Banking / Money
How to Send Money & Pay People in Mexico
Need to pay the pool guy, gardener, cleaner, or contractor? Or just move money into your Mexican bank? Let's get those pesos where they need to go without sending them on a sightseeing tour.
Find It: What Are You Trying to Do?
Sooner or later most of us need one of three things in Mexico: to pay someone who works for us — the pool guy, the gardener, the cleaner — to send money to another person, or to move funds into our own Mexican bank account. Below, you can see how many stops your pesos make along the way, then pick the option that fits.
Understand It: How Many Stops Do Your Pesos Make?
Add the stops your money would pass through on its way to the pool guy. It is an illustration of how money travels — not payment instructions, and not a comparison of prices or speed.
1
Stops
0
Bank transfers
0
Currency conversions
- 1U.S. bankWhere your dollars start.
Add a stop
Do It: Pick a Transfer Option
Remitly
A direct transfer from a U.S. or Canadian debit card or bank into a supported Mexican bank account, or cash pickup at a partner location. The first option to check for a one-step transfer, but not always the fastest or the cheapest, and not permitted for every contractor or business payment. If that applies to you, check Remitly Business or send from your own bank.
Open RemitlyWise
Worth it if you already hold a balance in Wise, or want the mid-market rate with a plainly listed fee. It sends to supported Mexican bank accounts only — not every bank qualifies — and it does not offer cash pickup.
Open WiseXoom
Built for personal transfers to family and friends, with cash pickup at partner locations around Mexico if the recipient does not use a bank account. Personal remittance rules apply, so check before using it for a business payment.
Open XoomMexican bank transfer (SPEI)
Already holding pesos in a Mexican account? SPEI is Mexico's domestic bank transfer system: pesos move between Mexican banks in minutes, usually free or for a few pesos. You need the recipient's 18-digit CLABE, and it is the cheapest route whenever the money is already in Mexico.
Done: Payment Checklist
Tick each one off as you go.
Spanish You May Need
Tap copy and paste the phrase straight into WhatsApp.
¿Aceptas transferencia?
Do you accept bank transfer?
¿Me pasas tu CLABE?
Can you send me your CLABE?
¿Cuánto te debo?
How much do I owe you?
¿Me puedes dar un recibo?
Can you give me a receipt?
Tulum Sorted Tip
If you're transferring money into your Mexican bank just to immediately send it to someone else, check whether you can pay them directly instead. Your pesos don't need a guided tour of every account you own.