, but it will be a US bank deposit in this case. You cannot move funds from Zelle to a deposit bank created in another country because Zelle does not work internationally, unlike PayPal, Payoneer, etc.


OPSEC stands for Safe Operations and in carding it involves the steps you take to avoid getting caught. It includes carding VPN , CCleaner, and a private browser.

The use of a bank deposit is classified in OPSEC because it keeps your identity anonymous.

Typically, carders use paid VPNs. Some also use the free versions, but free VPNs limit your IP address, and it may have been blacklisted by or the bank.

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Latest Zelle carding method

Carding Zelle is effortless. In this section, we find out how to card Zelle and perform a quick withdrawal.

Check out the Zelle carding method below:

  • Prepare the requirements
  • Get bank logs
  • Install the Bank app
  • Link the account
  • Move funds
  • Cashout

Prepare the requirements

The requirements include everything I mentioned in the requirements section – VPN carding, banking app, bank logs, bank deposit, etc.

Make sure every requirement is active because when you start the Zelle carding method you need to complete everything before the owner is notified.

The best time for the card is late at night when the owner can sleep. So you can check the time in the United States, if you are not located in the United States, to know when to start carding.

Get bank logs

I use Chase for transactions involving the bank in the United States. It is better for me for some reasons to pay bills and others.

To card Zelle, carders recommend Chase Bank and Wells Fargo because they don’t ask for SMS verification when transferring funds.

Additionally, you can avoid email verification by purchasing bank logs with cookies.

Install the Bank app

Depending on the bank journals you have, get the appropriate bank. For example, if you have Wells Fargo Bank newspapers, you need the Chase QuickPay (Chase Mobile). If you use Wells Fargo Bank Newspapers, download the Wells Fargo Zelle app.

Then log in with bank journals to check the account balance.

If the balance is positive, everything is settled. The next step is to confirm if is logged into the account.

If you are using the Chase Bank app, open the app and click Pay & Transfer »Chase QuickPay® with Zelle.

Link the account

The reason for this step is if the account owner has not logged in Zelle before. Since Zelle was not logged in, create a account. Make sure to use the bank account details to open the Zelle account. If your bank logs arrived with cookies, the system will not send a verification code.

To create a account, go to, click on the option to open a new account and provide details similar to the bank account. Your fake email address should also be similar.


Move funds

Activate the Zelle account. Log in through the banking app and click Submit to transfer funds to another Zelle account.

Transfer the funds to another Zelle account. Follow the onscreen options to set your amount and send the money to the second Zelle account you created.


You can either transfer the funds from Zelle to Zelle or directly deposit a bank, but in the United States.

Most carders prefer to move from Zelle to Zelle before moving it to a bank as the transfer from Zelle is instant. You will be charged, however.

Best bank journals for Zelle

Some banks in the United States are better at carding Zelle. Here are the banks with the best bank logs:

  • Wells Fargo
  • PNC Bank
  • JPMorgan Chase
  • Capital One
  • The Bank of America
  • BB&T
  • Bank S.

Final thoughts

Everything related to Zelle needs to be done faster as Zelle is tricky as it is limited directly to the bank account.