If your bank or credit union does not offer zelle, then you must have a smartphone in order to access the zelle app to send and receive money. Click to see full answer. Kimmidoll Poupee Japonaise Poupees Kokeshi Cartes Retro You can only send or receive money in us dollars, too, so if you deal in another currency for your business, it won’t be the best option for you. Can i use zelle overseas . As previously stated, zelle can currently only be used to make domestic transfers to contacts in the united states. Virgin islands, puerto rico, american samoa, guam and and northern mariana islands). However, you can visit a local u.s. Unfortunately, you can’t sign up for an account in zelle yet, unless you have a bank account in the us. Zelle is not international, and the app is only available to us residents. It is also unavailable in u.s. Thus, you cannot use it to send money internationally. Zelle is a slick solution for users based in the us who are making payments wi...