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Mexico

What is SPEI, and how CLABE numbers work

SPEI is Mexico's interbank electronic payment system, run by the central bank and behind almost every domestic transfer. Paying into it, you work with CLABE, the account numbering standard it delivers against.

Mexico

MXN

Instant bank transfer

How a payment moves

  1. You One API request
  2. SPEI CLABE and recipient name
  3. Recipient Mexican bank account
On DVBridge Payouts Live

Paying into it with DVBridge

  • Payouts · Mexico Live
    What you send
    CLABE, 18 digits
    Recipient name
    Required
    Delivery
    Under 5 minutes

Amount limits are configured for your account and returned by the API.

Eighteen digits that check themselves

Three digits for the bank, three for the city or branch region, eleven for the account, and a check digit calculated from the rest. Checking the bank against the first three digits, and the check digit against the others, catches almost any single mistyped digit before payment.

Why the bank code must agree

SPEI routes by CLABE; the bank name on a payment is informational. Pick one bank, type another bank’s CLABE, and the payment goes where the number says. We refuse that mismatch before anything moves.

What goes into a payout

The CLABE and the recipient’s name. Mexicans find their CLABE in banking apps as the number to share for receiving transfers. Sixteen digits is a card number; eleven is an internal account number and will not route. Amounts are whole pesos: a fraction is refused, not rounded.

Questions and answers

  • How long is a CLABE?

    Eighteen digits, always.

  • They gave me sixteen digits.

    That is a card number, not a CLABE.

  • What if the bank and the CLABE disagree?

    The payout is refused at creation. Delivery would otherwise follow the number, not the name.

  • Can I send centavos?

    Not on this corridor. Amounts are whole pesos.

  • How fast is SPEI?

    Minutes in the normal case.

Name the markets. We bring the rails.

Which markets, which products, roughly what volume. We come back with terms, test keys and the documentation.

Name a market partners@dvbridge.com