Sending money from the USA to a family member’s account at BBVA Bancomer in Mexico is one of the most common remittance flows in the world. Mexico received $64.7 billion in remittances during 2024, a record high, with 96.6% of that money coming from the United States. Almost all of it (99.1%) arrived electronically through bank deposits, mobile wallets, and online transfers. Cash is no longer how families in Mexico receive support from relatives in the USA. The account is.
If your sister, mother, or cousin in Mexico has a BBVA Bancomer account, you have access to the country’s largest bank. BBVA México (still widely called BBVA Bancomer) serves more than 25 million customers and ranks first by both deposits and loans. For middle-class working families in Mexico, especially those with formal payroll jobs, BBVA is often the bank where their cuenta de nómina lives. It is the bank where their salary lands every fifteen days, where they pay their utilities, and where remittances from family in the USA become the cushion that turns a tight month into a normal one.
This guide explains how to send money to BBVA Bancomer from the USA in five minutes, what information your recipient needs to give you, what fees and exchange rates to expect, and why direct bank deposit is the most reliable method for working middle-class Mexican families.
For a complete overview of all the ways to send money to Mexico from the USA, see our complete guide to money transfer to Mexico.
How to send money to BBVA Bancomer from the USA in five minutes
The flow is simple once you have the right information from your recipient. With ShareMoney, the steps are:
- Download the ShareMoney app (iOS or Android) and create your free account.
- Choose Mexico as the destination country and select your delivery method. For BBVA Bancomer you have two options: Bank Deposit (the money lands directly in your recipient’s account) or Cash Pickup (your recipient walks into any BBVA Bancomer branch with their ID and collects the cash).
- Select BBVA Bancomer (BBVA México) from the bank list.
- Enter your recipient’s account information. For Bank Deposit, ShareMoney accepts either an 18-digit CLABE or a 16-digit BBVA debit card number, whichever is easier for your recipient to share. The CLABE for BBVA accounts always starts with 012 (the bank code), followed by a 3-digit branch code and an 11-digit account number. The debit card number is the long number printed on the front of any BBVA debit card. Both route to the same account. For Cash Pickup, you only need your recipient’s full legal name as it appears on their official ID; no account is required.
- Enter the amount you want to send in USD. The app shows you the exact amount in Mexican pesos your recipient will receive, the exchange rate applied, and any fee, all upfront before you confirm.
- Pay with your debit card, credit card, or bank account (ACH). First transfers are free.
- Confirm and your transfer is in the queue. Your recipient receives the deposit in their BBVA Bancomer account within minutes for express transfers and up to one business day for standard deposits, or picks up the cash at any BBVA branch during banking hours.
That’s the whole process. No paperwork. No bank visit on your side. No hidden fees revealed at checkout.
Why send money to BBVA Bancomer specifically
BBVA Bancomer is not just one option among many. It is the largest bank in Mexico by every measure that matters to a remittance recipient. According to BBVA México, the bank serves more than 25 million customers and operates the country’s largest private banking network.
- More than 25 million customers. Roughly one in five Mexicans has a BBVA account.
- Number one by total deposits in Mexico (2.017 trillion pesos as of Q4 2025).
- Number one by total loans (1.94 trillion pesos in 2024).
- Nationwide branch and ATM network. BBVA México has the largest physical footprint of any private bank in the country, which means your recipient can access cash easily even in mid-sized cities and rural areas.
- Mobile-first banking. The BBVA México app is the most downloaded banking app in Mexico, so most account holders see deposits arrive in real time on their phone.
For a sender in the USA, this scale matters in one specific way: you almost never have to ask your recipient which bank they use. If they have a formal payroll job in Mexico, there is a good chance their account is at BBVA. The probability is on your side, which makes it easy to send money to BBVA Bancomer from the USA without a long back-and-forth about routing details.
What is the difference between BBVA Bancomer and BBVA México
If you are confused about whether to send to “BBVA Bancomer” or “BBVA México,” here is the short answer: they are the same bank.
BBVA (the Spanish parent group, Banco Bilbao Vizcaya Argentaria) acquired Bancomer in 2000 and the merged entity operated under the name BBVA Bancomer for two decades. Around 2021 the bank officially rebranded to BBVA México, simplifying the naming and aligning with BBVA’s other markets. The acquisition history is part of why many Mexicans, especially senders in their 40s and 50s, still call it “Bancomer” or “BBVA Bancomer” out of habit.
When you select the bank in the ShareMoney app, you may see it listed as BBVA, BBVA Bancomer, or BBVA México depending on the screen. They route to the same place. The CLABE (starting with 012) is what actually controls where the money lands.
Why BBVA matters to working middle-class Mexican families
There is a layer to this story that does not appear in marketing copy from any remittance company.
In Mexico, the bank you use says something about who you are economically. Banco Azteca, owned by Grupo Salinas, is the bank of working-class families and informal earners. It opens accounts with minimal paperwork at any Elektra store. It is the bank of the señora que vende quesadillas en la esquina and the albañil que cobra por semana. It is essential, dignified, and unapologetic about its working-class identity.
BBVA Bancomer is something different. It is the bank where the family’s cuenta de nómina arrives. It is the bank of the empleado de oficina en Polanco, the contadora en Monterrey, the maestra de secundaria en Guadalajara. It is often the first bank a young Mexican professional opens an account with after their first formal job, and it is frequently the bank that holds the family’s savings, mortgage, and college fund.
When a relative in the USA sends money to a BBVA account in Mexico, the receiving family is almost always in this middle-class formal-employment segment. They have payroll, they have benefits, they have a household budget that combines local income with periodic support from family abroad. The remittance is not survival; it is reinforcement. It pays the colegiatura of a niece, the predial on the family house, or a medical procedure that IMSS does not cover quickly enough.
Knowing this changes how you should think about the transfer. Speed and exchange rate matter, of course. But what matters most for this audience is reliability and predictability. The deposit needs to arrive when promised, in the amount promised, with no surprises. That is what direct bank deposit to BBVA delivers.
How fast does the money arrive at BBVA Bancomer
Bank deposit speed depends on two things: the time you send and the type of transfer you choose.
- Express deposit: funds typically arrive in your recipient’s BBVA account in minutes, including evenings and weekends. This works because BBVA México participates in SPEI, Mexico’s real-time interbank settlement system that operates 24/7.
- Standard deposit: funds arrive within one business day, which is enough for non-urgent monthly support transfers.
If you send late on a Friday using standard deposit, your recipient will see the money on Monday morning. If you send the same transfer with the express option, they often see it before you finish your coffee. ShareMoney shows the expected arrival time before you confirm the transfer, so there are no surprises on the receiving end.
Exchange rates and fees: what to look for
The exchange rate is where most senders lose money without realizing it. Many transfer services advertise low or zero fees but inflate the exchange rate margin, which means your recipient ends up with fewer pesos than expected.
ShareMoney shows the exact MXN amount your recipient will receive before you confirm. The exchange rate, the fee (if any), and the federal excise tax (if any, see below) are all visible upfront. You do not have to do mental math at checkout.
For context on how exchange rates work and how to time a transfer when the peso is moving, see our USD to MXN exchange rate guide.
Does the new 1% federal excise tax apply when I send to BBVA Bancomer
Starting January 1, 2026, the United States introduced a 1% federal excise tax on remittances under the One Big Beautiful Bill Act (OBBB). This tax applies only to remittances paid in cash, money orders, or cashier’s checks, typically the kind of transactions handled by physical agents at Western Union or MoneyGram retail locations.
Digital methods are exempt. That includes debit cards, credit cards, and ACH bank transfers. Because ShareMoney is a 100% digital service that funds transfers electronically, the 1% federal excise tax does not apply to your transfer. You are not paying that tax when you send to BBVA Bancomer through the ShareMoney app.
For a family sending $500 monthly to a BBVA account in Mexico, this is roughly $60 in annual savings versus a cash-based service that does charge the tax.
What if my recipient does not have a BBVA account
Even if your recipient does not have a BBVA Bancomer account, you still have options.
Cash Pickup at any BBVA Bancomer branch. ShareMoney offers cash pickup at BBVA branches across Mexico, which means your recipient can walk into any local BBVA office with their official ID and collect the cash, without needing to be a bank customer. This is useful for relatives who do not have a bank account, who lost access to theirs, or who simply prefer cash over a deposit. Coverage extends to BBVA’s nationwide branch network, the largest of any private bank in Mexico.
If BBVA is not the right fit at all, ShareMoney also supports two other major delivery options for Mexico:
- Banco Azteca account: if your recipient is paid by an employer that uses Banco Azteca, or if they prefer the working-class banking option, see our guide to sending money to Banco Azteca from the USA.
- Cash pickup at OXXO: millions of Mexicans without a bank account collect cash at OXXO convenience stores, which are open extended hours including evenings and weekends. Our OXXO cash pickup guide covers exactly how it works.
The point is that you do not have to ask “which bank?” before deciding to send money to BBVA Bancomer from the USA. ShareMoney supports BBVA bank deposit, BBVA cash pickup, Banco Azteca, OXXO, and direct deposit to most other Mexican banks, all through a single app.
Frequently asked questions
Is sending money to BBVA Bancomer from the USA safe?
Yes. When you send money to BBVA Bancomer from the USA through ShareMoney, you are using a service of Omnex Group, founded in 1989 and licensed under NMLS #899521. The company has been moving money for Mexican families for more than 35 years, with operations in 49 US states. Bank deposits to BBVA México are processed through SPEI, the same regulated interbank system that Mexican banks use for all domestic transfers.
What information do I need from my recipient at BBVA Bancomer?
For Bank Deposit, you need their full legal name as it appears on the BBVA account, plus either their 18-digit CLABE or their 16-digit BBVA debit card number. The CLABE for BBVA accounts always starts with 012, and your recipient can find it in the BBVA México mobile app, on a bank statement, or by calling their branch. The debit card number is printed on the front of any BBVA debit card. For Cash Pickup at a BBVA branch, you only need your recipient’s full legal name; no account information required.
Can I send to a BBVA debit card number instead of a CLABE?
Yes. ShareMoney accepts either the 18-digit CLABE or the 16-digit BBVA debit card number when you send money to BBVA Bancomer from the USA via Bank Deposit. Both route the money to the same account, so use whichever your recipient finds easier to share.
How much can I send to BBVA Bancomer in one transfer?
Limits depend on your verification level and your recipient’s account type. ShareMoney shows your specific limits inside the app once you create your free account. Most senders use a standard daily limit that comfortably covers monthly family support transfers.
Will my recipient pay a fee at BBVA to receive the money?
No. BBVA México does not charge an incoming deposit fee for SPEI transfers, which is what ShareMoney uses. The full amount you send (in pesos) lands in your recipient’s account.
What if my recipient still calls it BBVA Bancomer instead of BBVA México?
Doesn’t matter. They are the same bank. The CLABE starting with 012 routes the money correctly regardless of which name your family uses for it.
Get the real BBVA Bancomer transfer with ShareMoney
When you send money to BBVA Bancomer from the USA, three things matter most: the deposit arrives in your family’s account on time, the exchange rate is real and visible upfront, and your transfer never gets caught in some hidden fee. ShareMoney accepts both the CLABE and the BBVA debit card number for bank deposit, and offers cash pickup at any BBVA branch when your recipient does not have an account. As the digital remittance service of Omnex Group, with 35+ years moving money for Mexican families, the first transfer is free. Your tía’s cuenta de nómina in Monterrey can have the money before her next shift.
Related reading: Money Transfer to Mexico from the USA · Send Money to Banco Azteca from the USA
