Institution Codes

This reference provides the codes for major Mexican financial institutions used in SPEI transactions and withdrawals.

Institution Codes

The following are the major Mexican financial institutions and their corresponding codes for SPEI transactions:

Code	Bank Name	CLABE Prefix	Type
40012	BBVA México	012	Commercial Bank
40014	Santander	014	Commercial Bank
40021	HSBC	021	Commercial Bank
40072	Banorte	072	Commercial Bank
40646	STP	646	Payment Institution
40137	Banregio	137	Commercial Bank
40058	Banco Azteca	058	Commercial Bank
40030	Bajío	030	Commercial Bank
40036	Inbursa	036	Commercial Bank
40042	Mifel	042	Commercial Bank
40060	Bansi	060	Commercial Bank
40102	The Royal Bank	102	Foreign Bank
40103	American Express	103	Credit Card Company
40106	Bank of America	106	Foreign Bank
40108	JP Morgan	108	Foreign Bank
40110	Credit Suisse	110	Foreign Bank
40124	Deutsche Bank	124	Foreign Bank
40126	Credit Agricole	126	Foreign Bank
40127	Azteca	127	Commercial Bank
40128	Autofin	128	Development Bank
40129	Barclays	129	Foreign Bank
40130	Compartamos	130	Development Bank
40131	Banco Famsa	131	Commercial Bank
40132	BMULTIVA	132	Brokerage
40133	ACTINVER	133	Brokerage
40135	NAF	135	Development Bank
40136	Intercam Banco	136	Commercial Bank
40138	Intercam	138	Brokerage
40139	Bancoppel	139	Commercial Bank
40140	ABC Capital	140	Brokerage
40141	UBS Bank	141	Foreign Bank
40143	CIBanco	143	Commercial Bank
40145	Bbase	145	Commercial Bank
40147	Bankaool	147	Commercial Bank
40148	Pagatodo	148	Payment Institution
40150	Inmobiliario	150	Development Bank
40151	Donde	151	Payment Institution
40152	Bancrea	152	Commercial Bank

Bank Account Types

There are different account types used in Mexican banking:

Code	Type	Description
1	Checking Account	Cuenta de cheques
2	Savings Account	Cuenta de ahorros
3	Credit Account	Cuenta de crédito
40	CLABE Account	Cuenta CLABE (for SPEI)
10	Investment Account	Cuenta de inversión

For SPEI withdrawals, the account type is usually picked up automatically from the CLABE format. However, for some operations, you might need to specify it yourself. This example shows a complete beneficiary object for a SPEI withdrawal request:

{
  "beneficiary": {
    "account": "012345678901234567",    // 18-digit CLABE number
    "account_type": "40",               // CLABE account type for SPEI
    "name": "Roberto Martínez García",  // Account holder's full name
    "rfc": "MAGR850920XY1",            // Individual RFC (13 characters)
    "institution": "40012"             // BBVA México institution code
  }
}

Each field serves a specific purpose:

Field	Type	Description
`account`	string	The CLABE number identifying the recipient’s bank account.
`account_type`	string	Code “40” indicates this is a CLABE account suitable for SPEI transfers.
`name`	string	Legal name of the account holder, must match bank records.
`rfc`	string	Mexican tax ID for the account holder (individual or business).
`institution`	string	Bank code corresponding to the first 3 digits of the CLABE (with “40” prefix).

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Institution Codes