The total cost may depend on three main factors: the transfer fee, the exchange rate used to convert USD to Guatemalan quetzales (GTQ), and any charges applied when the recipient receives the money. The total cost can vary from one transfer to another, depending on the provider and delivery method.

For many Guatemalans living in the United States, sending money back home is important. Some people support their families by covering everyday expenses or helping during emergencies. According to the World Bank, Guatemala is the second-largest recipient of remittances in the Latin America and Caribbean region, after Mexico. Remittances play a vital role in supporting rural communities in Guatemala, which receive over half of total flows.

Today, there are many ways to send money to Guatemala from the United States, including banks, cash pickup services, and apps and digital platforms. Comparing costs, delivery times, and exchange rates before sending can help your family receive more money overall.

How much money can you send to Guatemala?

The amount you can send to Guatemala may depend on the provider you choose, your account verification level, and the payment method used for the transfer.

In general, there is no single universal limit imposed on personal remittances from the United States. However, money transfer companies and financial institutions usually apply their own transfer limits as part of fraud prevention and regulatory compliance requirements.

For example:

• Some providers may limit new accounts to smaller daily or monthly transfers.
• Verified users may qualify for higher transfer limits.
• Cash-based transfers sometimes have different limits than bank transfers.
• Certain services may request additional identification for larger transactions.

Before sending money, it is recommended to review the provider’s limits, accepted identification documents, and delivery methods available in Guatemala.

What determines the real cost of sending money to Guatemala?

The real cost of sending money to Guatemala may depend on three main factors:

Transfer fee

The transfer fee is the amount charged to process the remittance.

Some services use a flat fee structure, while others may adjust the pricing depending on the amount sent, payment method, or delivery speed. Some service providers may also offer promotional pricing for first-time transfers.

Although low fees can help reduce costs, they may not always represent the lowest total transfer cost once exchange rates and other charges are considered.

Exchange rate spread (USD to GTQ)

Another important factor is the exchange rate used to convert U.S. dollars into Guatemalan quetzales.

Some providers may apply a margin (also known as a spread) on top of the market exchange rate. Even small differences in the USD to GTQ conversion rate can affect how many quetzales your family receives, especially on larger transfers.

Comparing the final amount received in GTQ may provide a more accurate picture of the total transfer cost.

Recipient charges or withdrawal costs

In some cases, the recipient may face additional costs when receiving the money. These depend on the provider and delivery method.

There could be charges related to ATM withdrawals, cash pickup locations, bank processing, or currency conversion. These costs may vary depending on the institution or pickup network used in Guatemala.

What is the best way to send money to Guatemala from the United States?

The best way depends on your context and priorities. Today, there are many ways to send money to Guatemala from the United States, with different service providers offering features such as faster delivery times, multiple delivery methods, or lower overall transfer costs depending on the type of transaction.

Traditional banks

Some people choose to send money through traditional bank wire transfers. This option is available for people who already use a U.S. bank account.

However, international bank transfers can sometimes involve higher fees, slower processing times, special considerations such as banks in the U.S. generally being closed for federal holidays or additional requirements such as SWIFT codes and recipient banking information.

Cash transfer agencies

Cash pickup services continue to play an important role for many families in Guatemala, especially for recipients who primarily manage their finances in cash or who may not have easy access to traditional banking services.

Companies such as Western Union, MoneyGram, and Ria Money Transfer can offer extensive pickup networks across Guatemala through local banks, convenience stores, supermarkets, and remittance partners.

This option can be convenient for recipients who prefer immediate access to cash, although some traditional cash transfer services may involve higher fees or exchange rates that are less favorable compared to other options.

Digital apps and platforms

Another option is using apps and digital platforms specialized in international transfers.

Services such as Común, Félix Pago, Ria Money Transfer, and MoneyGram offer options to send money directly from your phone, either through an app or even WhatsApp. These services often include multiple delivery options available in Guatemala.

While some of these service providers focus mainly on remittances, others may also include features such as debit cards, mobile banking access, or account management tools. For example, Común (https://www.comun.app) offers a debit card that accepts more than 100 Latin American IDs for account verification, it also offers the option to send money on the app or using WhatsApp, and offers cash pickup options in Guatemala.

Comparing services for sending money to Guatemala

There are services available for sending money to Guatemala, but the fees, exchange rates, transfer speeds, and delivery methods can vary depending on the provider and transfer type. This table was created to provide a visual aid for comparing 5 popular remittance service providers in the United States to Guatemala.

The total amount received in GTQ is subject to change throughout the day due to exchange rate fluctuations, provider fees, and delivery methods.

To compare real-time transfer costs and exchange rates, you can use tools such as Común Compara (https://www.comun.app/compara) designed to help you have more clarity on remittance costs. If applicable, you may see a "Primer envío" toggle that reflects promotional pricing for eligible first transfers.

How does the recipient receive money in Guatemala?

It depends on the provider selected, as recipients in Guatemala can receive money through different delivery methods.

Bank deposit

Some service providers offer direct deposits into Guatemalan bank accounts in quetzales. The delivery speed can vary depending on the receiving bank and transfer verification process.

Cash pickup

Depending on the provider and the recipient's location, they can collect money from local banks, remittance agencies, supermarkets, or retail stores.

To receive the money, recipients often require a valid identification document and the transfer reference number.

Delivery times

Transfer times can vary depending on the provider, payment method, verification requirements, holidays, and delivery option selected.

Some digital transfers can arrive within minutes, while bank transfers or certain cash pickup options could take longer.

How can I send money to Guatemala with Común?

With Común, people can send money to Guatemala directly from the mobile app. To send money, you can follow the steps:

• Open your Común mobile app.
• Select "Send a Remittance."
• Choose or register the recipient.
• Enter the recipient's information, including bank details if needed.
• After registering the recipient, enter the amount you want to send.
• Review the exchange rate, transfer fee, and delivery method.
• Confirm the transaction.
• You can check the transfer status in your Común mobile app by clicking on the transaction.

Transfer fees start at 2.99 USD per transaction, up to applicable limits.

Why choose Común to send money to Guatemala?

Común’s vision is to become the leading financial platform for immigrants in the U.S. Therefore, it can include elements that are helpful for people sending money to Guatemala from the United States.

Some of the services include:

• Acceptance of more than 100 Latin American IDs for verification.
• Spanish-language app experience.
• Ability to send money directly from the app or WhatsApp.
• Multiple delivery methods available in Guatemala.

As with any financial service, transfer costs, delivery speeds, and availability may vary depending on the transaction details. You can learn more about Común on our website (https://www.comun.app/about-us) or in the app (https://www.comun.app/).

FAQ

How much does it cost to send money to Guatemala?

The total cost may depend on the provider, transfer fee, exchange rate, delivery method, and whether the recipient faces additional charges.

How long does it take for money to arrive in Guatemala?

Transfer times can vary depending on the provider and delivery method selected. Some digital transfers may arrive within minutes, while others could take several business days.

What is the best app to send money to Guatemala?

The best app may depend on what matters most to you, whether that's lower fees, exchange rates, delivery speed, or cash pickup availability.

Do I need an SSN to send money to Guatemala?

Some providers may require an SSN, while others may also accept an ITIN or alternative identification documents depending on their verification policies. It is important to check each service provider’s verification requirements.

How much money can you send to Guatemala from the United States?

Transfer limits may vary depending on the provider, payment method, and verification level.

Where can my family receive money in Guatemala?

Depending on the provider, recipients may receive money through bank deposits, cash pickup locations, mobile wallets, or other delivery methods available in Guatemala.

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For immigrants in the United States, finding a legal way to remain in the country indefinitely can be a long and confusing process. That’s why it’s important to know all the alternatives to help pave the way toward lawful permanent residence.

Getting a sponsor is a path that can help you regularize your immigration status in the United States. A sponsor is a person who assumes legal and financial responsibility for someone who is in the process of regularizing their documents in the country.

Below, we explain in detail what a sponsor is, the income table to sponsor a family member in 2025, and all the forms and documents needed to formalize this process.

What does it mean to be a sponsor in the United States?

In simple terms, a sponsor is a person who takes on legal and financial sponsorship of someone who is in the process of obtaining an immigrant visa or a Green Card.

It’s a measure by which the U.S. Government, through USCIS, ensures the sponsored person will not become a public charge, since sponsorship entails the sponsor’s financial and legal responsibility.

During this process, some terms can be confused and are worth clarifying—namely sponsor and petitioner.

• Petitioner: the person who files the initial application with USCIS.

• Sponsor: the person who provides financial and legal support for the immigrant. If the petitioner doesn’t meet the requirements, a joint sponsor can be added.

On the other hand, there are two relevant forms you should know during this process.

• Form I-864 (Affidavit of Support):

This form is generally used for permanent resident visas, employment-based visas, or family-based Green Cards for immediate relatives.

• Form I-134 (Declaration of Financial Support):

This form is required for temporary or nonimmigrant visas—for example, a tourist or fiancé(e) visa.

4 requirements to be a sponsor in the U.S.

These are the requirements your sponsor must meet to proceed:

• Be a U.S. citizen or lawful permanent resident.

• Be at least 18 years old.

• Live in the United States (have a domicile there).

• Meet the minimum income requirements.

Regarding income requirements, sponsors must meet the minimums set by the Department of Health and Human Services (HHS), which requires household income above 125% of the federal poverty guideline.

Household size includes the sponsor, their spouse, dependent children, and the sponsored immigrant.

Below is a comparative table with the minimum figures by household size.

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If the sponsor does not meet these minimum incomes, you can turn to a joint sponsor or a household member.

It’s also important to consider some special cases.

• Sponsors with TPS (Temporary Protected Status): cannot be sponsors because they are not permanent residents.

• Humanitarian parole: not eligible to be sponsors unless they obtain permanent residence.

• Armed Forces: U.S. citizens serving in the Armed Forces have more flexible income minimums to sponsor immediate relatives.

What are a sponsor’s responsibilities and how long do they last?

To formalize sponsorship, the sponsor must sign an affidavit committing to provide legal and financial support.

Sponsor’s legal obligations

By signing the affidavit of support, the sponsor commits to providing the financial resources necessary so the sponsored person does not become a public charge.

If the immigrant receives public assistance, such as Medicaid, the U.S. Government may require the sponsor to reimburse those funds.

Duration of sponsorship

Sponsorship has no fixed duration, but it can end when:

• The immigrant adjusts status and obtains permanent residence.

• The immigrant accrues 40 quarters of work and proves it to Social Security.

• The immigrant permanently leaves the country.

Cases where sponsorship does not end

In marriage-based sponsorship, divorce does not terminate the sponsor’s obligations. The same applies if the parties stop living in the same household.

5 documents and forms you need to be a sponsor

Finally, it’s essential to know the documents needed to formalize sponsorship and to assess your sponsor’s eligibility.

Form I-864 or I-134, as applicable

This form serves as an affidavit in which the sponsor commits to meeting their economic and legal obligations to the sponsored person.

There is no fee to file these forms. Unless filed from outside the U.S. through the National Visa Center, in which case Form I-864 costs $120.

Proof of citizenship or permanent residence

The sponsor must present documents proving U.S. citizenship or lawful permanent residence—for example, a passport, Green Card copy, or naturalization certificate.

Tax returns or proof of income

You must provide the most recent annual tax return (Form 1040) and proof of income.

Employer letter, if needed

An employer letter may also be required to confirm the sponsor’s position, salary, and length of employment.

Proof of U.S. domicile

The sponsor must show a U.S. domicile and residence there. Deeds or utility bills can serve as proof.

Organize your finances in the U.S. with Común

Throughout this article, we reviewed in detail what a sponsor is—a person who assumes legal and financial responsibility for an immigrant—as well as the minimum income table and required documents.

Even with a sponsor’s support, it’s important to continue legalizing your situation in the country and to obtain steady work and income.

To that end, it’s vital to manage money well and have fair financial services suited to you.

Discover all the benefits of Común, the financial platform created for immigrants!

• Open your account with qualifying official ID from your country of origin.

• Use the mobile app available in Spanish, transparent and easy to understand.

• Send remittances to LATAM countries with clear and competitive fees.

Open your Común account today and organize your personal finances with clarity and security.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

Can I be a sponsor if I don’t have sufficient income?

If your income does not reach 125% of the Poverty Guidelines, you can look for a joint sponsor who must meet the same requirements—per the Federal Poverty Guidelines published annually by the Department of Health and Human Services (HHS).

What happens if the immigrant receives public benefits?

The primary sponsor and joint sponsor are responsible for reimbursing the Government for any public assistance the sponsored immigrant receives.

Money transfer scams in 2026: how to identify and avoid them

Money transfer scams continue to affect thousands of families across the United States, especially immigrant communities that regularly send money to loved ones abroad. In recent years, scammers have become more sophisticated, using fake banking apps, social media impersonation, AI-generated voices, and emotional manipulation to steal money and personal information.

According to recent data from the Federal Trade Commission (FTC), consumers reported losing $15.9 billion to fraud in 2025, with impersonation scams remaining the most commonly reported types of fraud.

For Latino immigrants in the U.S., these scams can feel especially stressful because they often involve urgent family situations, language barriers, or financial pressure.

What are money transfer scams?

Money transfer scams are fraudulent schemes designed to convince someone to send money or share sensitive financial information. These scams may happen through phone calls, text messages, WhatsApp, social media, fake banking apps, email phishing, or online marketplaces.

Most common scams in 2026

Bank impersonation scams:

Scammers pretend to be your bank, sending messages that look official asking if you authorized a transaction. They then call claiming to represent the bank and instruct you to transfer funds to 'reverse' fraud.

Government impersonation scams:

Someone claims to be from the IRS, Social Security, or immigration and threatens consequences if you don't pay immediately.

Marketplace scams:

Scammers on platforms like Facebook Marketplace request payment through transfers. After funds are sent, the item may never arrive.

Overpayment scams:

A scammer claims to have 'accidentally' sent money and asks for it back. Their original payment may later be reversed or prove fraudulent.

Romance/friendship scams:

Someone develops an online relationship and then asks for money for an 'emergency'.

AI-generated voice scams:

In 2026, scammers use AI to clone family members' voices and create false urgency by claiming to be in an emergency.

Red flags: how to recognize a scam

• They ask you to send money immediately or you'll 'lose' something
• They pressure you to keep the transaction secret
• The offer seems too good to be true
• They ask you to pay with hard-to-trace methods (gift cards, wire transfers, crypto)
• The phone number or email doesn't match the official one
• They unexpectedly ask you to confirm personal information

What to do if you were scammed

• Contact your financial institution immediately
• Report to the FTC at reportfraud.ftc.gov
• Save all evidence: screenshots, messages, phone numbers
• Change passwords and enable two-factor authentication

How Común protects your money

Común uses encryption and identity verification to protect transactions. If you receive a suspicious message claiming to be from Común, contact official support directly through the app or at ayuda@comun.app. Común will never ask for your password or verification code via text message.

FAQ

How do I know if a call is really from my bank?

Hang up and call the official number on the back of your card or the bank's official website. Legitimate banks will never ask you to transfer money to 'protect it'.

Can I get my money back if I was scammed?

It depends on the transfer method and how quickly you report. P2P transfers and wire transfers are difficult to reverse. Report immediately to your financial institution.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.

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How much does it cost to send money to Mexico from the United States? A 2026 guide

In most cases, the total cost depends on three factors: the transfer fee, the exchange rate, and any charges applied to the recipient of the money. The truth is that the final cost can range from a few dollars to something more significant as it is impacted by the service fee, delivery method, and speed.

Remittances have become so important to the Mexican economy that Mexico remains the world's second-largest recipient of remittances, behind only India. According to BBVA Research, Mexico received $61.8 billion USD in remittances in 2025, representing 3.4% of the country's GDP. Today, there are dozens of apps and money transfer services available for sending money from the United States to Mexico. Some focus on speed, others on cash pickup access, and some prioritize lower overall costs.

In this guide, we'll break down what actually affects the cost of a transfer, compare popular services, and explain how to find the option that works best for you and your family.

How much money can I send to Mexico?

One very important aspect to consider is the amount allowed by money transfer apps, as well as any restrictions included in their terms and conditions.

In general, there is no legal limit imposed by the United States government, but each platform has its own standards and regulations that determine transfer limits and guidelines for international money transfers.

For example, these are some of well known providers that offer money transfers to Mexico and their respective limits:

• Western Union: up to 5,000 USD per transaction.
• MoneyGram: up to 10,000 USD per transaction.
• Xoom: Level 1 is limited to $2,999 per day while the third level allows up to $50,000 per day.

If you are looking for a straightforward way to send money to Mexico, Común can be an excellent alternative. New users can enjoy the first money transfer free and then pay a fee starting at 2.99 USD per transfer, up to applicable limits.

What is the best way to send money from the United States to Mexico?

There are several ways to send money from the United States to Mexico, whether through traditional banks or specialized international money transfer services. These are the main options to do it:

Bank-to-Bank transfers

One of the most common ways to send money is through wire transfers from one traditional bank to another. The advantage of this method is that it can be secure because it is backed by official financial institutions. However, transfers can take longer and involve higher fees.

To send funds this way, you must have a U.S. bank account and use the recipient's SWIFT code.

The transfer cost depends on the receiving bank in Mexico. For example:

• BBVA charges approximately $30 USD + VAT to receive an incoming international transfer.
• Citibanamex estimates suggest around $15–20 USD + VAT for incoming transfers, but confirming directly with the bank is recommended.

These fees apply regardless of the amount sent, therefore it is important to confirm the fees with each bank.

Cash transfers

Another option, which may be more accessible for people without a bank account, is sending cash that can be picked up at different locations across Mexico.

To send cash, it is common to visit a physical location of the provider that offers this service, such as a Western Union office. Once there, you pay the amount you want to send plus the assigned fee. To collect the funds, your family members must present a valid government ID at one of the participating locations, such as Oxxo, Banco Azteca, Walmart, or others. However, many service providers such as Western Union also have digital offers.

Although this can be a convenient alternative for people who mainly manage cash, it may also come with potential drawbacks, such as fees that vary depending on the amount sent and exchange rates that might be less competitive compared to some digital transfer services.

Apps and digital platforms

Another option for sending money to Mexico is through apps and digital platforms that specialize in international money transfers, such as Wise, Félix Pago, Ria Money Transfer, and Común. Many of these services are available on both iOS and Android and may offer lower costs compared to some cash transfers or traditional bank wires, depending on the provider and delivery method. Some platforms focus mainly on money transfers, while others may also include additional financial features, such as a debit card or access to a U.S. bank account.

To access these services, you must create an account on the provider's website or app. In addition, some apps require identity verification using personal information such as your SSN (Social Security Number) or ITIN.

You can send money directly through the provider's app or, in some cases, even through WhatsApp, and choose the preferred delivery method. Some services also offer cash pickup options for recipients. For example, Común accepts more than 100 Latin American IDs for account verification, it allows you to send money through the app or via WhatsApp, and offers cash pickup options across Mexico.

Before choosing an app to send money to Mexico, we recommend comparing the most popular options and evaluating which one best fits your needs and those of your family.

Five popular mobile apps for sending money to Mexico from the United States

There are many apps available for sending money from the United States to Mexico, but costs, delivery speeds, and exchange rates can vary depending on the provider and transfer method. Comparing multiple options can help you find the service that best fits your needs.

The amount received in MXN for every 1,000 USD can change throughout the day due to fluctuations in exchange rates, provider fees, and delivery methods. The rates shown here are for illustrative purposes only and may not reflect the exact amount available at the time of your transfer. Before sending money, it may be helpful to compare the current exchange rate and total transfer cost across providers. Común's comparison tool can help you check and compare available rates in real time.

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What determines the real cost of sending money to Mexico?

When comparing money transfer services, many people focus only on the advertised transfer fee. But the real cost of sending money to Mexico usually depends on three different factors:

• The transfer fee.
• The exchange rate spread.
• Charges applied to the recipient.

Understanding these costs can help you compare services more accurately and avoid situations where your family receives less money than expected.

Transfer Fee

The transfer fee is the most visible cost. This is the amount the provider charges to process the transaction.

Some services charge a flat fee per transfer, while others adjust the fee depending on the amount sent, the payment method, or how quickly you want the money delivered. In some cases, companies may offer promotional pricing or even a free first transfer for eligible users.

Although low fees can help reduce costs, they may not always result in the lowest overall transfer cost once exchange rates and other charges are taken into account.

Exchange rate spread

The exchange rate spread is one of the most important and often least visible parts of the total cost.

Some service providers do not use the exact market exchange rate you find on Google or financial websites. Instead, they add a margin, also known as a "spread," when converting USD to MXN.

This means that even a small difference in the exchange rate can significantly reduce the amount your recipient receives in pesos, especially on larger transfers.

A service with a slightly higher transfer fee but a more competitive exchange rate may actually deliver more money to your family in Mexico.

Recipient charges or withdrawal costs

In some cases, additional costs may appear after the transfer is sent. Depending on the provider and delivery method, the recipient could face charges for cash pickup, ATM withdrawals, bank processing, or currency conversion. Some banks and pickup locations may also apply their own service fees.

These extra costs are important because they directly affect the final amount your recipient can actually use.

Compare the full cost

The best way to compare money transfer services is to look at the total outcome: how much you pay, how much your recipient receives, and how long the transfer takes.

If possible, it is recommended that before sending money, you review the transfer fee, compare the exchange rate, and check whether there are any recipient-side charges. Small differences across these three factors can add up quickly over time.

To compare real-time transfer costs, exchange rates, and delivery options, you can use tools like Común's compara before making your transfer.

How can I send money to Mexico with Común?

With Común you can send money to your family and friends in Mexico directly from Común's mobile app without leaving your home.

You can follow these steps:

• Open your Común mobile app.
• On the main page, select "Send a Remittance."
• Select the recipient you want to send the international transfer to.
• You can register a recipient using their banking details, including full name, bank name, and phone number.
• After registering the recipient, enter the amount you want to send and review the transaction costs.
• Confirm the details and select "Confirm International Transfer."
• The recipient should receive the money within minutes. If you select a store pickup, the person can collect the money about 30 minutes after confirming the transaction.
• You can check the transfer status in your Común mobile app by clicking on the transaction.

Transfer fees start at 2.99 USD per transaction, up to applicable limits.

Send money to Mexico easily and securely

Today, there are more options than ever for sending money from the United States to Mexico. Whether you prefer the familiarity of a traditional bank, the convenience of cash pickup, or the flexibility of a digital platform, the right choice will depend on your own situation.

Comparing fees, exchange rates, delivery methods, and transfer times may help you find an option that better fits your needs and the way your family prefers to receive money.

With Común you can open an account using more than 100 Latin American IDs, send money from the comfort of your phone and access multiple delivery methods across Mexico.

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1. Común: Una Cuenta Corriente¹ con una Tarjeta de Débito VISA

Una cuenta de Común viene con una tarjeta de débito VISA, que te brinda la conveniencia y seguridad de utilizar uno de los métodos de pago más aceptados a nivel mundial. Ya sea que estés comprando en línea o en una tienda física, tu tarjeta de débito VISA de Común te respalda.

2. Dinero Asegurado por la FDIC con la Garantía de Cargos No Autorizados de VISA

Tu dinero está seguro con Común. Los fondos en tu cuenta de Común están asegurados por la FDIC, lo que significa que tus depósitos están protegidos hasta $250,000 a través de Community Federal Savings Bank. Además, la garantía de VISA contra cargos no autorizados ofrece una capa adicional de seguridad, brindándote la tranquilidad de que tu dinero está protegido contra actividades fraudulentas.

3. Sin Tarifas Absurdas

Una de las características destacadas de una cuenta de Común es su estructura de tarifas: no hay tarifas absurdas. No se te cobrará una tarifa de apertura, una tarifa mensual, tarifas de saldo mínimo ni tarifas de membresía. Esto significa que más de tu dinero se queda contigo, donde pertenece, sin tarifas ocultas.

4. La Red de Depósito de Efectivo Más Grande de EE. UU.

Común cuenta con la red de depósito de efectivo más grande de los Estados Unidos. Puedes depositar efectivo en más de 88,000 ubicaciones, incluidas grandes cadenas como Walmart, Walgreens, CVS, Dollar General y 7-Eleven. Esta extensa red garantiza que puedas depositar efectivo convenientemente, sin importar dónde te encuentres.

5. Servicio al Cliente de Primera Clase

El servicio al cliente es una prioridad en Común. Tendrás acceso a un soporte de primer nivel disponible los siete días de la semana a través de chat, correo electrónico o teléfono. Ya sea que tengas preguntas o necesites ayuda, el equipo de servicio al cliente de Común está listo para ayudarte.

6. Remesas Asequibles

Enviar dinero al extranjero puede ser costoso, pero no con Común. La cuenta proporciona acceso a uno de los productos de remesas más baratos del mercado⁴, desde solo $2.99 por remesa, independientemente del país de destino o del método de recogida. Esto significa que puedes enviar dinero a tus seres queridos sin preocuparte por tarifas altas que reduzcan la cantidad que estás enviando.

7. Sácala con la documentación oficial de tu país y Tu Información Está Segura

Una de las características más inclusivas de una cuenta de Común es que puedes usar la documentación oficial de tu país para abrir una cuenta. Los solicitantes pueden aplicar con cualquier identificación oficial emitida por el gobierno, incluyendo una licencia de conducir, una credencial de elector y más².

8. Acceso Temprano a tu Cheque de Pago

Con Común, puedes acceder a tu cheque de pago hasta dos días antes sin tarifas³. Esta función puede ayudarte a gestionar tus finanzas de manera más efectiva, brindándote más flexibilidad y tranquilidad.

9. Notificaciones Instantáneas e Inicio de Sesión Seguro

Mantente informado y seguro con las notificaciones instantáneas de Común para cada transacción. Las funciones de inicio de sesión seguro, incluidas Touch ID, garantizan que solo tú tengas acceso a tu cuenta, manteniendo seguros tus fondos y tu información personal.

Una Breve Historia de las Plataformas Bancarias

Para apreciar verdaderamente los beneficios de una cuenta de Común, es útil entender cómo han evolucionado las plataformas bancarias a lo largo del tiempo.

La Evolución de la Banca

Banca Tradicional:

La banca, tal como la conocemos, comenzó con sucursales físicas donde los clientes podían gestionar sus finanzas en persona. Estos bancos ofrecían servicios esenciales como depósitos, retiros, préstamos y asesoría financiera. Los clientes tenían que visitar el banco durante el horario de atención, lo que podía ser inconveniente para muchos.

El Surgimiento de la Banca en Línea:

Internet revolucionó muchas industrias, y la banca no fue la excepción. La banca en línea surgió a finales de los años 90, permitiendo a los clientes realizar tareas bancarias básicas desde sus computadoras. Esta innovación proporcionó mayor conveniencia y accesibilidad, reduciendo la necesidad de visitar sucursales físicas.

Banca Móvil:

Con la proliferación de los teléfonos inteligentes a principios de los años 2000, la banca móvil se convirtió en el siguiente gran salto. Los bancos desarrollaron aplicaciones móviles que permitieron a los clientes gestionar sus cuentas, transferir dinero e incluso depositar cheques desde cualquier lugar y en cualquier momento. La banca móvil hizo que la gestión financiera fuera más accesible y conveniente que nunca.

Neobancos y Plataformas Solo Digitales:

La última evolución en la banca es el auge de los neobancos: plataformas solo digitales que ofrecen servicios bancarios sin sucursales físicas. Estos bancos aprovechan la tecnología para reducir los costos generales y proporcionar productos financieros innovadores y fáciles de usar. Común es un ejemplo destacado de esta nueva generación de bancos.

¿Por Qué Elegir Común?

Elegir Común significa elegir una plataforma financiera que prioriza tu bienestar financiero y seguridad. Sin tarifas innecesarias, opciones extensas de depósito de efectivo, un servicio al cliente superior y políticas inclusivas, una cuenta de Común está diseñada para satisfacer tus necesidades y superar tus expectativas. Además, el apoyo de destacadas empresas de inversión como Animo Ventures, Costanoa Ventures y FJ Labs resalta la solidez y fiabilidad del respaldo financiero de Común.

Al optar por Común, no solo obtienes una cuenta; obtienes un socio que respalda tu viaje financiero en cada paso del camino, asegurando que tus necesidades únicas sean atendidas con el mayor cuidado y atención.

Obtaining permanent residence is the goal of millions of immigrants in the United States. The EB-2 visa is one of the most feasible paths to achieve it, since it not only grants the applicant the right to work legally, but to do so within their area of professional expertise.

This type of visa is intended to facilitate immigration for people with advanced university degrees or demonstrable exceptional ability.

If you have a professional career and several years of experience, you may qualify to obtain a Green Card through the EB-2 visa and gain strong job opportunities and stability in the U.S.

Below we explain the requirements to obtain the EB-2 visa, the differences between eligibility categories, and the step-by-step process to secure the pathway that could completely change your working life.

Learn more about the EB-2 visa and why it matters

There are several categories of work visas that can lead to a Green Card. One of them is the EB-2.

There are two routes to obtain this visa:

• With an employer sponsor:

Requires a U.S. employer to file through a process called PERM Labor Certification, which demonstrates the need for a foreign worker due to an insufficient number of qualified U.S. workers.

• With a National Interest Waiver (EB-2 NIW):

Employer involvement is not required; it can be filed as a self-petition showing the work has significant impact or is in the national interest of the United States.

This visa is aimed at professionals with advanced degrees in various fields or with exceptional ability.

The main advantages of the EB-2 over other visas are:

• It puts you on a path to permanent residence.

• It does not rely on capped lotteries.

• It allows you to advance professionally with greater freedom and financial stability.

Differences among the main U.S. employment visas

Understanding immigration procedures and visa application processes can be confusing because of the different categories and specific requirements for each.

Below is a comparison table of the EB-2, EB-3, and EB-5 visas.

EB-2 | EB-3 | EB-5

Approximate processing time with sponsor: at least 12–18 months. With NIW the time may be somewhat shorter. | About 1 to 3 years. | EB-5 processing times vary widely; consult USCIS directly.

Who can apply? Professionals with an advanced degree or exceptional ability. Applicants with skills of national interest. | Skilled workers Professionals with a bachelor’s degree Other workers | Foreign investors who make a minimum investment in a U.S. business and create at least 10 jobs.

Purpose of the visa Obtain permanent residence based on professional merit. NIW allows self-petition. | Obtain permanent residence for skilled workers or professionals. | Obtain permanent residence in exchange for a significant financial investment.

Approximate costs Form I-140: $715 Form I-485 (adjustment of status): $1,440 Consular processing: $325. | Same as EB-2 | $1.8 million standard investment. $900,000 reduced investment if the project is in a TEA area. Form I-526 / I-526E: $11,160 + $100 if investing via a Regional Center.

Main requirements With sponsor: employer files PERM and then Form I-140NIW: show work of national interest. | PERM approved by DOL Employer must file Form I-140Meet additional requirements for other workers. | Proof of lawful, traceable investment in at least the minimum amount. Evidence of creation or preservation of at least 10 jobs. Enter as a conditional resident. File Form I-829 to remove conditions.

What are the requirements to obtain the EB-2 visa?

It’s important to stress that applicants must meet specific requirements to obtain the EB-2 visa in any of its modalities.

These are requirements you cannot overlook:

Requirements via advanced academic degree

Holding an advanced degree is the most common way to obtain an EB-2 visa.

• An advanced degree is considered a master’s, doctorate, or post-doctoral degree.

• A person with a bachelor’s degree may apply, as long as they can show at least 5 years of experience.

Requirements via exceptional ability

Another alternative is to demonstrate exceptional ability in fields such as the arts, sciences, business, or others.

This means reaching a level of expertise significantly above ordinary. It must be shown with at least 3 types of documentary evidence:

• Recognitions: achievements, distinctions, and awards received.

• Work record: employer letters and proof of years of work experience.

• Memberships: belonging to associations that require meeting professional standards and merits.

National Interest Waiver (NIW)

Allows applying without a sponsor or labor certification.

These are the 3 criteria for the EB-2 NIW, according to USCIS:

• The endeavor has substantial merit.

• It has national importance for the United States.

• The applicant is well positioned to advance it.

This visa is widely used by researchers, physicians, businesspeople, and entrepreneurs who can contribute significantly to U.S. society.

How to apply for the EB-2 visa

Below are the key steps to obtain the EB-2 visa.

Determine eligibility

First, determine which subcategory fits your profile—advanced degree, exceptional ability, or NIW. Assess your background and each category’s characteristics to decide where to apply.

File the initial petition

Generally, you will file Form I-140, which the employer or the applicant (in the case of NIW) uses to start the visa process.

Adjustment of status or consular processing

For adjustment of status, file Form I-485 if the applicant is in the U.S. Otherwise, proceed via consular processing with the DS-260.

Interview and final decision

USCIS or the consulate will likely require an interview to verify your information and ask questions related to your profile. Once approved, the applicant ultimately obtains lawful permanent residence.

Once in the United States, open your account with Común

In this article, we reviewed what the EB-2 visa is, the requirements to apply, the sponsorship or NIW options, and the key steps in the process.

Although it may seem confusing or endless, it is also a step toward living and working legally in the U.S. and obtaining a residence card.

To start from scratch in a new country, you need allies who understand you.

Común is the financial platform built for immigrants newly arriving in the U.S. who want to manage their money safely. Send money from the United States to Latin America with clear, affordable fees. Your family can receive it directly in bank accounts or pick it up at selected physical locations.

Opening your account is very easy! The mobile app is available in Spanish and English. Comun accepts over 100 qualifying foreign government IDs, and was designed with you in mind.

Frequently Asked Questions (FAQ)

If you still have questions, see this section:

Can I include my family in the application?

If your petition is approved, you can include your spouse and unmarried children under 21.

How much does it cost to apply for the EB-2?

• I-140 (Immigrant Petition): $715.

• I-485: $1,440.

• USCIS Immigrant Fee (for Green Card issuance): $235.

What if my visa is denied?

You can file an appeal or start a new application.

The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.

This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.

In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.

What is a bank routing number (ABA), and why is it essential in the U.S. banking system?

An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.

It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.

The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.

It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.

In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.

Here are some crucial functions of the bank routing number in digital transactions.

Unique bank identification

The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.

Facilitates electronic transfers

This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.

Key for direct deposits

The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.

Automated bill payments

To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.

Handling funds between banks

This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.

How to find a bank routing code and your bank account number

By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.

Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.

The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.

To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.

It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.

Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.

These are the most common places to find the routing number for your bank or financial institution.

On your checks

Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.

Mobile application

Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.

Bank statements

Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.

Direct contact with your bank

If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.

Your routing number and account: Key tools for your finances in the U.S. with Comun

Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.

Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.

The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.

• Receive and send money easily from your mobile application
• Integrate other applications and enhance your experience
• Access support available in Spanish and English
• Send international remittances with fees starting at $2.99 USD, up to the applicable limits.
• Get started with official ID from your country

Open your account today and discover an ally to manage your finances in the United States.

Frequently Asked Questions

If you have more questions, check our frequently asked questions section.

Where can I find my routing number if I don’t have checks?

You can find it on your account statement or by calling the bank directly.

What is the routing number for ACH transfers?

It is the code that identifies each bank and consists of 9 digits.

Is the routing number the same for all banks?

No. Each bank has a different routing number.

What is the routing number on a card?

The routing number does not appear on physical cards.

What is the routing number on a check?

It is found at the bottom of a check and consists of 9 digits.

Having a bank account is an essential step for people arriving to work in the United States, since it makes it easier for them to manage their salaries and adapt to the country’s financial system.

This can be a complicated process, since in the United States there is a wide variety of financial institutions, such as traditional banks with hundreds of branches, digital banks, and credit unions.

Among the most well-known are Bank of America, Capital One, and Wells Fargo, which enjoy significant recognition in the country. However, it is not possible to name one as the best: this depends on the specific needs of users.

For example, immigrants in the United States look to prioritize ease of account opening, as well as the ability to send remittances to their loved ones.

In this article, we will explain which are the best banks in the U.S., their features, requirements, and everything you need to know before opening an account.

The 6 Best Banks in the United States in 2025

Below, we present a comparative table of the best banks in the U.S.

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How to Choose the Best Bank to Open an Account

If you are about to start your financial life in the United States, choosing a bank where you open an account is a very important decision. Each has its own requirements and benefits, so you should look for the one that best fits your expectations.

These are the most relevant criteria you should analyze before choosing the best option for you.

Accepted Identification

Many banks request the SSN (Social Security Number) to process a bank account, while others accept alternatives such as the ITIN or a passport.

Support and Availability

Although some banks do offer support in other language, like Spanish, not all of them do. Verify that the institution you choose can clearly answer your questions.

Cash Deposits and Withdrawals

If you frequently receive cash payments, it is important that your bank allows you to make cash deposits at branches near you and without fees.

Transfers and Remittances

Sending remittances is a crucial issue for immigrants, so you should review the fees for international money transfers. These are often more expensive in traditional banks due to intermediaries and exchange rates.

Digital Security

Verify that the bank has security measures in digital banking, as well as backing from official institutions such as the FDIC.

5 Digital Finance Platforms in the United States

Beyond traditional banks, you can also turn to digital alternatives, which tend to be more accessible.

Digital banks or financial platforms are institutions that operate online through mobile apps and websites. They do not depend on physical branches and tend to make processes easier in favor of financial inclusion.

There are financial platforms focused on meeting the needs of immigrants in the United States, as they address gaps and obstacles of traditional banks with flexible account-opening requirements, accessible fees for remittance sending, and ease of depositing cash.

Común

Advantages: focused on the needs of immigrants, support available in Spanish, and has accessible account-opening requirements.

Disadvantages: it does not have physical branches or an ATM network, but you will always be able to access your digital money from the palm of your hand, without time restrictions; you can also withdraw and make cash deposits at thousands of locations in the United States.

Ally

Advantages: 100% digital bank with High Interest Rates (APY) on savings accounts.

Disadvantages: it is not possible to make direct deposits.

Axos

Advantages: offers various types of accounts and attainable options for students and immigrants.

Disadvantages: limited support in Spanish.

Chime

Advantages: offers accounts with no monthly fees, ATM network, and payroll advance.

Disadvantages: difficulty in making cash deposits.

Discover

Advantages: offers credit cards with rewards, checking and savings accounts without monthly fees.

Disadvantages: few cash deposit options, and it is not focused on the needs of immigrant communities.

Común: A financial platform for immigrants in the U.S.

As you can see, there is a variety of financial institutions you can turn to, and access to a full range of services such as cash deposits, transfers, financial management, etc.

That is why you must be clear about what you are looking for in a U.S. bank account and how you could meet your needs.

Most traditional banks tend to have stricter requirements and higher operating costs. For this reason, many immigrants consider digital financial platforms as an alternative, since they are often more accessible and designed with services that address their needs.

Común is a fintech platform that can support you in starting your financial journey in the United States, offering benefits such as:

• Open your account with the qualified official identification from your country of origin

• Forget about hidden fees and minimum balances 

• Send money to your loved ones in Latin America for a fee starting at $2.99 USD (up to the applicable limits)

• Access a network of more than 88,000 locations for cash deposits and withdrawals

• Access Spanish-language support available 24 hours a day

• Get a Visa debit card

• Manage your finances from a comprehensive and easy-to-use mobile app

Open your account today and start sending money through Común’s mobile app.

Frequently Asked Questions

If you have more questions, check our FAQ section.

Which is the safest bank in the U.S.?

FDIC insurance is relevant to determine if a bank is safe. Traditional banks have this backing, as do digital banks like Revolut (through Sutton Bank) and fintech platforms such as Común.

Which bank charges fewer monthly fees for a bank account?

Many digital banks and fintech platforms, including Común, often offer competitive rates. This can be due to lower operating costs, since they do not maintain physical branches. However, fees and account features vary by provider.

Which banks offer Zelle in Mexico? What you need to know in 2026

Zelle does not send money directly to Mexico. Zelle only works between eligible U.S. bank accounts and credit unions within the United States.

If you are looking into different methods for sending money to your family in Mexico, you may be searching for 'which banks offer Zelle in Mexico' or trying to understand if Zelle works internationally. This is a common misunderstanding for immigrant families in the U.S. No Mexican bank officially offers Zelle for receiving transfers from the U.S., and Zelle itself is not designed for international money transfers or currency conversion.

What is Zelle and how does it work?

Zelle is a digital payment service that facilitates peer-to-peer transfers at select partner banks in the United States. It is known for its speed, with transfers appearing in minutes, and for its extensive coverage across the U.S. Some U.S. financial institutions that support Zelle include Bank of America, Chase, Wells Fargo, Citi, PNC, and many more.

Why doesn't Zelle work for sending money to Mexico?

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

Alternatives for sending money to Mexico from the U.S. (2026 comparison)

Fees, exchange rates, and delivery times vary based on transfer amount, destination, funding method, and payout option. In 2026, a 1% federal excise tax applies to cash-funded transfers. Bank, debit, and credit card transfers are exempt.

How the new 1% tax on cash remittances affects transfers to Mexico

Starting in 2026, a 1% federal tax applies to certain remittance transfers. The tax applies when you pay with cash, money order, or cashier's check. Transfers funded from a U.S. bank account or with a U.S.-issued debit or credit card are exempt by law.

FAQ

Does Zelle work in Mexico?

No. Zelle does not support international transfers. There is no Mexican bank that offers Zelle for receiving money from the U.S.

What is the best app to send money to Mexico?

It depends on your specific situation. Común offers transfers starting at $2.99 with transparent pricing. Visit comun.app/remittances to learn more.

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.

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Looking for an effective way to save money in the United States? For immigrants, opening a bank account is an essential step to adapt to the country’s pace of life and to access various everyday financial services, such as receiving payments, sending money, and saving.

For the latter, there are savings accounts which, unlike checking accounts, are a tool to safeguard money in a secure place and grow it through an interest rate or Annual Percentage Yield (“APY”).

More than a list of savings account options in the United States, below we present a practical, comprehensive guide so you can learn to compare key factors such as which banks pay higher interest in the USA, fees, and FDIC backing for greater security.

Best savings accounts in the United States in 2025

One of the qualities of the U.S. financial system is that it includes a large number of institutions offering savings accounts with different advantages and features.

Below, we list some of the high-yield savings accounts in 2025. Please check each bank for the most up-to-date information.

Key factors for choosing a savings account in the United States

Before choosing a savings account, it is very important to compare alternatives at traditional banks, such as Bank of America and Wells Fargo, and digital banks, such as Ally Bank and Capital One.

Annual Percentage Yield (APY)

APY (Annual Percentage Yield) indicates the annual return on your money. This percentage varies depending on the type of financial institution and the type of account.

For example, at traditional banks the APY may be under 1%, while on digital  high-yield savings account options, you can obtain a return above 4%, under certain conditions.

Minimum deposits and balance requirements

Although many digital and hybrid banks do not require initial deposits, traditional banks often do. For example, U.S. Bank requires a minimum deposit of $25 USD to open an account.

Fees and hidden charges

Banks also frequently charge monthly maintenance fees, which can affect the return on your savings.

For example, Wells Fargo requires a minimum balance of $300 USD per month to avoid a $5 USD monthly fee.

Security: FDIC insurance

It is essential to verify that the bank you choose is a member of the FDIC (Federal Deposit Insurance Corporation), because this institution insures deposits up to $250,000 USD per depositor, per insured bank, for each account ownership category in the event of bank failure.

Access and ease of use

It is also very important to assess how easy it is to access the services of the institutions you consider. For example, whether they have mobile banking, access to ATM networks, the ability to make transfers and withdraw money, as well as the account-opening requirements requested for immigrants.

Types of savings accounts in the United States

In the United States there are several types of bank accounts to cover profiles with different expectations and lifestyles. It is essential to understand the particularities of each one so you can choose the most suitable option according to your needs.

These are the main bank account types in the U.S.

Traditional savings accounts

These are savings accounts offered by both traditional and digital banks to keep money with moderate interest rates.

Advantages

• It is possible to make direct deposits and withdraw money.

• Most do not require a minimum opening deposit.

Disadvantages

• Lower interest rates than high-yield options.

• Because of this, your money may lose value against inflation.

• Limited additional benefits compared with other options.

High-yield savings accounts (High-Yield Savings Account)

These are savings accounts distinguished by offering a considerably higher APY than traditional options.

Advantages

• Greater growth of your money, especially in the long term.

• Unlike Certificates of Deposit, these accounts allow you to withdraw money without penalties in most cases.

Disadvantages

• Sometimes it is necessary to maintain a minimum balance to access the highest APY.

• Rates vary over time.

• Not all institutions have physical branches.

Money Market Accounts

These are deposit accounts that combine some features of checking and savings accounts.

Advantages

• They provide greater flexibility and allow the use of checks and debit cards.

• They offer notable interest rates, especially for accounts with high balances.

Disadvantages

• They may require higher minimum balances to open an account or avoid monthly fees.

• Variable interest rates.

• Limits on withdrawals and money transfers at some banks.

Certificates of Deposit (CDs)

These are fixed-term investment instruments starting at 3 months, with a fixed interest rate.

Advantages

• Higher interest rates than regular savings accounts.

• Guaranteed return if you do not withdraw the money.

Disadvantages

• If you need to withdraw your money early, you will have to pay a penalty.

• Generally, you will need to invest a large amount of money to reach a good rate of return.

Tips to get the most out of your savings account

If you really want to see a positive impact on your personal finances, opening a bank account is not enough. You need to learn to use it strategically to see real results.

Follow these simple tips and maximize the potential of your savings account.

• Automate minimum monthly deposits to build discipline.

• Set clear savings goals to build an emergency fund.

• Do not use your savings account for daily expenses; try to have a separate account that allows you to carry out daily transactions easily.

• Look for banks that offer a debit card or integration with international transfers so you can send money to your country of origin without complications.

Manage and grow your money in the U.S. with Común

Throughout this article you learned what a savings account is, the key aspects for comparing and choosing your preferred option—APY, minimum deposit, fees, and FDIC protection—as well as tips to make the most of them and promote financial education.

Común is the financial option designed for immigrants who want to handle their money with clarity and confidence.

Discover why Común is an option designed for your needs:

• Open your checking account with qualifying official identification from your country of origin.

• Get a debit card for daily expenses.

• Send remittances easily to Mexico and other LATAM countries.

• Save and organize your money easily.

Open your account with Común today and start organizing your money safely and simply. Take the next step toward more stable finances in the United States!

Frequently Asked Questions (FAQ)

What is the minimum deposit to open a savings account?

It depends on the bank. Some do not require a minimum deposit, while traditional institutions usually request around $25 USD.

Do all savings accounts have FDIC insurance?

All accounts at FDIC-insured banks have insurance. Exceptions are fintechs that act as intermediaries.

Can a person without a Social Security Number open a savings account in the U.S.?

Many banks accept an ITIN instead of an SSN or, in some cases, a passport or official foreign ID. Please check with the corresponding bank for their identification requirements for opening an account.

CR1 spouse visa: complete guide for immigrants marrying a U.S. citizen

Getting married is a major milestone. When one spouse is a U.S. citizen and the other lives abroad, the immigration process can feel overwhelming, especially when you start seeing terms like IR1 visa, CR1 visa, Form I-130, NVC, and consular interview.

Whether your spouse is waiting in Mexico, Colombia, or another country in Latin America, understanding the process can help you reduce stress and prepare for each stage.

This guide explains the IR1 visa and CR1 visa process in plain language, including timelines, costs, required documents, and what to expect during the consular interview.

The guide is for informational purposes only and does not constitute legal advice.

What is the IR1 / CR1 spouse visa?

The IR1 and CR1 visas are both immigrant visas available to spouses of U.S. citizens, allowing them to enter the United States as lawful permanent residents. The key difference between them lies in the length of the marriage at the time of visa issuance. In both cases, permanent resident status begins upon entry into the U.S., and the physical green card is mailed to the holder shortly after arrival.

Who qualifies?

Generally, you may qualify if:

• You are legally married to a U.S. citizen
• The marriage is genuine and not solely for immigration purposes
• The U.S. citizen spouse files Form I-130 with USCIS
• Both spouses meet the documentation and eligibility requirements established by USCIS and the U.S. Department of State
• The U.S. citizen spouse must also generally demonstrate financial ability to support the immigrant spouse (Form I-864, Affidavit of Support), meeting at least 125% of the federal poverty guidelines
• The foreign spouse must not be inadmissible to the U.S. (e.g., due to certain criminal history, prior immigration violations, health grounds, etc.), or must obtain a waiver if applicable

Unlike fiancé visas, the IR1 / CR1 are designed for couples who are already legally married.

For many immigrant families, the process begins while one spouse remains in countries such as Mexico or Colombia and waits for consular processing at locations like Ciudad Juárez, Mexico City, or Bogotá.

IR1 vs CR1: what's the difference?

Although the IR1 and CR1 visas follow the same application process, they lead to different types of green cards. The key distinction is whether the marriage is less than two years old or at least two years old when the green card is issued.

If the marriage is less than two years old when permanent residence is granted, the spouse typically receives conditional residence through a CR1 visa. Couples later file to remove those conditions. If the marriage is at least two years old, the spouse generally receives an IR1 visa and a standard permanent resident card.

IR1/CR1 vs K-3 vs K-1: which one do you need?

Before starting an application, it's important to understand which visa category matches your circumstances. IR1, CR1, K-1, and K-3 visas were created for different stages of a relationship.

IR1 or CR1

These visas are intended for couples who are already married. After approval and entry into the United States, the spouse becomes a permanent resident.

K-1 fiancé visa

The K-1 visa is for couples who are not married yet. The foreign fiancé enters the United States, the couple marries, and then applies for adjustment of status.

K-3 visa

Although the K-3 category still exists in immigration law, it is rarely used in practice today. Most married couples follow the IR1 or CR1 process instead.

For couples who are already married and living apart because of immigration processing, the spouse visa route is typically the path being considered.

Step-by-step application process

From start to finish, the IR1/CR1 process is designed to verify the relationship, review financial sponsorship, and confirm that the immigrant spouse is eligible for permanent residence. While the exact timeline varies, most couples move through the same series of steps before the visa is issued.

Step 1: File Form I-130

The U.S. citizen spouse begins the process by filing Form I-130, Petition for Alien Relative, with USCIS.

The purpose of the petition is to establish that a valid marital relationship exists.

Supporting evidence often includes:

• Marriage certificate
• Photos together
• Joint financial records
• Communication records
• Other evidence showing a bona fide marriage (a legal marriage entered into in good faith)

Step 2: USCIS review

USCIS reviews the petition and supporting documentation. If additional information is needed, USCIS may issue a Request for Evidence (RFE).

Once approved, the case is forwarded to the National Visa Center (NVC).

Step 3: National Visa Center processing

The NVC assigns a case number and requests additional forms, fees, civil documents, and financial sponsorship documentation.

This stage typically includes:

• Form DS-260
• Affidavit of Support (Form I-864)
• Civil documents
• Passport information
• Birth certificates
• Marriage records

Step 4: Medical examination

Before the interview, the immigrant spouse must complete a medical examination with an authorized panel physician. Required vaccinations may also apply.

Step 5: Consular interview

Once the case is complete, the interview is scheduled at the appropriate U.S. embassy or consulate.

For many applicants in Latin America, this may occur in:

• Ciudad Juárez, Mexico
• Mexico City, Mexico
• Bogotá, Colombia
• Guatemala City, Guatemala
• San Salvador, El Salvador
• Santo Domingo, Dominican Republic

Step 6: Enter the United States

If the visa is approved, the spouse can travel to the United States and enter as a permanent resident. The green card is then issued after arrival.

Required documents checklist

Document preparation is one of the most important parts of the IR1/CR1 process. Missing records, incomplete forms, or inconsistencies between documents can delay a case, so it helps to gather key paperwork as early as possible rather than waiting for each stage to begin.

Although every case is different, applicants commonly need:

• Valid passport
• Marriage certificate
• Birth certificate
• Form DS-260
• Form I-864 Affidavit of Support
• Passport-style photos
• Police certificates when required
• Medical examination results
• Evidence of a genuine marriage
• Financial documentation from the U.S. citizen spouse

Original documents and certified translations may be required depending on the country and specific case. Many of the documents required throughout the IR1/CR1 process will be reviewed more than once by different government agencies. Keeping organized copies and checking that names, dates, and personal information are consistent across records can be helpful.

Timeline and costs: what to expect

Time and cost are not determined by a single application fee. The process involves separate stages administered by USCIS, the National Visa Center, and a U.S. embassy or consulate, each with its own processing requirements and associated expenses.

Processing times can vary depending on:

• USCIS workload
• National Visa Center processing
• Consulate availability
• Requests for additional evidence
• Country-specific demand

Unlike some immigration categories, the IR1 and CR1 process does not have a fixed timeline. Some cases move faster than others, while others can take well over a year from filing to visa issuance.

Common costs

While costs are not fixed and every case is unique, the typical expenses you can expect may include:

• Form I-130 filing fee
• DS-260 immigrant visa fee
• Medical examination
• Vaccinations
• Translation services
• Document collection costs
• Travel expenses related to the interview

Government fees can change over time, so applicants should always verify the most updated costs directly through USCIS and the U.S. Department of State.

The consular interview: what to expect

The consular interview is the final major step before a spouse visa can be issued. By this stage, the government has already reviewed the petition, supporting documents, financial sponsorship forms, and medical examination results. The interview gives a consular officer an opportunity to verify the information in the application and address any remaining questions.

While every interview is unique, the officer may ask questions about:

• Your relationship history
• Your wedding
• Daily communication
• Future plans together
• Employment and finances
• Previous immigration history

The goal of the interview is to confirm that the marriage is genuine and that all eligibility requirements are met. If the visa is approved, the consular officer typically keeps the passport temporarily so the immigrant visa can be issued.

After arrival: building your financial life together

Receiving an IR1 visa or CR1 visa is a major milestone, but it is only the beginning of establishing life together in the United States.

Many newly arrived immigrants need to:

• Pay rent and utilities
• Build a financial history
• Send money to relatives in Latin America
• Manage everyday spending
• Receive direct deposit from an employer

A common challenge newly arrived immigrants face is opening a bank account before receiving a Social Security number.

How Común can help during the transition

For couples separated during the immigration process, Común offers remittance services for people in the United States who need to send money to family members in Latin America; they can do it directly from the app. This can be useful during the months of waiting between USCIS approval, NVC processing, and the visa interview.

When the immigrant spouse arrives in the United States, Común offers eligible customers the possibility of opening an account using a passport or more than 100 accepted Latin American IDs. Additionally, Común offers services for everyday payments, direct deposit acceptance available from day one, customer support in Spanish and a virtual debit card from day one of account opening.

Planning your transition to the United States

The IR1 visa and CR1 visa process can feel complicated at first, but understanding and preparing for each stage can make the process feel more manageable.

For many immigrant families, the journey can include months of waiting, collecting documents, attending medical appointments, and preparing for the consular interview. The process requires patience, but it also creates a pathway for spouses to build a life together in the United States.

While you wait, Común can help you send money to your spouse in Latin America from the app. When they arrive, eligible customers can open an account with a passport or more than 100 accepted Latin American IDs so that they can begin managing everyday finances while settling into life in the United States.

FAQ

What is the difference between an IR1 and a CR1 visa?

The main difference is the length of the marriage. A CR1 visa is generally issued when the marriage is less than two years old, while an IR1 visa applies when the marriage has reached at least two years.

How long does it take to get an IR1 or CR1 visa?

Processing times vary considerably depending on USCIS, the National Visa Center, and the consulate handling the case. Timelines should be verified through official government sources.

How much does the IR1 / CR1 visa cost in total?

Costs commonly include government filing fees, visa processing fees, medical exams, vaccinations, translations, and travel expenses. The exact total varies by case and country.

What documents do I need for the spouse visa application?

Applicants commonly need a passport, marriage certificate, birth certificate, financial sponsorship documents, visa application forms, medical examination records, and evidence supporting the marriage.

Can I work in the U.S. with an IR1 or CR1 visa?

Yes, after entering the United States as a permanent resident through an approved IR1 or CR1 visa.

What happens at the consular interview?

A consular officer reviews the application and asks questions about the relationship, eligibility, and supporting documentation. The purpose is to verify the information already submitted.

Do I need a lawyer for the IR1/CR1 application?

Some couples complete the process on their own, while others seek professional guidance. The decision often depends on the complexity of the case, prior immigration history, or other legal considerations.

Can I apply for IR1/CR1 from inside the United States?

The IR1 and CR1 categories are generally associated with consular processing abroad. Individuals already in the United States may have other immigration options depending on their circumstances. Because situations vary, reviewing official USCIS guidance is important.

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, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa Cards are accepted. Común is a financial technology company and not a bank or licensed money transmitter. Peer-to-peer payment services are provided by Cross River 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.

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