To send money to Mexico with MAJORITY, open the app or WhatsApp, pick Mexico, choose bank transfer, mobile wallet, or cash pickup, then confirm in pesos.
Quick answer
The full process is short: open an account with a government-issued ID (no SSN required), open the app or start a transfer through WhatsApp, choose Mexico as the destination, pick how your recipient should receive the money (a bank deposit using their 18-digit CLABE, a Mercado Pago mobile wallet send, or a cash pickup at OXXO and similar retailers), enter the USD amount, review the live USD-to-MXN rate and the Mexican peso total the recipient will receive, then confirm. Most Mexico transfers land within minutes; bank transfers can take up to 5 business days depending on the receiving bank.
What you need to know
- You do not need an SSN to open a MAJORITY account. A valid government-issued photo ID is enough, including a US or Mexican passport, a US or Mexican driver's license, an INE card, a SENTRI card, or a matrícula consular.
- Transfers can be started from the app or from WhatsApp. Both channels send to the same Mexico delivery delivery methods.
- Mexico supports three main delivery methods: bank transfer to a Mexican bank account, mobile wallet send to Mercado Pago, and cash pickup at retailers such as OXXO, Elektra, Coppel, Walmart, Bodega Aurrerá, Soriana, 7-Eleven, and Telecomm Telégrafos.
- A Mexican bank transfer uses the recipient's 18-digit CLABE (Clave Bancaria Estandarizada), which uniquely identifies their account at a Mexican bank.
- The exchange rate and the exact Mexican peso (MXN) amount the recipient will receive appear in the app before you confirm the transfer.
- The membership is $5.99 per month and includes transfers to Mexico at $0 per transfer, regardless of delivery method.
Step 1: Open a MAJORITY account with a government-issued ID
You can open an account without an SSN. The Mexican-applicant ID list per the help center includes:
| ID type | Issued by |
|---|---|
| US passport or US driver's license | United States federal or state government |
| Mexican passport | Government of Mexico |
| Mexican driver's license | A Mexican state government |
| INE (Instituto Nacional Electoral) card | Government of Mexico |
| SENTRI card | US Customs and Border Protection |
| Matrícula consular | A Mexican consulate in the United States |
Download the app from the App Store or Google Play, scan your ID, enter your address and phone number, and wait for approval. Once your account is opened, you can send money to Mexico from the same app.
Step 2: Open the app or start a transfer through WhatsApp
There are two ways to start a Mexico transfer. Both end at the same delivery options and the same exchange rate.
- In the app. Open the app and tap Send money. The transfer flow walks you through choosing the destination country, the delivery method, and the recipient.
- Through WhatsApp. WhatsApp is supported as a sending channel for members. The conversational flow asks for the same details (destination, delivery method, recipient, amount) and uses the same Mexico delivery methods.
If a recipient already has your transfer details saved, repeat sends are a few taps.
Step 3: Pick Mexico and choose a delivery method
Select Mexico as the destination country. You then choose how your recipient will receive the money. The three main options for Mexico are bank transfer, mobile wallet, and cash pickup. Each one needs slightly different information from your recipient.
| Delivery method | What your recipient gives you | Typical speed |
|---|---|---|
| Bank transfer | Full name on the account, bank name, 18-digit CLABE | 30 minutes to 5 business days; most transfers land within minutes |
| Mobile wallet (Mercado Pago) | Full name and Mercado Pago account details | Minutes to hours |
| Cash pickup | Full name as it appears on a government-issued ID and the partner network they will use | Same day at participating locations |
Bank transfer is usually the right choice if your recipient holds a Mexican bank account, mobile wallet is convenient if your recipient already uses Mercado Pago, and cash pickup works if your recipient does not have a bank account and lives near a partner location.
Step 4: Choose the right bank, wallet, or pickup network
Bank transfer to a Mexican bank
Bank transfers to Mexico settle through SPEI, the Banco de México interbank settlement system. Supported Mexican banks include BBVA Bancomer, Banamex, Banorte, Santander, HSBC, Banco Azteca, Scotiabank, Inbursa, Banregio, Compartamos, Nu México, Hey Banco, and others. The full current list appears in the app when you add the recipient. The single required detail is the recipient's 18-digit CLABE — a 10- or 11-digit account number alone is not enough for an interbank deposit.
Mobile wallet send to Mercado Pago
Mercado Pago is the supported Mexico mobile wallet. Your recipient needs an active Mercado Pago account in their name, and the send arrives in their wallet balance in pesos.
Cash pickup at a retailer network
Supported cash pickup partners include OXXO, Elektra, Coppel, Walmart, Bodega Aurrerá, Soriana, 7-Eleven, Farmacias del Ahorro, Farmacias Guadalajara, and Telecomm Telégrafos. The recipient picks up the money in pesos by presenting a government-issued ID and the pickup reference shown in the app.
Step 5: Enter the amount, review the rate, and send
The final stretch happens on one screen.
- Enter the USD amount you want to send.
- Check the exchange rate. The app shows the live USD-to-MXN rate at the moment you are sending, along with the exact peso total the recipient will receive.
- Check the estimated delivery time the app shows for the specific method, bank, and time of day.
- Review the recipient details on the summary screen one last time. A name mismatch, an invalid CLABE, or the wrong pickup network is the most common cause of a held or returned transfer.
- Authenticate with your PIN or biometrics and confirm the transfer.
- Track the transfer on the activity screen. A notification arrives when the funds are released and another when they reach the recipient.
If the summary does not look right, tap back and fix the detail. A returned transfer because of an incorrect CLABE or name can take several business days to resolve.
What it costs to send money to Mexico
There are two cost components: the membership and the exchange rate.
- The membership is $5.99 per month. It includes international transfers in supported countries, including Mexico, at $0 per transfer, regardless of delivery method.
- The exchange rate is the one shown in the app at the moment you confirm the transfer. The rate and the resulting Mexican peso (MXN) total appear before you tap send, so you can decide based on the actual number your recipient will receive.
The Mexican receiving bank typically does not deduct a fee on local-currency (MXN) deposits, though policies vary by institution. Cash pickup at partner retailers is included in the same $0 per-transfer treatment.
What to do next
- Make sure you have a valid government-issued ID ready (US or Mexican passport, US or Mexican driver's license, INE card, SENTRI card, or matrícula consular) and open the app to sign up.
- Ask your recipient how they want to receive the money: a Mexican bank account (gather the 18-digit CLABE), Mercado Pago (gather their wallet details), or cash pickup (confirm which retailer they will use).
- Open the app or start the transfer through WhatsApp, pick Mexico, choose the delivery method, and enter the recipient.
- Enter the USD amount, review the rate and peso total, confirm, and track the transfer in the activity screen.
How MAJORITY can help
MAJORITY is a financial membership for migrants in the US that supports money transfers to more than 30 countries, including Mexico. Mexico transfers are available through bank deposit to most major Mexican banks, mobile wallet sends to Mercado Pago, and cash pickup at thousands of partner locations, with the live exchange rate and estimated delivery time shown in the app before each transfer is confirmed.
Frequently asked questions
How do I send money to Mexico with MAJORITY?
Open the app or WhatsApp, choose Mexico as the destination, pick bank transfer (with the recipient's 18-digit CLABE), mobile wallet (Mercado Pago), or cash pickup (at OXXO, Elektra, Coppel, or another partner retailer), enter the USD amount, review the live exchange rate and the Mexican peso total, then confirm.
Can I send money to Mexico from the US without an SSN?
Yes. Opening a MAJORITY account does not require an SSN. A valid government-issued photo ID is enough, including a Mexican passport, a Mexican driver's license, an INE card, a SENTRI card, or a matrícula consular. Once the account is open, you can send to Mexico through the same app.
Can I send money to Mexico via WhatsApp?
Yes. Transfers to Mexico can be started either inside the MAJORITY app or from WhatsApp. Both channels use the same exchange rate, the same delivery options (bank transfer, Mercado Pago mobile wallet, or cash pickup), and the same supported partner networks.
What is a CLABE and where do I find it?
A CLABE (Clave Bancaria Estandarizada) is the 18-digit interbank account identifier used in Mexico. Your recipient can find their CLABE in their bank's mobile app, on a recent bank statement, or by asking a teller at their branch. The CLABE points to a specific account at a specific Mexican bank and is the single required detail for a bank transfer.
Which Mexican banks can I send a bank transfer to?
Supported banks include BBVA Bancomer, Banamex, Banorte, Santander, HSBC, Banco Azteca, Scotiabank, Inbursa, Banregio, Compartamos, Nu México, and Hey Banco, with the full current list shown in the app when you add the recipient.
How long does a money transfer to Mexico take?
It depends on the delivery method. Bank transfers to a Mexican bank typically take 30 minutes to 5 business days; most Mexico bank transfers complete within minutes because SPEI runs 24/7. Cash pickup at a partner network is usually available the same day. Mobile wallet sends to Mercado Pago typically arrive within minutes to hours.
How much does it cost to send money to Mexico?
The membership is $5.99 per month and includes Mexico transfers at $0 per transfer, regardless of delivery method. The other cost is the exchange rate at the moment you confirm the transfer; the rate and the exact peso total are shown in the app before you send.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.