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Ensure you’re never caught without a way to pay by finding out which apps everyone’s turning to now.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. If you’ve relied on the standalone Zelle app to send or receive money, you might be in for a surprise—it’s officially been discontinued. While some users can still access Zelle through their bank’s app…