Can I use Zelle® internationally? To use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S. Related articles How do I enroll in Zelle® at Varo? How do I use Zelle®? Can I use my Varo Visa® Debit Card or Varo Believe Card when I travel internationally? Can I cancel a payment? Why is there a hold on my Zelle® transaction?