How to call Colombia from the U.S. in 2025 easily and affordably

The Colombian community has a strong presence in the U.S., with many immigrants arriving each year to visit, live, study, and work.

Staying in touch with family across borders matters. That’s why it’s useful to know the different ways to make international calls from the U.S. While it can seem tricky, it’s easy if you have the right codes.

If you want to call loved ones back home in Colombia, below you’ll find step-by-step dialing instructions from the U.S., examples, and a full area-code table.

Basic steps to call Colombia from the USA

Before calling anyone in Colombia, know the sequence: international prefix + country code + local number.

1. Enter the U.S. exit code – 011

This is the international prefix from a landline. If you’re using a mobile phone, use the “+” sign instead.

2. Dial Colombia’s country code – 57

This identifies Colombia in the international telephone system.

3. Dial the local number in Colombia

For landlines include the city area code. For mobile phones, dial the full 10-digit mobile number.

Examples:

• Call Bogotá (landline): 011 + 57 + 1 ####### 
• Call Medellín (landline): 011 + 57 + 4 #######

If you’re still planning a move to the U.S., don’t miss our guides on cost of living and the minimum wage.

Area codes and dialing examples for Colombian cities

There’s a difference between calling a landline and a mobile in Colombia from the U.S.: landlines need the regional area code; mobiles are dialed using the “+” format on cell phones.

Below you’ll find the area codes for Colombia’s main cities to ensure you dial correctly when contacting your family.

City

Area code

U.S. dialing example

Bogotá

1

011 57 1 #######

Medellín

4

011 57 4 #######

Cali

2

011 57 2 #######

Barranquilla

5

011 57 5 #######

Cartagena

5

011 57 5 #######

Bucaramanga

7

011 57 7 #######

Pereira

6

011 57 6 #######

Cúcuta

7

011 57 7 #######

Santa Marta

5

011 57 5 #######

Manizales

6

011 57 6 #######

Digital alternatives and budget-friendly plans to call Colombia

The phone is a favorite way to bridge distances and stay in touch with loved ones across borders.

Years ago, international rates were expensive, making frequent calls home difficult.

Today, digital options have lowered costs and made cross-border communication much easier.

Below we show some affordable options to help you stay in touch with the people who matter most.

• Internet-voice apps (VoIP):

Mobile apps are hugely popular worldwide. They enable texting, voice notes, and voice/video calls over Wi-Fi or data—significantly cutting costs. 

WhatsApp is the most popular, and other solid options include FaceTime, Google Voice, and Skype.

• International calling plans from your U.S. carrier:

If you prefer traditional calling, look for an international plan from your U.S. provider with minutes to Colombia—great for frequent calls.

You can pick plans with minutes to landlines and mobiles or Colombia-specific bundles.

Examples of U.S. carriers include AT&T Prepaid, T-Mobile, Verizon, and Ultra Mobile. Options range from unlimited international add-ons and prepaid plans with international calling to limited-minutes bundles and mixed data/calling packages.

• Prepaid calling cards as a flexible option:

If you’re in the U.S. for only days or weeks, a mobile plan may be overkill. A prepaid calling card can be ideal—no PINs in many cases and you only pay for the minutes you use.

Stay connected with family in Colombia with Común

As you’ve seen, calling Colombia from the U.S. is straightforward—just use the correct codes. You can also choose affordable alternatives like mobile apps or prepaid cards.

Staying in touch shows care and support. It also helps to have accessible services to send money and support their well-being.

Meet Común your direct link to the ones you love!

• International money transfers: the simplest way to send remittances to family with fair, transparent pricing.

• Común’s mobile app in Spanish and English: open an account with 100+ eligible official IDs and get support in your language.

Ready to revolutionize how you connect with your finances?

Open your Común account today and complement your calls with a fintech platform that supports your financial life in the U.S.

Frequently Asked Questions (FAQ)

Still have questions? Check our FAQ section below.

What if I don’t dial 011 or “+”?

If you don’t dial 011 from a landline or “+” on mobile, your call won’t be recognized as international and will fail as a local call.

What’s the cheapest way to call Colombia from the USA?

There are several affordable options—apps like WhatsApp, Skype, or Google Voice; prepaid calling cards; or an unlimited international plan. The best choice depends on your habits and how often you call.

How much does it cost to call Colombia from the USA?

Costs vary by method. For example, AT&T offers unlimited add-ons around $15/month and Verizon offers 300 minutes for about $10/month.

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What is a certified check and how does it work?

Certified checks are a common form of payment for thousands of immigrants living in the United States, especially for major purchases such as rent payments, buying a car, and legal settlements.

However, it is not always clear why the certification process matters and how it differs from other types of checks.

A certified check is a physical payment order that has been reviewed in advance by a financial institution to ensure there are sufficient funds in the issuer’s bank account. This is the fundamental reason it’s considered a safer form of payment than a personal check.

Below, we explain in detail what a certified check is, how it works, and why it’s important to understand the differences from other types of checks.

What is a certified check?

A certified check is a type of check with guaranteed funds, since the issuing bank has verified the money exists in the checking or personal account.

This makes it a safer form of payment than personal checks, because the bank sets aside the amount to be paid so it can be collected by the payee.

How is a certified check issued?

Issuing a certified check is a straightforward process you can complete directly at the financial institution of your choice.

• The customer requests the check

The account holder must go to a bank and request a certified check, specifying the payee and the amount.

• Customer identification

You must present an official ID to verify that you are the holder of the savings or checking account from which the funds will be drawn.

• The bank freezes the amount in the account

The bank then certifies there are sufficient funds to cover the check and freezes them to ensure the payee can cash it.

• Signature certification

You must sign the check before finishing the process so the bank can confirm the signature matches the one on file.

Affixing the certification stamp

Finally, once the bank has verified the funds and the signature, it places a certification stamp to document completion of the process.

Differences between a certified check and a cashier’s check

A cashier’s check is another way to make secure payments using a physical instrument. In this case, the bank branch issues the check after receiving the customer’s payment, so the funds come from the bank itself.

Below is a comparison between a cashier’s check and a certified check.

Cashier’s check

Certified check

Security

High; the bank verifies sufficient funds and places a hold for the payee.

Very high; the check is backed by the bank and does not depend on the issuer’s account.

Cost

At some banks they have no cost at others up to approximately $15.

Depends on the bank; typically $10–$20.

Issuance time

At the branch, after funds are verified.

Immediate.

When is a certified check typically required?

A certified check is commonly used for significant transactions or large amounts. This gives the recipient assurance that funds are available.

• Paying an apartment security deposit.

When finalizing a lease or purchasing an apartment, the landlord or agent may request payment via certified check to guarantee funds.

• Buying a used car.

Whether dealing directly with owners or dealerships, a certified check can be a suitable option because of the security it provides.

• Closing an important contract or legal settlement.

For example, to pay fees, settlements, or indemnities, certified checks provide security for both parties.

• For tuition or school fees.

Some educational institutions accept certified checks as a form of payment, especially for international or first-time payments.

Do you know what to do if a check is stolen or lost? We explain it here!

Practical tips for using certified checks safely

While certified checks are among the safest payment methods due to the bank’s verification process, there are still fraud attempts using forged documents.

With this in mind, keep these tips in mind to avoid becoming a victim of check fraud.

How to know if a check has funds and avoid scams

• Verify with the issuing bank. 

Call the bank directly and provide the check number, account holder, and amount; ask them to confirm authenticity and that funds are guaranteed. Make sure you call the bank’s official number, not the one printed on the check.

• Be alert if you receive an overpayment check. 

A common scam is sending a check for more than the amount due and asking for the difference in cash. Confirm the check’s validity with the bank before proceeding.

• Wait for the check to clear before handing over any goods. 

Clearing can take 3–10 days. Make sure the funds have fully settled and are not just on hold.

• Avoid accepting checks from unknown parties. 

Whenever possible, accept checks only from people you trust. If you must take a check, follow the security measures above.

Manage your money securely with Común

In this article we explained what a certified check is, how it’s issued, how it differs from cashier’s checks, and how to use this payment method safely.

While certified checks can be a good payment option, a checking account in the U.S. is a much more secure and practical way to manage money.

Meet Común, your financial ally in the United States!

Send, receive, and cash money within and outside the United States. Our platform lets you move your money easily, quickly, and securely. You need a qualifying official ID from your country of origin to get started.

Open your account with Común today and discover a financial platform tailored to you.

Frequently Asked Questions (FAQ)

Where can I get a certified check in the United States?

You can request certified checks at financial institutions such as banks, credit unions, and some digital banks.

How much does it cost to get a certified check at the bank?

The cost depends on the bank but is typically between $10 and $15.

What other types of checks exist in the U.S. besides certified checks?

Other types of checks in the United States include: Money order; Personal check; Cashier’s check.

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Declined: Why?

Picture this: you're in the checkout line, ready to pay for your purchases. You've carefully budgeted for the week, and now it's time to swipe your card. But instead of the usual approval sound, you hear something different, and the cashier tells you your transaction has been declined. Embarrassed and confused, you reach for another card or cash, wondering what went wrong.

Transaction Limits

Every bank and financial institution imposes certain transaction limits to ensure security and manage risk. These limits can vary depending on the type of transaction:

• Daily Withdrawal Limits: There may be a limit on how much cash you can withdraw from an ATM in a single day.
• Purchase Limits: Transactions made with your debit or credit card may have a maximum limit per transaction or per day.
• Transfer Limits: Transfers between accounts, especially international ones, often have set limits to prevent fraud.

If your transaction exceeds these predefined limits, it will be declined. Always check your bank's policy on transaction limits and plan your transactions accordingly.

Incorrect PIN Entry and Fraud Protection Rules

Your Personal Identification Number (PIN) is crucial for authorizing transactions. However, if the PIN is entered incorrectly more than four times, the transaction will be automatically declined. This is a security measure to prevent unauthorized access to your account.

If you forget your PIN, you can easily retrieve it through your banking app in the cards section. Be sure to memorize it or store it securely to avoid repeated declines.

To protect customers against fraud, banks have rules to block transactions that appear suspicious. These can include:

• Unusual Spending Patterns: Large or out-of-the-ordinary transactions can trigger a block.
• Geographic Restrictions: Transactions from locations far from your usual activity may be flagged.
• Repeated Declines: Multiple declines or failed attempts can lead to a temporary block.

If you're planning a large purchase or traveling internationally, notify your bank in advance to avoid unnecessary declines.

Cash Deposits and Insufficient Balance

When depositing cash at an ATM, it's important to know that deposits generally can only be made into checking accounts and at specific ATMs like Allpoint+. Trying to deposit cash at a different ATM or into a savings account will result in an error. Always check the account type and ATM capabilities before attempting a deposit.

Additionally, one of the most common reasons for a declined transaction is insufficient balance. Make sure you have enough funds in your account before making a transaction. You can easily check your balance using your banking app. Regularly monitoring your account helps avoid declined transactions and possible overdraft fees.

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Card Activation or Card Locking

When you receive a new physical card, it must be activated before use. Until it's activated, any attempt to use the card will be declined. Activation can usually be done quickly through your banking app in the cards section. Follow your bank's instructions to make sure your card is ready to use.

On the other hand, for security reasons, you may need to lock your card if it's lost, stolen, or if you suspect fraudulent activity. This can easily be done through your banking app in the cards section. Locking the card prevents any unauthorized transactions and gives you control over your account's security.

[Image: credit card — keep as-is]

Understanding Declined Transactions

Beyond the common reasons, there are additional factors that can lead to a declined transaction:

• Credit Limit: If you've reached your card's credit limit, any additional transaction will be declined. You can request a credit limit increase from your card issuer if you frequently reach your limit.
• Incorrect Payment Information: Make sure the billing address, card number, and expiration date entered are correct. An incorrect credit card number or billing address will result in a declined transaction.
• Expired Card: Using an expired card will lead to a declined transaction. Always check the expiration date and update your payment method with a new card when needed.
• Suspected Fraud: Banks may decline transactions they suspect are fraudulent. This includes transactions in a different city or country. You can contact your bank to resolve fraud alerts and authorize the transaction.
• Insufficient Available Credit: For credit card transactions, make sure you have enough available credit to cover the purchase. Monitoring your remaining balance can help avoid declines.
• Temporary and Final Declines: Temporary declines (soft declines) are temporary and can be retried, while final declines (hard declines) are definitive and require contacting the issuing bank for resolution.

We'll teach you everything you need to know about bank accounts in the United States.

Conclusion

Understanding the reasons behind declined transactions can help you manage your finances more effectively and avoid unnecessary stress. By familiarizing yourself with transaction limits, using your PIN correctly, being aware of fraud protection measures, ensuring a sufficient balance, activating new cards, and knowing how to lock your card if needed, you can ensure smoother, safer banking experiences. Stay proactive with your banking habits and use the tools your bank provides to stay in control of your financial activity.

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Understanding Money Transfer Scams

Money transfer scams are fraudulent schemes designed to trick people into sending money or sharing sensitive financial information. These scams can happen through various channels, including emails, phone calls, text messages, and even social media. Scammers often pose as legitimate entities, like banks, government agencies, or trusted companies, to earn the victim's trust and prompt immediate action.

Common Tactics Used in Money Transfer Scams

• Impersonation: Scammers often pose as credible entities to make their requests seem legitimate. They may pretend to be from your bank, a government agency, or even a friend or family member in trouble.
• Urgency and Fear: Scammers create a sense of urgency or fear, insisting immediate action must be taken. This tactic pressures victims into making hasty decisions without proper verification.
• Emotional Manipulation: Many scams exploit the victim's emotions. For example, a scammer might claim a loved one is in trouble and needs money right away.
• Phishing: Scammers use emails or messages that appear to be from legitimate sources to steal personal information, like login credentials or bank details.

Impact of Money Transfer Scams

The consequences of falling victim to a money transfer scam can be severe:

• Financial Loss: The most direct impact is losing money, which can range from a few dollars to substantial sums.
• Identity Theft: Scammers can use stolen information to commit identity theft, leading to further financial and legal complications.
• Emotional Stress: Victims often experience significant stress and anxiety after realizing they've been scammed.

Understanding these tactics and their potential impact is the first step to protecting yourself from money transfer scams. Learn about Común account security

Types of Scams

Money transfer scams come in several forms, each with unique methods for deceiving victims. Below are two common types of scams to be aware of:

They Send You a Check in Exchange for a Return Payment

In this scam, the victim receives a check, often for a large amount, with instructions to deposit it into their bank account. The scammer then asks the victim to send part of the money back to them or to a third party, usually under the pretext of covering fees, taxes, or another made-up reason.

How It Works:

• Receiving the Check: The scammer sends a check that looks real, often claiming it's an overpayment, a prize, or some other reason.
• Depositing the Check: The victim deposits the check into their account. Initially, the bank may credit the amount to the victim's account, making it appear the funds are available.
• Return Payment Request: The scammer then asks the victim to send back a portion of the funds before the check fully clears.
• Returned Check: Eventually, the check is returned as fraudulent, leaving the victim responsible for the full amount, including the money they sent to the scammer.

Warning Signs:

• Receiving a check from an unknown source.
• Instructions to send money or gift cards in return.
• Pressure to act quickly before verifying the check's authenticity.

They Ask for a Confirmation Code Before Withdrawing Funds

In this scam, the scammer poses as a legitimate company or financial institution and contacts the victim, asking them to provide a confirmation code to verify their identity or complete a transaction.

How It Works:

• Initial Contact: The scammer contacts the victim, often through a phone call, text message, or email, posing as a representative of a trusted entity.
• Confirmation Code Request: The victim is asked to provide a confirmation code, usually sent to their phone or email.
• Unauthorized Access: Once the victim provides the code, the scammer uses it to access the victim's bank account or complete an unauthorized transaction.
• Withdrawal of Funds: The scammer withdraws funds from the victim's account, leaving them with financial losses.

Warning Signs:

• Unexpected requests for confirmation codes or personal information.
• Calls or messages claiming urgent verification needs.
• Requests to share codes sent to your phone or email, especially if you didn't initiate any transaction.

By understanding these specific types of money transfer scams, you can better protect yourself and recognize warning signs when they come up.

How to Avoid Money Transfer Scams

Avoiding money transfer scams requires vigilance and following certain best practices. Here are some essential tips to help protect you from falling victim to these fraudulent schemes.

Never Send Money to Someone You Don't Know

One of the most important rules to remember is to never send money to someone you don't personally know. Scammers often pose as legitimate businesses or people in urgent need, but once the money is sent, it's nearly impossible to get it back.

Key Points:

• Verify Identity: Always verify the identity of the person or organization requesting the transfer. Use official contact information to confirm their legitimacy.
• Question the Request: Be skeptical of any request to send money, especially if it comes from someone you haven't dealt with before or don't know in person.
• Consult Trusted Sources: Before sending money, check with friends, family, or financial advisors for a second opinion.

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Remember: Money Transfers Are Like Sending Cash

Money transfers are a convenient way to send money, but they're also irreversible and can be easily exploited by scammers. Treat money transfers with the same caution you'd use with cash transactions. Learn how to make international transfers

Key Points:

• Understand the Risks: Money sent via transfer is money that's gone. Unlike credit card transactions, money transfers don't have fraud protection or dispute mechanisms.
• Use Alternative Methods: For transactions with unknown parties, consider using payment methods with better security and fraud protection, like credit cards or payment platforms like PayPal.
• Double-Check Details: Before completing a money transfer service, double-check all the recipient's details to ensure accuracy and legitimacy.

Verify Identity and Authenticate Transactions

Verifying the identity of the parties involved in a transaction and ensuring the transaction itself is authentic are crucial steps to preventing money transfer scams. Scammers often rely on impersonation and fake transactions to deceive victims.

User Authentication at the Point of Purchase

Implementing strong user authentication methods at the point of purchase can significantly reduce fraud risk. This involves verifying the buyer's identity before completing the transaction.

Effective Authentication Methods:

• Biometric Verification: Use biometric data, like fingerprints or facial recognition, for added security during transactions.
• Secure Payment Gateways: Use secure payment gateways that offer robust authentication processes.
• Verification Codes: Require verification codes sent to the user's mobile device or email before completing the purchase.

Be Cautious When Transferring Money

Exercising caution and diligence when transferring money is essential to avoid scams. Here are some tips to keep in mind:

• Double-Check Recipient Details: Always double-check the recipient's information before starting a transfer. Make sure the name, account number, and routing or control number are accurate.
• Avoid Public Wi-Fi: Only complete financial transactions on secure, private networks. Public Wi-Fi can be easily compromised by scammers.
• Limit Transfer Amounts: If possible, limit how much money you transfer at once, especially when dealing with new or unknown parties.

Protect Your Bank Account

Protecting your bank account from unauthorized access is vital to preventing financial losses due to scams.

Security Measures:

• Strong Passwords: Use complex, unique passwords for your bank accounts. Avoid easy-to-guess information, like birthdates or common words.
• Regular Monitoring: Regularly monitor your bank statements and account activity for suspicious transactions.
• Account Alerts: Set up account alerts to notify you of large withdrawals, suspicious activity, or login attempts from unrecognized devices.
• Secure Devices: Make sure your devices are protected with up-to-date antivirus software and that you use secure browsers for online banking.

By following these guidelines and putting these security measures in place, you can significantly reduce your risk of falling victim to money transfer scams.

Recovering From a Money Transfer Scam

If you suspect you've fallen victim to a money transfer scam, it's crucial to act quickly to limit any potential damage and increase your chances of recovering lost funds. Here are the steps to take to address the situation:

What Are the Steps to Recover Funds From Money Transfer Scams?

Contact Your Bank Immediately

The first and most critical step to recovering from a money transfer scam is contacting your bank. Here's what to do:

• Provide Details: Give your bank all the information about the transaction, including dates, amounts, and any communication with the scammer.
• Request an Investigation: Ask the bank to investigate the transaction. They may have specific procedures for handling fraud cases.
• Follow Up: Stay in regular contact with your bank to stay updated on the investigation's progress and any action they take.

Report to Authorities

• File a Report: Report the scam to your local law enforcement agency. Give them all the details and any evidence you have.
• Contact Federal Agencies: In the United States, report the scam to the Federal Trade Commission (FTC) and the Internet Crime Complaint Center (IC3). These agencies can help investigate the fraud and potentially recover funds.

Notify Your Employer

If the scam involves your workplace or business accounts, notify your employer right away. They may have additional resources or protocols to help mitigate the impact.

Monitor Your Accounts

• Watch for Unauthorized Activity: Closely monitor your bank accounts and credit reports for any signs of unauthorized transactions or identity theft.
• Set Up Alerts: Enable alerts on all financial accounts to get notified of any suspicious activity.

Change Security Details

• Update Passwords: Change the passwords on all your financial accounts and any other accounts that may have been compromised.
• Enable Two-Factor Authentication: Improve your account security by enabling two-factor authentication wherever possible.

Seek Professional Advice

• Legal Advice: Consider consulting with an attorney specializing in financial fraud to understand your legal options and rights.
• Financial Advisor: A financial advisor can help you assess the scam's impact on your finances and advise you on steps to prevent future occurrences.

By following these steps, you can take proactive measures to recover from a money transfer scam and protect yourself from future incidents. Staying informed is key to safeguarding your financial well-being in an increasingly digital world. Learn more about the immediate actions you can take if your account has been compromised

Conclusion

Money transfer scams are pervasive threats in today's digital landscape, targeting both individuals and businesses with sophisticated tactics. However, armed with knowledge and vigilance, you can protect yourself against these fraudulent schemes. By understanding common tactics, recognizing warning signs, and implementing preventive measures like verifying identities and protecting your bank accounts, you can significantly reduce your risk of falling victim to scams.

In the unfortunate event that you're scammed, quick action is crucial. Contact your bank immediately, report the scam to authorities, and monitor your accounts for unauthorized activity. By staying cautious and skeptical of unsolicited requests for money or personal information, you can navigate financial transactions with confidence and security.

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In the world of finance, choosing the right bank account can make a big difference in your financial life. In this article, we'll walk you through the different types of bank accounts available in the United States and help you choose the best option for your needs.

What Is a Bank Account and Why Does It Matter?

A bank account is a type of financial product that acts as a financial agreement between a bank and a customer, letting the customer deposit and withdraw money. It also offers additional services like issuing checks, bank transfers, debit card payments, receiving direct deposits, and more. Choosing the right bank account is essential for managing your finances efficiently and reaching your financial goals.

Different Types of Bank Accounts

There are several types of bank accounts, each with its own features, advantages, and disadvantages. Below, we'll explore two of the most common: savings accounts and checking accounts:

Checking Accounts

A checking account, also known as a checking or checkbook account, is a type of bank account used mainly for everyday transactions. Unlike savings accounts, checking accounts let you make an unlimited number of deposits and withdrawals, making them ideal for handling your money day to day.

Checking accounts are offered by nearly every bank and credit union in the United States, and each has its own features and benefits. One of the main advantages of checking accounts is their flexibility. You can deposit and withdraw money as many times as you want, and you can also complete basic transactions like paying bills, writing checks, and making purchases with a debit card. Plus, many checking accounts offer additional services like overdraft protection, account alerts, and access to online and mobile banking.

However, unlike savings accounts, checking accounts usually have lower — or even no — interest rates, meaning your money won't grow over time. Additionally, some checking accounts may carry monthly service fees, though you can often avoid these fees if you meet certain requirements, like maintaining a minimum balance or completing a set number of transactions each month.

For example, Chase Bank offers the Chase Total Checking account, and Citi Bank offers the Citi Basic Banking Package, which include access to thousands of ATMs and online and mobile banking service. However, like many other traditional banks, they charge a monthly service fee of $8 to $12 unless you meet certain average monthly balance requirements or a minimum amount deposited through monthly direct deposits.

By contrast, Común, online banking in the United States, offers a checking account with zero hidden costs. Unlike traditional banks, the bank account Común offers requires a $0 minimum deposit, requires $0 in monthly fees, unlimited transactions, and many more great benefits.

In summary, while checking accounts may not be the best option for saving money, they're an essential tool for managing your finances day to day. When choosing a checking account, it's important to consider your banking habits and look for an account that fits your needs.

Savings Accounts

A savings account is a type of bank account specifically designed to encourage the savings habit among users. Its main purpose is to help you keep money safe while earning interest on your balance.

Savings accounts are offered by most banks and credit unions in the United States, and each has its own features and benefits. For example, Bank of America offers the Advantage Savings account, which includes a competitive interest rate and the ability to avoid the monthly maintenance fee if you meet certain requirements. Wells Fargo, on the other hand, offers the Way2Save Savings account, which makes saving easier by automatically transferring $1 from your checking account to your savings account every time you make a transaction.

One of the main advantages of savings accounts is that your money isn't just safe — it also grows over time thanks to interest rates. These rates vary depending on the bank and the type of account, but generally let you earn a small percentage of your total balance each year. Additionally, savings accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000, meaning your money is protected even if the bank fails.

However, savings accounts also have some limitations. One of the most notable is a restriction on the number of certain types of transactions you can make each month. Under the Federal Reserve's Regulation D, you can only make up to six "convenient transactions" per month, which include transfers and electronic payments, automatic debits, checks, and debit card payments. If you exceed this limit, the bank may charge you a fee or convert your savings account into a checking account.

Also, while savings accounts are a great way to store money, they aren't the best option if you need frequent access to your funds. For everyday transactions and easy access to your money, a checking account might be more suitable.

Specialized Bank Accounts

Beyond savings and checking accounts, there are other types of bank accounts designed for specific needs.

Low-Fee Accounts and Second-Chance Accounts

Low-fee accounts are bank accounts that offer basic services at a minimal cost, ideal for people looking to avoid high banking fees. Second-chance accounts, on the other hand, are designed for people who've had trouble with bank accounts in the past and are looking for a new chance to manage their finances.

Payroll Accounts and Money Market Accounts

Payroll accounts are bank accounts where your employer deposits your salary directly, while money market accounts are savings accounts with investment features that offer competitive interest rates in exchange for maintaining a higher minimum balance.

How to Choose the Best Bank Account for Your Needs

Choosing the right bank account largely depends on your financial needs and goals. For example, if your goal is to save money, a savings account might be the best option. On the other hand, if you need to make a lot of daily transactions, a checking account might be more suitable.

Factors to Consider When Choosing a Bank Account

Some factors to consider when choosing a bank account include interest rates, bank fees, minimum balance requirements, additional services and features, and the bank's reputation.

How to Open an Account With Común:

To open an account in the United States, you'll generally need to provide personal information, like your name, address, date of birth, and Social Security number. You may also need to provide a government-issued photo ID and make an initial deposit.

At Común, the steps and requirements to open an account are as follows:

1. Download the mobile app on your Apple device from the App Store or your Android device from the Play Store.
2. Open the app and create your new account; follow the instructions and fill in your personal information.
3. In under 5 minutes, you'll have finished creating your account and will get an account number and routing number, and you can start using your virtual debit card right away.
4. Request your debit card, and it will arrive by mail in under 2 weeks.

We recommend making your first deposit when you open your Común account so you can start using your debit card. You can do this in a few different ways:

5. Connect your PayPal, Cash App, and other accounts to your Común account and transfer money to yourself instantly.
6. Deposit cash at one of the thousands of ATMs in the Allpoint network, which you can find at any Walgreens, CVS, Target, and many other locations near you.
7. Transfer money from your other bank accounts using your Común account and routing numbers; keep in mind this type of transaction may incur costs from the bank you're transferring from.

The Importance of Choosing the Right Bank Account

Choosing the right bank account is a crucial step in managing your finances efficiently. We hope this guide has helped you better understand the different types of bank accounts available and make an informed decision. Remember, the best bank account for you is the one that fits your needs and financial goals.

If you're looking to open a checking account and get a debit card, what are you waiting for? Do it with Común.

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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:
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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.

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There is no doubt that Western Union has established itself as a leading company in the remittance industry, with over 145 years in the market.

Since its inception, Western Union has enabled people without access to a banking account to make quick money transfers, which has been particularly significant for rural and immigrant communities in the United States.

According to recent data, in 2023, 12% of remittances sent from the United States to Latin America and the Caribbean were carried out through Western Union, making it one of the leading money transfer services worldwide.

Today, remittances are essential to the lives of millions of Latin American migrants in the United States. In this article, we address alternatives to Western Union that solve problems such as high fees, unfavorable exchange rates, and complicated processes by offering more modern, accessible, and fair financial services.

Why Look for Alternatives to Western Union?

For over a century, Western Union has worked to bring families together through international money transfer services, offering multiple delivery options and broad coverage.

However, over the years, new services have emerged that address areas where Western Union can improve, such as:

High and Variable Fees

One of the main challenges faced by the immigrant community in the United States when sending money is the high money transfer fees, which significantly affect the final amount received.

For example, according to Western Union’s price calculator, the cost to send $500 USD to Mexico via an agency with cash pickup is $15 USD.

Uncompetitive Exchange Rates

In addition to fees, international transactions involve currency exchange, which can be detrimental to the recipient depending on the exchange margin used.

In the previous example of using the Western Union price calculator, the dollar exchange rate is 18.17 MXN, compared to the official rate of 18.64 MXN, meaning the recipient receives 9,081 MXN instead of 9,320 MXN.

Limits and Restrictions

Another factor that may negatively impact migrants sending remittances to Mexico is the limits and restrictions imposed, depending on factors such as payment method, receiving country, and identity verification.

Generally, for unverified users, the limit to send cash through Western Union is $3,000 USD per transaction. Upon verifying identity, that amount may increase.

Transaction Speed

The speed of money transfers through Western Union depends on the payment and delivery method, as detailed below:

• Debit/credit card to cash: minutes
• Debit/credit card to bank deposit: 1–2 business days
• Banking account to cash: 3–5 business days
• Banking account to banking account: up to 5 business days
• In-person cash to in-person cash: minutes
• Wire transfer to mobile wallet: up to 24 hours

Accessibility and Convenience

Western Union is known for its global reach and the accessibility of its international money transfer services.

However, for these same reasons, long lines and wait times may occur. If you need to speed up your transactions, this large-scale service might not be your most favorable option.

9 Alternatives to Western Union for Sending Money Home

If Western Union doesn't suit your needs, here are the best money transfer apps.

Comun

Comun is a comprehensive platform that not only allows money transfers within and outside the U.S., but also gives you access to a complete and efficient financial experience, including easy access to cash.

Enjoy 24/7 support also available in Spanish, and pay transparent fees starting at $2.99 USD for international money transfers, with no hidden fees.

Ria Money Transfer

Ria Money Transfer is a service similar to Western Union. It has coverage in a large number of countries worldwide and offers different payment and delivery methods, as well as partnerships with retailers like Walmart.

Wise (previously TransferWise)

Wise is a U.K.-based financial technology company that facilitates international money transfers and offers benefits such as a multi-currency account and real exchange rates.

Remitly

Remitly is a fintech that operates primarily in the United States, Canada, and Australia. It allows money transfers with options for cash pickup, bank deposit, or mobile wallet. While it is a good option for sending remittances to Latin America, it has fees and exchange rates that are not very competitive.

WorldRemit

WorldRemit is a global money transfer service with a presence in over 130 recipient countries. In addition to offering cash pickup and bank deposit options, it also allows transfers through mobile phone top-ups.

PayPal/Xoom

Xoom is a remittance company acquired by PayPal. It offers money transfers with multiple delivery methods, such as bank deposit, cash pickup, mobile wallet, or direct delivery.

MoneyGram

MoneyGram is a U.S.-based company specializing in international money transfers and person-to-person (P2P) payments. It operates in over 200 countries with various payment options.

OFX

OFX is a company specializing in international money transfers and currency exchange, with a presence in over 190 recipient countries.

Revolut

Revolut is a U.K.-based fintech offering multi-currency digital accounts, international money transfers, and investment services.

How to Choose the Most Suitable Alternative for Your Remittances

If you are still wondering which money transfer app is right for you, remember to consider the following factors before selecting an alternative to Western Union:

Fees and Real Exchange Rate

It is advisable to look for a payment service provider with clear, flat fees to ensure your family receives the maximum possible amount.

Transfer Speed

While in many cases, most apps offer quick money transfers, in others, the waiting time could be problematic for the recipient.

Sending and Withdrawal Methods

Make sure the sending methods suit your needs, whether via banking account, credit or debit card, or cash delivery.

Coverage in Your Country

Verify that the money transfer service has coverage in Latin America, and that this does not involve additional shipping fees.

Ease of Use and Customer Support

It is important to communicate easily in case of any issues. Choose an option with 24/7 Spanish-language support.

Security and Trustworthiness

Ensure the service has the necessary licenses and regulations for the places where it operates, as well as the appropriate security measures to protect your data.

Comun: A Great Financial and Remittance Alternative Designed for the Immigrant Community in the U.S.

Although Western Union is an excellent option for sending money abroad, there are better alternatives with more competitive and fair conditions that can make your money, and your family’s, go further.

It is essential to research and compare each international payment service in order to choose the option with the most suitable benefits for you.

Comun offers you an all-in-one service that allows low-cost international money transfers, along with a complete financial experience in your language.

• Open your account easily using official documentation from your country
• Make your first international money transfer free, and afterward pay a fee starting at $2.99 USD per transfer, up to the applicable limits
• Deposit cash at over 88,000 retail locations in the U.S.
• Manage your finances through a mobile app
• Access to Spanish-language support 24/7

Open your account today and discover an alternative to Western Union.

Frequently Asked Questions

Is it safe to use digital alternatives to Western Union?

Comun uses secure technology and follows U.S. financial regulations to help protect your money transfers. You can also choose from multiple payment and delivery options.

What are the hidden costs when sending money internationally?

International money transfers generate fees, in addition to the currency conversion rate.

Can I send money to a country if I don’t have a banking account?

With Comun, you can send cash even if you don’t have a traditional U.S. banking account.

What do I need to open an account with services like Comun?

A compatible Android or iOS phone and an official ID from your country.

How long does a money transfer take with these alternatives?

Money transfers with Comun are reflected within minutes or hours.

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Disclosures (in footer):

“Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun 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.”

“Funds in your account are FDIC insured up to $250,000 by ownership category through Community Federal Savings Bank (CFSB), Member FDIC, in the event CFSB fails.”

“A service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require a license.”

“Remittance fees start at $2.99 but may vary. Please check the app for more details.”

“Comun Inc. may earn revenue from the conversion of foreign currencies.”

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Did you know it is possible to send money without having a bank account? The lack of access to financial services is a problem that negatively affects the quality of life of thousands of immigrant workers in the United States.

For example, according to a recent survey, the rate of the Latino community in the United States without a bank account dropped from 15% to 10% over the last two years. However, it remains high compared to the national average of 4.5%.

While having a bank account facilitates financial transactions such as transfers, in-store payments, and online purchases, there are now alternatives that allow you to access banking services without needing an account.

Below, you will discover how to transfer money from one card to another without an app or bank account, as well as the safest and simplest methods available to you.

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Sending Money Online

Not having a U.S. bank account is not an obstacle to sending money domestically or internationally, as there are methods widely used among immigrant workers who regularly send remittances and conduct other transactions using prepaid cards and cash payments.

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International Money Transfer Providers

This is one of the most popular ways to send money without a bank account due to the accessibility, variety of payment methods, and broad coverage typically offered.

International money transfer providers are companies that specialize in facilitating money transfers from one country to another. The key features of these services include:

• Specialization in international money transfers, unlike traditional banks, which have certain limitations, such as high commissions, unfavorable exchange rates, extensive delivery time, and participation of intermediaries that increase costs.
• More affordable fees.
• Various sending methods.
• Multiple Money Transfers Locations

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How to Send Money Without a Bank Account Through an International Transfer Platform

Comun allows you to send money to your loved ones for a modest transfer fee starting at USD 2.99 up to the applicable limits. It is very simple; just follow these steps:

1. Open your account with Comun; it will only take a few minutes!

2. Choose the most convenient delivery method for your recipient, such as cash pick up at a physical store like Oxxo, Grupo Elektra, 7 Eleven, and more.

3. You may also send money directly to a bank and have it picked up at one of its branches.

4. Track the delivery directly in your Comun mobile application.

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Comun is an excellent option for our community, as it provides Spanish-language service, which is highly appreciated by the immigrant community. Open your account today and start sending money without complications.

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What Information Do You Need to Send Money Without a Bank Account?

To send money without a bank account, you only need the following information about your recipient:

• Full name of the recipient, exactly as it appears on their official ID.
• Recipient’s phone number.
• If the transfer is made to a bank account, you will also need:
  
  • Recipient’s address.
  • Bank account number, depending on the receiving country.

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P2P Services

P2P (peer-to-peer or person-to-person) services allow immediate money transfers between individuals without intermediaries. These options are useful for everyday needs such as paying rent, shared services, splitting transportation costs, and sending money to your relatives in the US or internationally.

How to Send Money Without a Card Using P2P Services

1. Choose a reliable provider, such as Cash App or Venmo.
2. Enter the recipient’s phone number in the mobile app.
3. Confirm the transaction and track it.

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Sending Money by Mail

Other alternatives involve sending a cashier’s check, a certified check, or a money order through the postal service.

Cashier’s Check

This type of check is issued with the bank’s funds. The customer must pay in cash or directly from their account, and the check is made payable to the recipient.

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Certified Check

This check is issued using the customer’s funds. The issuer must have a bank account so that the bank can verify the availability of funds. The recipient may cash the check directly at a bank branch.

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Money Order

Another way to send money without a bank account is by using a money order, which is a type of prepaid payment order. To do so, you will need to:

1. Go to a post office or authorized retailer, such as USPS or Walmart, to purchase a money order.

2. Write the beneficiary’s name in the “pay to the order of” section.

3. Write your name in the “purchaser” section.

4. Sign in the space designated for the purchaser, generally on the front of the document.

5. Keep the receipt with the serial number.

6. Pay the amount to be sent plus applicable service fee.

7. Send the money order via regular or certified mail.

8. Write the recipient’s address in the center of the envelope and the sender’s address in the upper left corner.

9. Purchase a postage stamp at the post office and attach it to the envelope.

10. Drop off the envelope at the post office.

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The recipient may cash the money order at an authorized branch upon presenting valid personal identification.

The downside of this alternative is that it takes longer to arrive, as it relies on a traditional mailing method.

Sending Money With Prepaid Load

There are other options available to send money without a bank account, such as prepaid cards and mobile applications.

Reloadable Prepaid Cards

Reloadable prepaid cards function similarly to debit cards, with the main difference being that they are not linked to a bank account. They also allow you to pay for services and make online purchases.

To send money using a prepaid card, you only need to:

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1. Identify an international money transfer service that supports prepaid cards, such as Western Union or MoneyGram.

2. Select your preferred provider and choose the prepaid card option on their website.

3. Enter the recipient’s information, making sure it is compatible with the selected platform.

4. Confirm the transfer and pay the amount plus the applicable service fee.

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Done! The recipient will receive the money on the prepaid card as if it were a bank transfer.

Mobile Wallets/Applications

Lastly, you may opt for mobile wallets or applications that offer money transfer capabilities. Some examples include Cash App, Venmo, and Remitly, which provide access to an mobile app you can use to send and receive money.

These applications do not require a bank account and are user-friendly. Some also offer physical cards that function similarly to debit cards.

7 Essential Tips for Sending Money Without a Bank Account

1. Verify the Identity and Information of the Recipient

Ensure that the recipient’s information, such as name, account number, or phone number, is entered correctly. Any discrepancies could prevent the recipient from collecting the funds.

2. Compare Fees and Exchange Rates

Each provider has its own rates depending on the receiving country, amount, and exchange rate. Remember, with Comun you do not pay excessive fees, and you ensure your family receives more for less.

3. Know the Sending Limits

Some platforms have sending limits that should be considered before selecting a service. For instance, Western Union has a daily limit of USD 7,499, while Cash App allows up to USD 7,500 per week for verified accounts.

4. Keep All Receipts and Reference Numbers

Even though these methods are secure, it is important to keep receipts and reference numbers in case a clarification or issue arises.

5. Use Reputable and Secure Services

It is essential to ensure that you use a trusted service. Check online reviews and verify that the provider has an official website and/or physical offices.

6. Be Cautious of Scams

Unfortunately, scams are common around financial services. No legitimate institution will request passwords or verification data. Always access official websites. If in doubt, visit an authorized branch.

7. Consider Delivery Time

Most options allow you to complete transfers in minutes, but some may take several days. Consider this before choosing your preferred service.

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Frequently Asked Questions

Is it safe to send money without a bank account?

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Absolutely. Comun is backed by leading financial institutions to protect your funds up to the applicable limits. Additionally, you can track your transfer directly through the Comun mobile app.

How much does it cost to send money without a bank account?

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Comun offers a transfer fee starting at USD 2.99, regardless of the amount you send up to the applicable limits. Your first transfer is commission-free!

How long does it take for the money to arrive?

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Cash is typically available within approximately 1 hour at the selected store or bank branch.

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What documents do I need to send/receive money without an account?

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You need the full name of your recipient, and they must present official identification.

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