This comprehensive reference covers everything you need to implement SPEI transfers and withdrawals in Mexico. Understanding these core concepts will help you build reliable payment integrations with the Mexican banking system.

​
Essential Concepts

Get familiar with these core concepts before implementing your integration:
CLABE (Clave Bancaria Estandarizada) is Mexico’s standardized bank account number format used for SPEI transfers. Each CLABE contains:
  • Bank code (3 digits) - Identifies the financial institution.
  • Branch code (3 digits) - Identifies the specific branch.
  • Account number (11 digits) - The actual account identifier.
  • Check digit (1 digit) - Validation digit calculated using a weighted algorithm.
Example: 012345678901234567 where 012 = BBVA México, 345 = branch, 67890123456 = account, 7 = check digit.To know more about CLABE numbers, see CLABE Validation.
RFC (Registro Federal de Contribuyentes) are Mexican tax identification numbers mandatory for financial transactions. There are two formats:
  • Individual RFC: has 13 characters in total, and it’s made up of 4 letters + 6 digits + 3 alphanumeric characters. Example: MAGR850920XY1 (name letters + birth date + verification code).
  • Business RFC: has 12 characters in total, and it’s made up of 3 letters + 6 digits + 3 alphanumeric characters. Example: ABC850920123 (business letters + registration date + verification code).
For detailed validation rules, see CLABE Validation.
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico’s real-time transfer system that operates 24/7. However, actual processing times may vary due to:
  • Standard processing: Transfers are usually completed within minutes at any time.
  • Institution-specific restrictions: Individual banks may have their own maintenance windows or processing delays.
  • Security validations: Anti-fraud checks can introduce additional processing time.
  • Holiday schedule: Major Mexican holidays may affect some institutions’ processing capabilities.
For detailed timing information and operational constraints, see CLABE Component Extraction.

​
Implementation Guides

Now that you understand the concepts, choose the specific guide for your needs:

Institution Codes

Complete list of Mexican bank codes, CLABE prefixes, and account types for SPEI transactions.

CLABE Validation

Validation algorithms, RFC formats, and error handling for Mexican banking data.

CLABE Component Extraction

Parse CLABE numbers and understand SPEI operational timing constraints.