| Feature | Oriental Bank Zelle | Popular Alternatives (Venmo/PayPal) | | :--- | :--- | :--- | | | Minutes (instant) | 1-3 business days (free) or instant for a fee | | Fees | $0 | 1.5%-3% for instant transfers | | Requires Separate App | No (built into Oriental) | Yes | | Purchase Protection | No (friends/family only) | Limited (for goods and services) | | Availability in PR | Full native support | Available, but requires U.S. bank linking |
Before you can send or receive money, you must activate Zelle within your Oriental Bank profile. The process takes less than three minutes.