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Banco de México · Launched 2004
Mexico's central-bank instant interbank transfer system, free or near-free and the backbone of Mexican digital payments.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Market estimate for PSP-side SPEI collection fee.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a MX$100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Mexico | MX$4.00 | MX$4.00 | 4% | 26 Dec 2024 | Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
In Mexico, on the online channel: MX$4.00, in force since 26 Dec 2024 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 1 market here: Mexico. A market missing from the list has not been recorded yet, which does not mean SPEI is unavailable there.
It is recorded as instant. Actual timing can depend on cut-off times and on the receiving account.
Not through a chargeback: it has no chargeback process, so a payment is hard to reverse once sent. Check who you are paying before you confirm.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
