SPEI CalculatorCompare Bank Transfer Costs
Calculate and compare SPEI transfer costs between all Mexican banks. Find the cheapest and fastest option for your money transfers.
SPEI Cost Calculator
Compare SPEI transfer costs between Mexican banks. Calculate fees and delivery times.
What is SPEI?
Interbank Electronic Payment System
SPEI is the Banco de México electronic transfer system that allows sending money between different banks instantly, 24 hours a day.
Main Features
- Instant Transfers: Money arrives in seconds
- 24/7 Availability: Works all day, every day
- Low Costs: Most banks offer free transfers
- Daily Limits: Generally up to $500,000 per operation
- Security: Operation backed by Banco de México
How does SPEI work?
- The sender initiates the transfer from their bank
- The system verifies the recipient's CLABE
- The operation is registered in the SPEI system
- Money is transferred instantly between accounts
- Both parties receive confirmation of the operation
SPEI Costs
Most banks do not charge for SPEI transfers between accounts of the same system. Some banks may have fees for transfers to other institutions or for high-amount operations.
💡 Tip:
Use our calculator to compare costs between different banks and find the most economical option for your transfers.
Requirements for SPEI Transfers
- Have a bank account in Mexico
- Have the recipient's CLABE (Standardized Bank Key)
- Have sufficient funds in the origin account
- Do not exceed daily transfer limits
- The destination account must be active
Why use our SPEI Calculator?
The most complete tool to make informed decisions about your bank transfers
Save Money
Compare costs between all banks and always choose the cheapest option for your transfers.
Fast Transfers
Know delivery times and service hours to plan your transfers strategically.
100% Reliable
Information updated directly from Mexican banks and backed by Banco de México.
SPEI Information
What is SPEI?
The Interbank Electronic Payment System (SPEI) is the Banco de México platform that allows electronic transfers between different banking institutions instantly. SPEI transfers are processed 24 hours a day, 365 days a year.
SPEI System Advantages
- Instant: Transfers arrive in seconds
- Available 24/7: No matter the time or day, it always works
- Secure: Operation backed by Banco de México
- Economical: Many banks offer free transfers
- Universal: Connects all banks in the Mexican financial system
How do SPEI transfers work?
- The user requests the transfer from their banking app
- Enters the recipient's 18-digit CLABE
- The system validates that the CLABE is correct
- The transfer is processed through SPEI
- The money is credited to the destination account in seconds
- Both parties receive notification of the operation
Requirements for SPEI Transfers
For the Sender:
- Have a bank account in Mexico
- Have available balance
- Do not exceed daily limits
- Have active electronic banking service
For the Receiver:
- Have a bank account in Mexico
- Know their 18-digit CLABE
- Account must be active
- Belong to the SPEI system
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Validate CardFrequently Asked Questions about SPEI
Solve your doubts about the interbank electronic payment system
Does SPEI work every day?
Yes, SPEI works 24 hours a day, 365 days a year, including weekends and holidays. However, some banks may have limited customer service hours.
What is the daily limit for SPEI transfers?
The standard daily limit is $500,000 MXN per operation, but it may vary by bank and account type. Some banks offer higher limits for business accounts or premium clients.
How much does a SPEI transfer cost?
Most banks offer free SPEI transfers between accounts of the same system. Costs may vary if you transfer from low-balance accounts or to banks outside SPEI.
What happens if I enter the wrong CLABE?
If the CLABE is incorrect or does not exist, the transfer will be rejected and the money will return to your account automatically. That is why it is important to validate the CLABE before making transfers.
How long does a SPEI transfer take?
SPEI transfers are instant and usually arrive in less than 10 seconds. In rare cases, it may take up to a few minutes due to system loads.
Need to validate your bank details?
Use our free validators to ensure your data is correct