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What is a CLABE? How Mexican bank transfers find the account

By SendPay Business · · 2 min read

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A CLABE (Clave Bancaria Estandarizada) is an 18-digit number that identifies a bank account in Mexico. It is needed for bank transfers within Mexico and is also used for many payments into Mexico from abroad.

What the digits mean

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Tap each one to see what it means.

First three digits

the bank.

Next three digits

the city or area of the branch.

Next eleven digits

the account number.

Last digit

a check digit that catches typing mistakes.

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SPEI transfers

Within Mexico, most bank transfers go through SPEI, the electronic payment system run by the Banco de México. Payments to a CLABE usually arrive within minutes.

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Paying from abroad

Many international transfer services pay straight into a CLABE. When paying through the SWIFT network, the sender's bank usually also asks for the Mexican bank's SWIFT code.

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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

Can I check a CLABE before paying?

Check its 18 digits and check digit, free.

CLABE checker →
What is a SWIFT code?

The code that identifies a bank internationally.

What is a SWIFT code? →
What is a remittance?

Money sent home to family abroad.

What is a remittance? →
What is Brazil's Pix?

Another fast Latin American payment system.

What is Pix? →

Read next

Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.