Your choice may depend on the financial platform you use... & it may not.
I am with Randolph Brooks Federal Credit Union (RBFCU) & @ one time, could use either Venmo -or- Zelle... then something went wonky w/ Zelle & now it's Venmo only.
I get a maximum $ 500.⁰⁰ to send / spend due to RBFCU. I have RECEIVED $ +7,500⁰⁰ on Venmo however when bothered functional, I could send $ 350⁰⁰ on any day & until Sunday @ 0000 hrs rolled around, I only had $ 150⁰⁰ left to send.
Send $ 200⁰⁰ on Wednesday? Only $ 300⁰⁰ available until Sunday for the reset.
For me, Zelle was much preferred because it is / was 100% free & instant. Receiving meant if someone sent me anything, it was IN MY ACCOUNT.
Venmo takes a % for an instant transfer. Can you wait 2~3 days? Ø fee for that
Also, with Venmo you Have to physically go into their application or website & initiate the transaction. ¿Busy / distracted? Don't forget to activate thr transfer or the $$ sits there waiting for your actions.
Zelle? ★bang★ in your account. Again, $ 500 OUTBOUND per week is a built in headache with RBFCU.
YMMV.