-
Locate and share your Zelle® QR code
To locate your Zelle® QR code, log in to UBTgo and click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
-
Send money with a Zelle® QR code
To send money, log in to UBTgo, click “Send money with Zelle®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
About Zelle®
Zelle® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don't bank at Union Bank & Trust.*
Free
It’s free to send and receive money with Zelle® from the UBTgo app.
Fast
Money gets sent straight from your account to theirs and is available to spend in minutes.*
Private
All you need is an email address or U.S. mobile number. Your account information and activity stay private.
Use Zelle® safely
Follow these simple tips to ensure your money is sent safely:
- Only use Zelle® to send money to friends, family and other people you trust.
- Make sure your recipient’s name, U.S. mobile phone number and email address are correct before sending money.
- If a payment situation feels off, it probably is. Trust your gut and investigate.
Frequently Asked Questions
View All ›No, Union Bank & Trust does not charge any fees to use Zelle® in UBTgo. Your mobile carrier’s messaging and data rates may apply.
No, Zelle® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our Customer Support team for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call our Customer Support team to determine what options are available.
Please contact our Customer Support team. Qualifying imposter scams may be eligible for reimbursement.
Neither UBT nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.
Keeping your money and information secure is a top priority for Union Bank & Trust. When you use Zelle® within UBTgo, your information is protected with the same technology we use to keep your UBT account safe.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Need Support?
Connect with our people online
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.
* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Copyright © 2025. All rights reserved.
