but get aba# for designated recipient acct #, and have 'sending' bank send to 'recipient' acct.

Some banks will not process transactions like that. You may have to call and find out about the restrictions.

you will need the recipients Name, address, phone number (userful), their bank routing number and the acct number for the person.

My bank usually does it in about 10 to 15 minutes, but could take overnight.

The charge (at my bank) is a flat fee of $15...

much less expensive than paypal or venmo.

For international transfers I use Wise banking service. they need more information about your bank and the destination bank. And the transfer can take a few days... but is not very expensive.

I need to do this to send flowers for a funeral, so I was just researching this.

Sending domestic personal transactions
Payment method Fee
PayPal balance or a bank account No fee
Cards 2.90% + fixed fee
Amex Send™ Account No fee

???? Is that not the question of the OP?

If you do a standard PayPal transaction to an individual, you can usually send friends and family for no fee. The money is going through a paypal account and not as a direct wire transfer

Paypal-linked checking account to another person and this is the response:

https://www.paypal.com/us/digital-wallet/send-receive-money/send-money

Increase the amount sent to cover it. Since you have done so or received funds in this way, can you answer that or point me in the right direction?

And no, the answer was NOT in their response. It says NOTHING about fees to the recipient.

If it is received as "Friends and Family" No fee. Just be leery of sending this way for people you don't know, as there are no consumer protections.

If it is for exchange for goods or services it is 2.99% fee plus 49 cents.

https://www.paypal.com/us/webapps/mpp/merchant-fees

it's usually a free service and the instructions should be on your bank's website under the Transfer tab.

You do need the cooperation of the receiving party to establish the connection. Zelle isn't a platform for anonymous giving.

but most of the 'apps' (PayPal, Venmo, etc.) require dual accounts (you and the receiving party) and then funds actually go into a 'wallet' of some sort that the beneficiary can then credit to his account. Making it actually a two or 3 step process, involving both you and the guy on the other end. Also many of these also have daily 'limits' you can send to a single holder - much like your ATM will only dole out a certain amount per day.

So - I would strongly suggest that if you're thinking about dropping more than just maybe a couple hundred, and you're really wanting it to go into that persons checking or savings (rather than some funky 'app' that they may not know that much about) - then I think you should stick with an actual bank to bank 'wire transfer'. Now they're going to charge you a modest amount for this (~ $20 is kind of standard?) - but it's going to go immediately into that other person's actual account - and should be available for withdrawal (or other access) on the same or following day. Be prepared to give the teller at your bank, the acct. number, the bank routing number, and the full name that is attached to the account you are making a transfer to. (all that is right there on the front of their check, or deposit slip)

Good luck to ya'!

And a gazillion different things to be careful of ... e.g. are you being scammed? Think very carefully before sending anyone money. What level of proof do you need if the other person claims not to have received the money? What level of "undo" do you need if the transaction is a fraud? Is the other person's bank in another country? Will your transfer be big enough (or often enough) to gain the attention of people looking to stop money laundering?

And then there are the more boring questions .. is this a one-time transfer or routine? Will it be subject to taxes? (gift taxes ...)

Electronic transfers can be amazing, but they are also a minefield of dangers and problems as well.

Asking a forum like this would imply you're not very experienced at it, nor with the dangers. Be careful!

Within a bank or credit union app, there shouldn't be a security issue. I would not trust a stand-alone app.

I log into my account, select Pay a Person instead of Pay a Bill. I give phone or email of the person I'm sending to and enter a security question and answer (like what was the color of your first car) and the person gets a notice, answers the question, follows instructions, and gets the money in their account. The first time with a new recipient can take a day or so, repeat payments to the same person are faster.

Four years is nothing on DU!

Zelle has been hacked from time to time, and has limits.
PayPal was founded, IIRC, by Peter Thiel and Elon Musk.

Your bank or credit union cares more about good service than politics.

my bank to Vanguard MM and also to US government bonds by direct wire transfer an was not charged.