Twitter Reacts: Zelle Trends On Twitter After Viral “Culture Shock” TikTok Reveals “Banking Differences” Outside the U.S.

A viral Tiktok about “culture shocks” set Twitter ablaze this morning. In the circulating clip, the TikToker goes into detail about different culture shocks she experienced after moving from the U.S. to Australia. One of these ‘shocks’ was that people outside of America were accustomed to instantly transferring funds bank-to-bank, without the use of third-party apps like Venmo, CashApp or Zelle.

Many Twitter users outside of the U.S. chimed in with confusion and a few jokes questioning America’s banking systems. Americans defended themselves by sharing that many banks offer Zelle as a way to quickly send money directly from your bank account.

Check out some of the reactions below:

https://twitter.com/jamishelves/status/1389936307434975238

https://twitter.com/jamishelves/status/1389922885955821582?s=20

Zelle does this and it's built into a lot of bank apps??? https://t.co/Q9T2BlYGly

— Say (@SayJ96) May 6, 2021

https://twitter.com/Emmanuelhtx/status/1390353384092352514

Omg America is really the ghetto😭 I just found out they all have those apps like CashApp, Venmo & Zelle because they can’t do bank transfers out there🤣🤣🤣

— Oricene (@Oricene1) May 6, 2021

We have Zelle but more importantly, y’all have our dicks in your mouths too much. https://t.co/nPlD8MJZhz

— carson. (@playboixcarson) May 5, 2021

https://twitter.com/LucasLucas2002/status/1390289180681461765?s=20

https://twitter.com/Emmanuelhtx/status/1390087815854186500?s=20

https://twitter.com/wateringaplant/status/1390220809227100160?s=20

Zelle is NOT a third party app. It is a digital payments network owned by US banks. You can do bank transfers directly from you bank’s app thru Zelle with the receiver’s phone number or email.

— Charms (@sunflowersarles) May 6, 2021

Bank transfers only happen overnight or 3-days at weekends to actually clear. In the rest of the developed world, it's effectively instant

— Mark Cathcart (@cathcam) May 5, 2021