Surely during your stay in the United States you have heard about the well-known Green Card or permanent resident card.

It is a document issued by the U.S. government that allows immigrants to reside and work legally and permanently.

For immigrants, obtaining it is of utmost importance, as it also opens the door to several benefits, such as legal protection, the right to purchase property, and the ability to apply for lawful permanent residence for family members.

Thousands of migrants in the United States often ask the big question: “How can I live legally in the United States?” We know how important it is for you to achieve better living conditions to support your family and loved ones. Therefore, below you’ll find a guide with practical steps, eligibility categories, and the documents needed to obtain a Green Card and change your life in the United States.

Eligibility categories for the Green Card

There are several paths to obtain a green card. To know which one to take, you need to be clear about both your immigration status and the eligibility category that applies to your profile.

Family-based Green Card

The first category refers to permanent residence granted through immediate family members who already have legal status in the United States.

It is divided as follows:

• Immediate relatives of U.S. citizens: spouses and unmarried children under 21.

You must wait for approval of Form I-130 and then apply for residence; there is no annual cap.

• Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.

You must file Form I-485. For this, you must wait until your priority date becomes current on the Visa Bulletin. Otherwise, you can only file the I-130.

Employment-based Green Card

• EB-1 visa: individuals with extraordinary ability, such as distinguished professors or researchers.

• EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.

• EB-3 visa: skilled workers, professionals, and “other workers.”

• EB-4 visa: special categories such as religious workers, U.S. government employees, members of the Armed Forces, among others.

• EB-5 visa: for investors who allocate substantial funds to businesses that create at least 10 jobs in the country.

Process to obtain a work-based visa

• The employer files the PERM Labor Certification, demonstrating that there are no qualified or available U.S. workers for the position. To do this, they must submit Form ETA-9089 to the Department of Labor.

• Once employment authorization is obtained, the employer must file Form I-140 with USCIS, along with the approved PERM certification.

• The employee must apply for adjustment of status via Form I-485 (if in the United States) or do consular processing at a U.S. embassy.

• For the EB-2 visa, applicants may choose the National Interest Waiver (NIW), which eliminates the need for PERM.

Remember that to work legally in the United States you must obtain an SSN. Before obtaining residence, migrants often use an ITIN to file their tax returns.

Green Card for special immigrants

• VAWA visa: victims of abuse by a U.S. citizen or permanent resident.

• SIJ visa: minors who have been abused or abandoned by their parents.

• In both cases, applicants must file Form I-360.

Green Card through refugee or asylee status

• People admitted through an asylum claim or refugee status, as well as their immediate family members.

• In both cases, applicants must be physically present in the United States for at least 1 year and then file Form I-485.

Other categories

In addition, there are other less common categories:

• Diversity Visa (Green Card Lottery): an annual lottery of up to 50,000 slots. Selectees receive a consular interview, though it does not guarantee a visa.

• Cuban Adjustment Act: a special adjustment program for Cuban nationals.

Each category has different eligibility requirements and processing times, so it is very important to consult U.S. government guidance and, if needed, seek the support of an immigration attorney.

Steps to apply for a Green Card

Once you know, in broad strokes, the requirements to obtain a Green Card, you need to be clear about the application process you must follow.

Determine eligibility

Before starting any process, review the categories above and determine which best fits your profile—family, employment, special immigrants, etc.

We recommend reviewing the Visa Bulletin to verify the documents required for your category and ensure you have them.

File the initial petition

Once you are clear on the category that applies to you, you must file the form indicated for that category, along with the required supporting documents, for example:

• Valid passport (required for any category).

• Evidence of the family relationship, such as birth or marriage certificates.

• Job offer letter.

Adjustment of status or consular processing

After your corresponding form is approved, you must apply for adjustment of status or consular processing and pay the fee required by the Department of State.

• If you are in the United States, file Form I-485 along with evidence of eligibility.

• If you are in another country, you must submit the DS-260 at a U.S. consulate. This is the immigrant visa application for permanent residence.

Interview and biometrics

In the next step, you must attend an adjustment-of-status appointment, at which USCIS will take your fingerprints, biometrics, photo, and signature.

You must also attend an interview to answer questions related to your eligibility category.

Receiving the Green Card

Finally, your Green Card will be mailed to your address. Make sure to check that all details are correct and keep it in a safe place.

After some time, you may apply for citizenship if you meet the necessary requirements.

Maintaining and renewing the Green Card

Once you have your green card in hand, you must keep track of renewal periods to avoid issues after the expiration date.

Renewal and replacement

• A regular Green Card is valid for 10 years.

• To replace your Green Card, you must file Form I-90 at least 6 months before the expiration date.

• The same form is also used in case of damage or loss.

Removal of conditions

• Applies to conditional residents with a 2-year Green Card, generally based on a recent marriage to a U.S. citizen.

• File Form I-751 for marriage-based cases or the corresponding form for your category.

• You must submit the documentation required by USCIS, as well as attend an additional interview.

Important rules

• If you change your address, be sure to report it to USCIS promptly.

• If for any reason you need to spend more than 6 consecutive months outside the United States, be sure to obtain a reentry permit (Advance Parole or Reentry Permit). Otherwise, you could risk losing your residence.

• Refrain from actions considered abandonment of residence, such as surrendering the card or voting in foreign countries.

• Keep an eye on your Green Card’s validity and renew it when appropriate.

Organize your financial life in the U.S. with Común

As you can see, the process of obtaining a Green Card is long and exhausting. Therefore, it is essential to understand the different categories, steps, forms, and the key points to maintain your permanent residence.

Another relevant point for improving your stay in the United States is having partners who understand your needs.

We present Común, the financial platform that addresses day-to-day needs through an intuitive mobile app, where you can easily open an account with qualifying official identification from your country of origin.

It also offers remittance services to several countries, helping your family receive more for less.

Why choose Común?

• Open a secure account with clear and competitive fees.

• Receive deposits and send remittances home.

• Get a debit card for daily expenses and financial control.

• Ability to save and plan your finances as you settle in the United States.

Open your account with Común today and get financial services tailored to you.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

Can I travel outside the U.S. while my application is in process?

You need to obtain Advance Parole (Form I-131), since leaving the country could cancel your application.

When can I apply for citizenship after obtaining a Green Card?

You must be a permanent resident for at least 5 years, or 3 if based on marriage, and have lived continuously in the United States and fulfilled tax obligations.

How long does the Green Card process take?

It depends on the category and whether you apply inside or outside the country. In general, the wait time is approximately 1 to 3 years.

How much does it cost to apply for a Green Card?

The cost varies by category. Check USCIS’s fee calculator to get a clear figure.

What is the difference between the I-485 and the DS-260?

The I-485 is the adjustment-of-status application to permanent resident filed within the United States, whereas the DS-260 is the immigrant visa application filed from another country.

What happens if your Green Card is denied?

You can appeal the decision via Form I-290B or refile the application.

Every day, millions of people in the United States rely on different methods to send money safely and quickly, whether within the country or, in the case of immigrants, to their countries of origin.

The wire transfer is one of the most popular methods for sending money through financial institutions that provide backing and traceability to ensure the recipient receives the funds.

According to Federal Reserve (Fedwire) data, in 2024 there were 209.9 million wire transfers, representing 8.6% growth compared to the prior year.

Today, the dynamism of the financial system has led to different solutions for making domestic and international money transfers. That is why it is important to understand what a wire transfer is, how it works, and its advantages and disadvantages.

How does a bank transfer or wire transfer work?

A bank transfer or wire transfer is an electronic method of sending money from one bank account to another in real time and without the need for cash. It is especially advisable for transmitting large amounts when extra security is required.

The mechanism for using this transfer service is as follows.

Initiation by the sender

To make an electronic transfer, the sender must initiate the process, either in person (at a bank) or digitally (through a mobile application).

At the beginning of the process, it is necessary to provide the recipient’s information in order to complete the transaction.

Sending of instructions

The bank or financial institution verifies and validates the funds, as well as their sufficiency or insufficiency in the sender’s bank account.

Receipt and crediting

Once the information has been validated, the funds are sent to the indicated account through secure networks according to the type of money transfer.

• Fedwire: a system operated by the National Reserve, for transfers of large amounts of money within the United States

• CHIPS: a system operated by The Clearing House, for international transfers

Advantages and disadvantages of bank transfers (Wire Transfers)

Making a wire transfer has several pros and cons, such as the following.

Advantages

Speed

In the case of domestic wire transfers, the money is deposited within minutes or in less than one business day, making it advisable for urgent payments.

For international bank transfers, the time can range from 1 to 3 business days, so you should consider this limitation if you need to send money outside the United States.

Security

Money moves through official U.S. networks, which provides certainty and facilitates tracking. It also reduces the risk of fraud and scams by dispensing with traditional payment methods such as cash or checks.

Ideal for large amounts

Compared with other transfer platforms (such as Zelle, Western Union, and ACH transfers), wire transfers do not have send limits that are as low, making them ideal for moving large amounts of funds safely and quickly.

Traceability

When a wire transfer is made, each movement is recorded through the networks used, making it easy to trace the money if any issue arises during the process.

Disadvantages

Cost

Banks charge transfer fees that are considerably higher compared with other alternatives.

The cost of domestic transfers ranges from $15 to $30 USD, while international transfers can exceed $50 USD if intermediary institutions must participate in the process.

Irreversibility

If an error is made or you are the victim of fraud, a transfer cannot be reversed. In addition, the bank is not responsible for erroneous electronic payments that were duly authorized.

Detailed information required

To complete the transfer, precise information is required, such as the SWIFT code and the recipient’s name. If a figure is incorrect, the operation will still be carried out.

There are more accessible alternatives for making electronic transfers, such as Común, which provides access to a mobile application and a debit card, with simple procedures. In addition, Común account funds are FDIC insured up to the applicable limits through an FDIC-insured bank.

Required information and how to make a Wire Transfer effectively

Before making an electronic transfer, it is crucial to gather the necessary information so that your money reaches its destination without issues.

Essential data to send a wire transfer

Recipient’s full name 

Make sure to write it exactly as it appears on their account.

Name of the receiving bank 

Write the bank’s full name, without acronyms or abbreviations.

Routing number (ABA) for domestic transfers in the U.S. 

It is a 9-digit code that identifies each bank in the United States.

SWIFT/BIC code for international transfers 

It is an international identifier for each bank.

Bank account number or IBAN for international transfers 

The IBAN is an international code that includes the country identifier, the bank identifier, and the bank account number.

Exact amount to send

It is very important to verify the amount to be sent, because an erroneous operation cannot be canceled.

Tips for a successful and secure transfer

Before making this type of transfer, it is essential to keep some recommendations in mind to avoid issues or errors that could affect your finances.

Double-check all information

Take the time to ensure you have entered exact and correct information, since once a transfer is authorized, it cannot be reversed.

Understand all associated fees before sending

Transfer fees depend on various factors, such as the issuing bank, amount, and—if international transfers are involved—the participation of intermediaries and the exchange rate used.

It is very important to understand all costs involved in a wire transfer, as in some cases the figure can be quite high and not very competitive.

Use reliable and transparent platforms

Ensure that your bank is a reliable institution and has appropriate security measures to handle large amounts of money. Identify whether it has FDIC backing to insure bank deposits in the United States.

Stay alert to possible fraud

Avoid sharing personal information with strangers, as well as passwords or verification codes. If you have any doubts or receive a suspicious call, contact the financial institution directly.

Común: The solution for your transfers in the U.S.

Now that you know what a wire transfer is, you will see that it is very useful for moving money, especially when large amounts are involved and a secure, fast method is sought. However, there are modern alternatives that make sending money easier.

Común offers a more accessible alternative that simplifies money management, especially for immigrants in the United States.

In addition, it offers a simple platform for making domestic and international transfers for a fee starting at $2.99 USD, up to the applicable limits.

Discover an easier way to manage your finances from the palm of your hand. Download the Común mobile app and transfer money without complications.

Frequently Asked Questions

What is the difference between a bank transfer and a wire transfer?

A bank transfer is the general way to refer to any type of digital movement of money. A wire transfer refers to the network used to carry it out. There are also ACH (Automated Clearing House) transfers and mobile payments.

How long does it take to process a wire transfer?

For domestic transfers, they are usually completed the same day if initiated before the cut-off time. After that time, they take about one business day.

International transfers usually take 1 to 3 business days.

Can I cancel a wire transfer once it has been sent?

No, it is not possible to cancel a wire transfer once it has been fully processed. 

Are there amount limits for wire transfers?

There is no set limit; it depends on each bank. However, the permitted amounts are higher than with other alternatives.

If you need to send money to your home country from the United States, it is important to consider how long an international money transfer takes. In general, the processing time for this type of operation is usually 1 to 5 business days.

However, this depends on several factors, such as the payment system, the banks involved, the currency conversion, and the holidays in between.

That is why it is important to know the different types of international money transfers available, the advantages and disadvantages of each one, and, of course, how long they take to deliver the money to its destination.

Below, we offer you a guide to answer those questions so you can send money home as quickly and safely as possible.

What is an international money transfer and how long does it usually take?

First of all, an international transfer is the sending of money to a bank entity located outside the country of the originating account. Unlike domestic transfers, international transfers involve additional banking systems, such as the SWIFT networks, which can increase costs and processing times in many cases.

There are several factors that influence the total time an international money transfer takes, but in general, it takes 1 to 5 business days.

For example, one relevant aspect that influences this is the system used, whether SWIFT or SEPA, which have different conditions and characteristics.

SWIFT Transfers

The SWIFT system is the largest network: it connects thousands of traditional banks worldwide to send money from one country to another through secure mechanisms.

Characteristics of the SWIFT system

• In general, it takes 3 to 5 days to complete money transfers.

• The involvement of intermediary banks is common, which can generate additional fees.

• It is useful for sending money in different currencies, although it implies disadvantages in time and costs.

• To use this system, check the SWIFT code of the receiving bank.

SEPA Transfer

On the other hand, the SEPA system is focused on international money transfers within the European Union.

Characteristics of the SEPA system

• International money transfers are usually completed in 1 business day.

• Fees are more affordable compared to the SWIFT system.

• This system works exclusively in the SEPA area, and for transactions in euros.

As you can see, both the SWIFT and SEPA systems are useful for making international money transfers safely. Although for those living in the United States, the latter is not recommended due to its geographic limitations.

Here is a comparison table:

Factors that influence the time of an international money transfer

The time an international money transfer takes is not fixed. It varies according to the type of transfer and other elements involved in the operation.

Here is what you need to know to estimate how long it will take for your money to reach your loved ones.

Payment system

So far, we have presented the SWIFT system, which takes 3 to 5 business days, and SEPA, which is generally reflected the next business day.

In addition, there are ACH (Automated Clearing House) transfers, which are a more common system in the U.S., characterized by being a more economical option, although the process usually takes 2 to 3 business days.

Intermediary banks

There are cases in which the financial institutions participating in an international money transfer do not have a direct relationship with each other, so they need to involve intermediary banks. This, in addition to increasing costs, lengthens transfer times, because it makes the operation take longer than usual.

Cut-off times and business days

Another essential aspect is the cut-off time banks have for executing transactions. If you send money after this time, the operation is processed the next business day.

Also, do not forget to take into account the holidays of both the sending country and the receiving country, which also extend the waiting time.

Currency conversion and destination country

When sending money from the United States to your home country in Latin America, the bank will need to make the corresponding currency exchange and apply an exchange rate. This also usually adds time to the international money transfer process.

Security verifications and compliance controls

Banks often carry out security checks to prevent money laundering and fraud, especially when large amounts are involved.

What information do you need to make an international money transfer?

You are almost ready to start sending money abroad. But first, it is very important that you make sure you have the necessary information to process this type of transfer. Otherwise, the transfer could be rejected or take longer than usual.

Sender’s information

You will need to provide your basic personal information: full name, bank account, official address, and phone number.

Beneficiary’s information

It is also essential to provide the details of the person who will receive the money: full name, recipient’s account number, address, and country of origin.

Bank codes

• IBAN: for transfers within the European Union.

• SWIFT/BIC code: for transfers in most of the world, including the United States.

Amount and currency

Indicate the amount of the transfer and the currency in which it will be received.

Purpose or payment reference

Finally, indicate the purpose of the transfer. It may be: maintenance payment, family support, family savings, etc.

How can you speed up an international money transfer?

We know that sending money to your family and loved ones is very important, which is why it is vital that you avoid mistakes and bad practices that could delay your transfers even more.

• Verify that the beneficiary’s details are complete and correct: check that your recipient’s details are written as they appear on their official identification.

• Make the transfer before the bank’s cut-off time: remember that doing it after this time causes the transfer to be processed the next business day.

• Avoid sending money on weekends or holidays: try to send money on business days to avoid delays.

• Consider using specialized remittance services with faster processes: there are alternative services that offer better conditions than traditional banks.

Make your international money transfers quickly and safely with Común

This time, we learned that international transfers are money transfers made from one country to another, and there are several factors involved in the time they take to be completed.

Are you looking for a way to send money home without complications?

Discover Común, the digital platform that connects you with your family through a service that understands your needs.

Make your first international money transfer, forget about hidden fees, and get transparent rate so your loved ones receive more for less.

Frequently Asked Questions (FAQ)

If you still have questions, check our FAQ.

What is the average time of an international money transfer?

Approximately 1 to 5 business days.

Why do some transfers take longer than usual?

It depends on the system used, the involvement of intermediaries, the currency exchange, and other factors. That is why you should make sure to check the estimated time before sending your money, to see if it fits your timing and needs.

Can I send money on weekends?

Yes, but it will be processed the next business day in most cases.

Have you heard of Zelle? It is a highly popular digital payments platform in the United States. It allows users with accounts at affiliated banks—whether traditional banks, digital banks, or credit unions to easily send and receive money.

In 2024 alone, Zelle reported 151 million enrolled accounts, including individuals and small businesses, reflecting its widespread adoption among U.S. users.

If you need to send money outside the United States easily, for example Mexico, you may be wondering which banks in Mexico support Zelle.

However, this platform does not have agreements with any banks in Mexico, and it is mandatory to have a U.S. banking account to access its services.

Nevertheless, there are other options as efficient as Zelle for sending money to Mexico, such as banking accounts with integrated remittance services and international money transfer applications.

Below, we explain how to receive money through Zelle, the benefits it offers for users in the United States, and the alternatives available for sending money to other countries.

What is Zelle and Is It Possible to Use It in Mexico?

Zelle is a digital payments service that facilitates P2P (peer-to-peer) transfers at certain partner banks within the United States.

It is known for being a fast service, with money transfers reflected within minutes, in addition to being free and having broad coverage throughout the U.S.

It operates through the mobile apps of participating banks, as it is directly integrated with them and only allows money transfers to other Zelle users.

But which bank in Mexico is compatible with Zelle? Unfortunately, it is not possible to send or receive money through this platform in Mexico, as it is not designed for international money transfers and only complies with the technological and regulatory standards of the U.S. financial system.

Which Banks in Mexico Use Zelle? Everything You Need to Know

No bank in Mexico is compatible with Zelle services, meaning that international money transfers cannot be made through this platform.

To use Zelle, you must have a U.S. banking account at one of the affiliated banks.

Here is a list of some of the major banks that support Zelle in the United States:

1. Ally Bank
2. Bank of America
3. BMO Harris Bank
4. Capital One
5. Chase (JPMorgan Chase)
6. Citibank
7. Citizens Bank
8. Discover Bank
9. Fifth Third Bank
10. FirstBank
11. Frost Bank
12. Huntington Bank
13. PNC Bank
14. Regions Bank
15. TD Bank
16. Truist Bank
17. US Bank
18. Wells Fargo

Although Comun is not integrated with Zelle, this does not limit its functionality, as it is a comprehensive personal finance solution that goes beyond just money transfers.

How to Send Money to Mexico with Zelle? Answers and Efficient Alternatives

If you need to send money to Mexico quickly, you will have to choose a different service than Zelle, as it only allows bank transfers between U.S. accounts.

The main reasons Zelle is not available in Mexico are:

• To register with Zelle, you must access the online banking platform of one of the affiliated U.S. banks.
• You also need a U.S. phone number or email address.
• Zelle is not a remittance or international payment platform, so it does not have the capacity to convert currencies or deposit funds in international banks.
• Zelle does not comply with the regulations of financial institutions in Mexico, such as Banxico and the CNBV.

If you have used Zelle to send money within the United States, you are likely looking for a similarly reliable system to make international money transfers.

U.S. Banking Accounts with Integrated Remittance Services

In addition to traditional banks, there are alternatives that offer integrated remittance services to facilitate money transfers to Mexico.

Comun is a platform that meets the needs of many people in the United States, especially the immigrant community, by allowing remittances to be sent to loved ones easily, at very low cost, and through a single mobile application.

International Money Transfer Platforms

Another alternative for making international money transfers is to use platforms specialized in this type of transaction.

Examples include:

• Wise: sends money between accounts using the real time exchange rate.
• Remitly: offers international money transfers with standard or instant delivery.

The advantage of these platforms is that a bank account is not required, and their operation is accessible. However, the money transfer fees vary depending on factors such as the amount to be sent and the exchange rate.

Traditional International Bank Transfers to Mexico

You can also opt to make money transfers through traditional banks, for which you will need the SWIFT code of the receiving institution in Mexico and the recipient’s banking details.

Although it is a secure option, it is also one of the most expensive, due to high fees and intermediaries that increase the cost.

For example, a U.S. bank like Bank of America charges a $45 USD fee plus an average of 1% to 3% exchange rate margin. Therefore, in a money transfer of $1000 USD, the recipient receives approximately 900 pesos MXN less than with specialized international money transfer platforms.

Cash Deposit/Withdrawal Services at Retail Networks

If the recipient does not have access to a banking account, you can choose a service for cash deposit and withdrawal at physical locations.

Some examples include:

• Western Union: global network for bank transfers and cash delivery
• MoneyGram: allows money transfers to banking accounts and in cash
• Comun: also allows quick cash transfers

Beyond Zelle: Comun Simplifies Your Financial Life in the U.S. and Your Money Transfers to Mexico

Although Zelle is a very effective service for sending and receiving money within the United States, it has limitations that prevent international money transfers, making it more suitable for citizens who need to make frequent payments within U.S. territory.

For the immigrant community in the United States, it is important to choose a solution that not only facilitates money transfers but also offers a complete, accessible, and easy-to-use finance platform.

Comun is the platform that will simplify your financial life in the United States, offering the following benefits:

• Open an account easily using your official ID from your country.
• Forget about traditional fees: no opening fee, no monthly maintenance fee, and no minimum balance required.
• No hidden charges for remittances: your first international money transfer is free, and afterward you pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Customer support also available in Spanish.
• Integrate your finances and remittance service in a single mobile application, making Comun the most suitable option.
• Obtain a Visa debit card to make purchases in physical stores.
• Access an extensive cash management network and make deposits at thousands of locations near you.

Open your Comun account and access a financial service without complications.

Frequently Asked Questions

Do I need a U.S. account to use Zelle?

Yes, Zelle is only available through the online banking platforms of affiliated U.S. banks.

Can I send money to Mexico via Zelle if I have a U.S. account?

No, no bank in Mexico is compatible with Zelle.

What are the best alternatives to Zelle for sending money to Mexico?

Comun: a fintech platform that provides access to an account and remittance capabilities.

Does Comun offer Zelle for sending money to Mexico?

Comun is not connected to Zelle, but you can send money to Mexico for a fee starting at $2.99 USD per transfer up to the applicable limits.

How do I set Zelle to Spanish?

Since it is a service available through the affiliated bank apps, you must access their settings and select Spanish as the preferred language.

How do I download Zelle?

Go to the Play Store or App Store and search for Zelle. Remember, it is only available in the United States.

‍

How to send money to Honduras from the U.S.

Sending money to Honduras from the U.S. usually takes minutes when using digital remittance services. Fees typically range from about $2.99 to $8 depending on the provider, payment method, and delivery option. Most transfers arrive the same day when sent to cash pickup or mobile wallets, depending on verification and processing conditions from each provider.

Hondurans in the U.S. sent over $9.74 billion home in 2024, according to Honduras's central bank. The World Bank estimates remittances represent roughly 26% of Honduras's GDP, making them one of the country's most important sources of household income. For many families, this money is part of monthly budgets that helps cover essential needs such as food, housing, healthcare, and education.

What is the cheapest way to send money to Honduras from the U.S.?

The answer depends on a few factors, including the fee charged to send, the exchange rate markup applied to the conversion, and how your recipient wants to receive the money. All three affect how many lempiras actually arrive on the other end.

Exchange rates vary by provider and are adjusted compared to the mid-market rate. This difference is called the exchange rate margin and can affect how much the recipient receives even when fees look low.

Exchange rate markups can quietly reduce what your family receives. Some providers advertise a $0 fee but apply a less competitive USD-to-lempira conversion rate, and that difference doesn't always show up clearly. Before confirming any transfer, it is recommended to check how many lempiras your recipient will actually get.

The delivery method also affects cost. Cash pickup options can have different pricing compared to bank deposits or mobile wallet transfers. Payment method also influences cost, since debit card, credit card, and bank transfer funding options are priced differently across providers.

Overall, the lowest-cost option depends on urgency, payout method in Honduras, funding method, and exchange rate conditions at the time of transfer.

When using Común remesas, you will be able to see and confirm exchange rate and fees before sending a transfer.

How long does it take to send money to Honduras?

Transfer times to Honduras vary depending on provider and payout method. Many digital transfers can arrive within minutes.

Cash pickup can be a fast delivery option across most providers because funds are made available for collection as soon as the transfer is processed and approved. Bank deposits may take longer, usually within the same day or up to one business day depending on processing times.

Timing can also change based on verification checks. First-time transfers or higher amounts often require identity verification under U.S. financial regulations, which can add extra processing time before the money is released.

Delivery speed is also affected by timing factors outside the provider's control. Weekends and public holidays in either the U.S. or Honduras can delay processing because some banking and payout networks operate only during business days.

Faster delivery options are often available, but they may be priced differently from standard transfers. In many services, selecting instant or expedited delivery can increase the total cost compared to slower options.

Best apps to send money to Honduras: comparison

Different apps and services offer different combinations of fees, speed, and convenience. The table below provides a quick comparison of common providers that are used for sending money from the U.S. to Honduras.

Fees and exchange rates change depending on payment method and transfer amount. It is important to verify with your selected provider the current fees and requirements.

How to send money to Honduras with Común: step by step

Sending money to Honduras with Común is done through a mobile app available in the United States. Inside the app, users can enter recipient information, choose an amount to send, and complete a transfer digitally step by step. The process is handled within the app and does not require visiting a physical location or using paper forms.

1. Create a Común account

You will need a valid ID for which you can use a passport or more than 100 valid Latin American IDs, a residential address in the US (you can use your phone's location for proof) and an active email address and phone number capable of receiving SMS. The first step is to download the Común App (available on iOS and Android), the next step is to open the app and select Sign Up / Solicitar Ahora. Enter your personal details and US residential address. Then, take a photo of your official ID and a quick selfie to verify your identity. Finally, submit your application for approval.

2. Add your recipient in Honduras

Once you have your Común account, from the main dashboard, tap on "Envía una Remesa". Select a saved recipient or add a new one by entering their required details (full name, ID type, ID number, and bank account/delivery method).

3. Enter the transfer amount

Type in the amount you want to send and confirm the currency. The app will show the exchange rate and total cost before confirming the transfer.

4. Pay and confirm

Complete payment using your selected funding method and review transfer details before sending. Transparency in fees and exchange rates is shown before final confirmation.

You can send money to Honduras from your Común app starting at $2.99, in minutes, with transparent fees and visible exchange rates before you confirm a transaction.

How much does Western Union charge to send money to Honduras?

Western Union fees for sending money to Honduras vary based on transfer amount, payment method, and delivery option. Typical fees for mid-size transfers may range from about 5 to 8 USD equivalent, with additional costs coming from exchange rate margins.

Costs can increase when using credit cards or selecting instant cash pickup options. Final pricing is shown during checkout and depends on the specific transaction setup.

Western Union offers both in-store and digital options, but pricing differences may apply depending on where the transfer is initiated.

Can I send money to Honduras without a Social Security Number?

Yes, some remittance providers allow sending money without a Social Security Number.

Requirements vary depending on provider policies and transaction amounts. Some services may request additional verification for higher transfer limits or first-time users.

Identity verification is still required to comply with financial regulations, even if an SSN is not needed. Some service providers like Común accept alternative forms of identification such as a passport or Latin American ID for account creation.

What do I need to send money to Honduras for the first time?

First-time transfers usually require basic personal and recipient information. This includes a valid government-issued identification, the full name of the recipient in Honduras, and the method they will use to receive the money, such as cash pickup, bank deposit, or mobile wallet depending on availability.

When sending cash in person or loading cash into a transfer service, you also need the physical money in U.S. dollars and a valid ID. The agent or service provider will use this information to create and process the transfer.

Most digital services accessed through apps also require account verification before the first transfer is completed. This step is required under financial regulations in the United States and is used to confirm identity and reduce fraud risk.

Once the account is set up and verified, future transfers usually take less time because sender details and recipient information are already saved in the system.

FAQ

What is the cheapest app to send money to Honduras?

The lowest cost depends on exchange rates and fees combined. Some apps like Común start from $2.99 per transfer, while others vary based on payment method and transfer size.

How long does a transfer to Honduras take?

Most transfers arrive within minutes when using cash pickup or mobile delivery options. Bank deposits may take up to one business day depending on processing times.

Can I send money to Honduras without a bank account?

Yes, some providers allow cash-based funding methods such as debit cards or cash top-ups at partner locations. A bank account is not always required depending on the service.

What is the maximum amount I can send to Honduras?

Transfer limits depend on the provider and verification level. Most services allow higher limits after identity verification is completed.

Is it safe to send money to Honduras online?

Digital remittance services use encrypted systems and identity verification to protect transactions. Safety also depends on using regulated providers and secure login practices.

What do I need to send money to Honduras for the first time?

You need valid identification, recipient information, and a payment method. Most platforms also require account verification before the first transfer can be completed.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

‍

How to send money to Mexico via WhatsApp? Común vs. WhatsApp Pay

WhatsApp does not currently offer a service to send money directly from the United States to Mexico.

WhatsApp is one of the most popular ways to stay in touch with family and friends across borders. While the app supports payments in certain countries, its payment features are not available for sending money from the United States to Mexico.

However, for people living in the United States who are looking into sending money to Mexico, there are many different options available. From traditional service providers such as Western Union and MoneyGram to apps with instant international transfers like Wise, Remitly and Común.

Can I send money to Mexico via WhatsApp from the United States?

At this time, WhatsApp does not offer an official service that allows people in the United States to send money directly to recipients in Mexico through WhatsApp Pay. WhatsApp's payment functionality is only available in Brazil and India.

This means that you can still use WhatsApp every day to communicate with family and friends in Mexico, but you cannot transfer money from a U.S. account to a recipient in Mexico using WhatsApp Pay.

Some money transfer companies offer WhatsApp-based experiences that help initiate transfers, but those services are different from WhatsApp Pay itself. The actual transfer is processed through the remittance provider rather than through WhatsApp's native payment system.

What is WhatsApp Pay and how does it work?

WhatsApp Pay is a payment feature integrated into WhatsApp that allows eligible users to send and receive money without leaving the app. The service operates through local payment networks and financial partners in supported countries.

As of 2026, WhatsApp Pay is available in India and Brazil. It is not broadly available as a payment method in the United States, and it is not available as a direct remittance solution for sending money from the United States to Mexico.

Why can't I use WhatsApp to send money to Mexico?

Cross-border money transfers require financial institutions, payment networks, regulatory approvals, identity verification procedures, and international settlement systems. WhatsApp Pay was built around local payment systems in specific countries. Because of this, the service does not currently support direct remittances from U.S. bank accounts to recipients in Mexico.

This limitation often creates confusion because WhatsApp is widely used on both sides of the border. Messaging a family member in Mexico through WhatsApp is easy, but sending money through WhatsApp Pay is a different service with separate availability requirements.

How much does WhatsApp Pay charge for sending money?

There is no standard fee for sending money from the United States to Mexico through WhatsApp Pay because that service is not currently available.

If you're in the United States and need to send money to Mexico, you will need a remittance service provider. To compare the costs related to sending money to Mexico, it can be important to review: transfer fees, exchange rates, delivery methods, transfer speed, and recipient requirements.

What's the best way to send money to Mexico if not via WhatsApp?

There is no single answer because different money transfer methods work better for different situations. Bank transfers can be a familiar option for people who already have a checking account. Traditional remittance providers such as MoneyGram and Western Union offer multiple delivery methods, including bank deposits, cash pickup locations, and mobile wallets in some markets.

Digital remittance platforms have become increasingly popular because they offer the possibility of sending money directly from a smartphone. These services typically display the exchange rate, fees, and delivery method before the transfer is completed.

One option is Común through its remittances services, which allows eligible customers to send money to Mexico and other countries in Latin America directly from the Común app. Transfers start at $2.99, and many transfers are delivered on the same day depending on the destination and delivery method.

How to send money to Mexico with Común? (step by step)

1. Open the Común app on your phone.

Sign in to your account and navigate to the remittance section.

2. From the main page, select "Envía una Remesa".

Select the option on your app.

3. Choose your recipient or add a new one.

Provide the required details for the person receiving the transfer.

4. Enter the transfer amount.

Review the amount you want to send.

5. Review the transfer details.

Confirm the recipient information, delivery method, transfer amount, and estimated delivery timeframe.

6. Confirm the transfer.

Complete the transaction and wait for confirmation. Many transfers are delivered the same day, although delivery times may vary.

WhatsApp Pay vs. Común: a direct comparison

WhatsApp Pay was created for payments within certain supported markets. Común remittance services make it possible to send money from the United States to recipients in Mexico and other countries in Latin America directly from the Común app.

A Común account can be opened with a passport or more than 100 Latin American IDs with no minimums or monthly fees.

FAQ

Can I send money to Mexico using WhatsApp?

No. WhatsApp does not currently provide an official service that allows users in the United States to send money directly to recipients in Mexico through WhatsApp Pay.

How does WhatsApp Pay work?

WhatsApp Pay allows eligible users in supported countries to send and receive money through WhatsApp using local payment networks and financial partners.

How long does it take for the money to arrive if I send it with Común?

Many transfers sent through Común are delivered on the same day. Delivery times may vary depending on the destination, delivery method, and recipient institution.

What do I need to send money to Mexico with Común?

You generally need a Común account, the recipient's information, the transfer amount, and any additional details required for the selected delivery method.

How much does it cost to send money to Mexico with Común?

Común international transfers start at $2.99. The total cost may vary depending on the transfer amount, destination, and exchange rate.

Is it safe to send money through apps from the United States?

Using a regulated money transfer provider can help protect your transaction through identity verification, encryption, fraud monitoring, and transaction tracking features.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

‍

Buying a house in the U.S. is a process that is not legally restricted for the immigrant population. However, it is more complicated for this group due to certain specific requirements requested.

According to a recent article, obtaining financing is more difficult for immigrants due to obstacles such as lack of credit history, immigration status, and the need to have an SSN or ITIN.

If you plan to live in the United States and believe you are far from meeting the necessary requirements to buy a house there, below we present the complete guide so you can acquire a property for the first time.

Is It Possible to Buy a House in the United States as a Foreigner?

Unlike several Latin American countries, in the USA it is possible to acquire a property without being a U.S. citizen, as long as a series of requirements are met to carry out the purchase process.

This process is completely legal and increasingly common, as it is possible with good financial preparation and the necessary documentation. According to Realtor, during 2024 more than 43,700 homes were acquired by immigrants. This confirms the viability of the transaction.

Although it is not necessary to have citizenship or permanent residence to buy a house, it is true that immigration status and the fulfillment of other requirements can influence the steps to access mortgage loans and other financing options.

Requirements to Buy a House in the United States

The first step in buying real estate in the United States is to gather the requested documentation and have the financial solvency needed to cover the price of the property.

Identity Documents

These are the essential documents you must gather before buying a house.

Passport

You must present your valid passport and visa as primary identifications that will serve to validate your identity.

Tax Identification Number

Generally, lenders request the SSN, but if you do not have one, it is also possible to present the ITIN.

Financial Preparation

If you have the price of the property in cash, it will be much easier to complete the purchase process. Otherwise, you must undertake the appropriate financial preparation to access financing programs suitable for you.

This is the step-by-step process we recommend you follow to ensure you can cover the installments of your first house in the United States.

Proof of Income

It is essential that you can prove stable income to obtain a mortgage, since lenders want to ensure that applicants are able to cover monthly installments and other payments associated with the purchase of a property.

Immigrants have the option of presenting documents issued inside and outside the country, but they must be translated and certified.

Employment Letters

An employment letter issued by the employer is a common way to prove income.

This document must include:

• Company name and contact details

• Applicant’s position

• Date of entry into the company

• Annual or hourly salary

• Signature and position of the issuer

Banking Account

The lender may also request bank statements from the last 3 months to verify steady income consistent with the declared salary. In addition, they evaluate the existence of overdrafts and the applicant’s savings capacity.

Funds Available for Down Payment and Closing

It is essential that you demonstrate solvency to cover the following payments.

• Down payment: ranges from 3% to 20% of the property value, depending on the type of loan

• Closing costs: notary fees, insurance, and loan fees

7 Steps to Buy a House in the United States

Step 1: Research the real estate market and define where you would like to buy

Before choosing a property, research the real estate market, the average price in each area, and access to basic services in the neighborhood of your interest. States like Texas are characterized by an 18% lower cost of living than the national average and a high presence of the immigrant community.

Below we show you a comparative table of the range of housing prices in different cities, according to Zillow.

Price table

Step 2: Calculate How Much You Can Spend and Set Your Budget

It is very important that you carry out an analysis of your payment capacity, according to your income and monthly expenses.

Calculate how much money you spend per month and whether you will be able to cover the corresponding installments with the remaining money, as well as the amount you have saved at the moment.

Step 3: Choose a Real Estate Agent with Experience in International Clients

A real estate agent with experience in international clients will be of great help in streamlining the process, as they know well the special requirements as well as the most common barriers faced by immigrants. In addition, the real estate agent can help you with negotiation and with comparing housing prices.

Step 4: Request a Mortgage Pre-Approval if You Plan to Finance the Purchase

It is not mandatory to request mortgage pre-approval, although it does offer you certain benefits, such as greater solidity when presenting an offer, in addition to showing you the amount the bank could lend you.

Step 5: Visit Properties and Make a Formal Offer for the One You Are Interested In

Once you find a property ideal for your lifestyle, your real estate agent must prepare a formal written offer, which can be accepted, rejected, or renegotiated by the owner.

Generally, a guarantee deposit is delivered to endorse the purchase commitment.

Step 6: Carry Out the Inspection and Professional Appraisal of the Property

The inspection is vital to detect structural problems that affect the value of the house and to carry out the official appraisal that will be confirmed by the bank.

Step 7: Sign the Documents and Make the Final Payment at Closing

On the long-awaited closing day, you must sign a series of documents and carry out the following procedures:

• Mortgage signing, if applicable

• Signing of the property transfer

• Transfer of down payment and closing costs

• Registration of deeds in your name

Welcome to your new home!

Discover How Much It Costs to Buy a House in the United States

One of the most common mistakes of first-time buyers is calculating long-term payments based on the listed price, without considering the additional costs of the U.S. real estate market, such as:

Additional Costs to Consider

• Property taxes

• Home insurance

• Closing costs

Practical Tips for a Safe Purchase

Buying a house is a very important decision, which is why we recommend taking the necessary time to research and review all the details of the transaction.

In addition, it is advisable to have a banking account with real-time notifications and support in your language. This will help you better manage your finances and verify your income.

Común Helps You Prepare to Buy Your House in the United States

As you can see, buying a home in the United States is completely viable for immigrants, as long as they have the correct information, the support of experienced professionals, and proper financial planning.

Opening a banking account brings you closer to fulfilling the American dream, since it allows you to safely receive your salary and verify your income in the country.

Open your account today at Común with a qualifying official ID from your country of origin, organize your finances, and take the first step toward your new home.

The popularity of digital personal finance applications continues to grow among users in the United States. According to recent data, 8 out of 10 Americans have embraced the digital economy by using financial applications for purchases, digital payments, online banking, and more.

Cash App is one effective alternative to facilitate personal finance management. In 2024, it recorded 57 million monthly active users and $16.2 billion in earnings.

If you're curious to know what Cash App is, how it works, all its benefits, and its associated fees, below we provide all the details so you can decide whether it is the best option to meet your needs.

What Is Cash App and What Is It Used For?

Cash App is an alternative to traditional banking that operates through a mobile financial services application. Its functionality is highly versatile, as it not only allows users to send and receive money but also to make purchases and receive direct deposits from payroll.

The application was developed by Block Inc. (formerly Square Inc.) and aims to offer a comprehensive and more accessible service through digital solutions.

To open an account on Cash App, you must meet certain requirements, such as having a Social Security Number (SSN) and a U.S. bank account.

Cash App: How It Works, What Features It Offers, and What Fees It Charges

Cash App is available through its official mobile application, in which you must complete the registration and verification process to access all available features. Once completed, you may link a bank account if needed.

You will also have a Cash Tag: a unique username that allows you to send and receive money easily.

The following are the main features offered by the Cash App application:

Sending and Receiving Money

Cash App allows instant transfers between users of the application free of charge (free instant transfers; standard network fees may still apply).

Cash Card

This is a free debit card linked to your balance. It allows you to make online and in-store purchases and withdraw cash from ATMs.

QR Code

Pay directly in physical stores using a QR code.

Cash App Pay

A payment method that allows users to complete transactions in online stores and directly through the application.

Cash Boosts

You can obtain discounts at selected physical and online establishments.

Fees for Using Cash App

Although many of Cash App’s features are free, such as account maintenance, use of the Cash Card, and transfers between Cash App accounts. Below is a table with some of the main fees and charges associated with the aforementioned features:
‍

‍
Cash App registration requirements

If you want to use Cash App to control your finances, make sure you meet the following requirements:

Have a U.S. phone number

You can also use an email to verify your identity.

Reside in the United States or England

Cash App is only available in the United States and the United Kingdom. The application and information are available in English only.

Have a bank account

It is recommended if you want to have access to all the functions of the application.

Do the identity verification

This will allow you to access features such as sending or receiving more than 1,000 USD over 30 calendar days and applying for the Cash Card.

But remember that to perform identity verification you need:

• Full name
• Birthdate
• Social Security Number (SSN)

How secure is Cash App? : 9 important considerations

The issue of security is one of the most relevant in relation to financial services applications. You should always verify that your provider has the necessary measures in place to keep your assets and personal data safe.

For its part, Cash App has the following security measures, among others:

Multifactor authentication

Cash App requests identity authentication via email or SMS. In addition, it allows you to activate a PIN or biometry to log in.

End-to-end encryption

Your personal data stored in Cash App is secure through TLS/E2E.

System for the detection and prevention of illegal activities

Cash App has implemented technologies trained to detect unusual behavior and prevent fraud, such as machine learning and algorithms.

Subsequent payment monitoring

The application has an additional monitoring system to do a double check and detect unusual activities.

Although the above features offer some certainty regarding the application's security measures, it's always important to take into account some considerations:

Turn off automatic login

To prevent an outsider from accessing your account without your authorization, avoid using automatic login. Instead, use strong, unique passwords and enable 2-step authentication.

Beware of fraud

Stay alert to scams, either by phone or email. Never give out personal information or passwords through these means. If you need to contact application support, do so through official means.

Keep active alerts

Cash App allows you to receive alerts for your transactions directly on your cell phone. Make sure to keep them active.

Verify data before making transfers

Send money only to people you know and verify their information before confirming the operation, since once the money has been sent, it is not possible to recover it.

Activate the PIN to carry out transactions

You have the option of activating the PIN or biometric data to confirm your transfers before doing them, and avoid the use of your application by third parties in case of theft or loss.

Are you looking for more than just a payment app? Comun is your financial ally in the U.S. UU.

There is no doubt that Cash App is a popular alternative among those looking for a fairly comprehensive and easy-to-use financial solution.

But if you are looking for a financial ally that offers a simple and secure experience, with customer service and a platform also available in Spanish, we present Comun.

Comun goes beyond traditional limitations, so that immigrant communities in the United States have access to quality financial services, without complications. With Comun you can:

• Receive and send money conveniently, without complications and without the need for a traditional bank account.
• Open your Comun account with the qualified Official Identification of your country of origin.
• Get a simple mobile application for hassle-free daily international money transfers.

Open your Comun account today and breaks down the barriers of traditional financial services, language and cultural ones.

FAQs

If you still have questions about what Cash App is for and its features, check out our frequently asked questions.

What are Cash Boosts in Cash App?

These are instant discounts available on the Cash Card. To activate them, enter the mobile application and select “Cash Card”, followed by “Add Boost” and “Save Boost”. Select the discount you are interested in and it will be applied when you pay with your debit card.

What happens if I receive a lot of money through Cash App?

Some necessary checks may be activated starting at $1000.

How much is the maximum that can be sent via Cash App?

1000 USD over 30 calendar days for unverified users; if you verify your user, you can increase this limit to 20,000 USD.

What is Cashtag in the Cash App?

This is a unique username that is used so that other users of the application can send you money. It starts with the $ symbol followed by an identifier.

‍