How to Send Packages from the United States to Mexico Without Complications

Being far from family and friends is one of the main challenges faced by immigrants living in the United States. Fortunately, sending mail is a way to maintain the bond with loved ones across borders.

In the United States there are several options for sending packages to Mexico. Below we explain the features of each service so you can choose the one that best fits your budget and needs.

Main Package Delivery Services from the United States to Mexico

There are two shipping options from the United States to Mexico: through USPS or private courier companies.

United States Postal Service (USPS)

These are the main United States Postal Service (USPS) shipping services and their characteristics. Please refer to their website for the most up-to-date information. 

Priority Mail Express

• Delivery prices: starting at approximately $59.50 for standard international services.

• Time: 3–5 business days.

• Main features: offers express international delivery service, full tracking and limited insurance for certain types of packages.

Priority Mail

• Delivery prices: starting at $30.90 for standard international shipments.

• Time: 6–10 business days.

• Main features: offers full tracking and moderate prices. Ideal for medium-sized packages that need to be delivered quickly.

First-Class Mail

• Delivery prices: starting at $14.05 for envelopes.

• Time: varies between 7 and 20 business days depending on customs processing.

• Main features: an economical service ideal for sending documents and envelopes. In many cases tracking is only available until the package leaves the United States.

Private Courier Companies

There are also private courier company alternatives that offer excellent service and additional shipping options. Please refer to each courier’s website for most up-to-date information.

FedEx

• Delivery prices: rates vary by package size, but they offer flat rates for packages up to 15 kilograms and an additional charge for extra weight.

• Time: 3–5 days for express service.

• Main features: international coverage with home delivery and includes customs paperwork.

UPS

• Delivery prices: variable rates depending on package size and weight.

• Time: 2–5 business days.

• Main features: online tools for quoting and tracking packages plus strong presence in the United States.

DHL

• Delivery prices: international shipments starting at $50.

• Time: 2–5 business days with express service.

• Main features: international presence, fast home-delivery service and online rate calculator.

Below is a comparison table to help you view the information more clearly.

Company

Type of Service

Estimated Cost

Average Time

USPS

Priority Mail Express

From $59.50

3–5 business days

USPS

Priority Mail

From $30.90

6–10 business days

USPS

First-Class Mail

From $14.05 for envelopes

7–20 business days

FedEx

International Express Service

Prices vary depending on size and weight

3–5 business days

UPS

International Express Service

Prices vary depending on size and weight

2–5 business days

DHL

International Express Service

Prices vary depending on size and weight

2–5 business days

Factors That Affect the Price and Delivery Time of Your Package

As seen in the previous section, it is impossible to precisely estimate the shipping cost and time for each courier service from the U.S. to Mexico. Several factors influence the final result, explained below.

Package Weight and Size

This is the main factor that affects the final cost of an international shipment — the heavier and bulkier the package, the higher the rate. Also check whether the company has a maximum shipping weight.

ZIP Code and Destination Location

The final destination also matters. Sending a package to Mexico City is usually cheaper than to a rural area.

Type of Service Selected

Express or priority shipping services are faster and therefore more expensive.

Peak Seasons and Holidays

If you ship during Christmas, New Year or high-demand dates, expect possible delays or extra costs.

What Do You Need to Send Packages from the United States to Mexico?

Before going to your preferred shipping carrier’s office, make sure all information is ready to avoid delays and ensure your package reaches your loved ones without issues.

Step 1. Check Customs Restrictions

Make sure your package does not contain restricted items for entry into Mexico, such as perishable food, flammable liquids or counterfeit goods. If unsure, check customs rules.

Step 2. Pack and Label Your Package Properly

Use a proper box or purchase one at the post office. If the contents are fragile, protect them well and place the label correctly when closing the box.

Step 3. Verify the Recipient’s Information and ZIP Code

Double-check as many times as needed that recipient details (name, ZIP code, neighborhood) are accurate. Even small errors can send a package to the wrong place.

Step 4. Keep Your Tracking Number and Shipping Receipt

Finally, keep the tracking number and receipt; they let you track the package and clarify any issues if needed.

Tips to Save Money and Time on Your International Shipments

We understand how important it is for immigrants to send packages to Mexico from the United States. More than a packaged product, it represents birthday gifts, greetings from afar, and fulfilled dreams for the people you love most.

That’s why it’s important to follow these tips when sending a package to Mexico.

• Compare prices before shipping: remember that some services offer a flat rate, but the final cost depends on weight and size.

• Avoid weekends or holidays: in addition to being more expensive, shipping may face delays.

• Take advantage of promotions or loyalty programs: stay attentive to promotions offered by postal companies.

• Group shipments whenever possible: try sending several items in the same shipment instead of one by one.

Send Packages to Mexico and Manage Your Finances with Común

Sending packages to your loved ones in Mexico is a way to show them they’re still important to you. That’s why planning your shipments—and your finances—is essential.

Get to know Común, the digital platform that helps immigrants manage their money in the most accessible way, as you can open an account using a qualifying official identification from your home country.

Just as your packages travel with care, Común supports your financial well-being.

Open your account with Común and stay connected with your loved ones through remittances.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long does a shipment from the United States to Mexico take?

It depends on the courier company, but in general, an express service takes 3 to 5 business days.

How do I track my package?

When you send your package, you’ll receive a tracking number so you can follow it until it reaches its destination. Some courier options only provide tracking until it leaves the United States.

What is the most economical way to send a package to Mexico?

The USPS First-Class Package International Service is ideal for economical shipments, though the delivery time is usually longer.

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Basic requirements to file taxes for the first time in the United States

Although getting a job in the United States brings a series of benefits for the quality of life of immigrants and their families, it also means committing to fulfilling the obligations required by the country's laws.

Filing a tax return is one of the processes everyone who has earned income must complete. This is done by submitting a report of annual income to the Internal Revenue Service (IRS).

Filing a tax return is particularly important for everyone, as it opens the door to access financial services such as mortgage and  personal loans, which in turn help build a financial record especially for immigrants.

Filing taxes is a stressful and often confusing process for most people, especially when it involves understanding the tax institutions of another country.

Below, we show you a step-by-step guide to help you fulfill your tax obligations in the U.S. and access the benefits that come with it, such as receiving refunds and building a financial record in the country.

What documents do you need to file your taxes?

The first thing you should know to file your tax return in the U.S. is the documentation required by the IRS to process your information.

Make sure you have the following documents:

• Tax Identification Number: if you do not have a Social Security Number (SSN), you must apply for an Individual Taxpayer Identification Number (ITIN).

• Qualifying official identification from your home country: valid passport, driver’s license, or any official document that verifies your identity.

• Proof of income: W-2 forms if you are a salaried employee and your employer withholds taxes, and Form 1099 if you are self-employed.

• Proof of address in the United States: utility bill or rental agreement.

• Financial information: checking account and routing number to receive your refund through direct deposit, if any.

Tax preparation: step by step for your first filing

It is important to stay alert during tax season and prepare in advance to meet the deadlines established by law.

Follow these steps to ease the stress of tax obligations.

Step 1. Gather all your documents

The first step is to gather all the necessary documents to file your annual tax return.

• Form W-2: this document details your salary and the amount of taxes already withheld; request it directly from your employer.

• Form 1099: used by people who work independently.

• Benefit or assistance letters: if you receive any government benefit or tax credit, the IRS sends letters to include in your tax return.

Step 2. Choose how to file

Once you have your documentation in order, you must decide how you will file your return: on your own or with professional help.

• Self-prepared tax filing: you can use various IRS-approved tax preparation software such as IRS Free File, TaxSlayer, or TurboTax, which simplify the process by automatically calculating your taxes.

• With the help of a tax preparer, if you have multiple income sources or are self-employed, the best option is to hire an authorized preparer to ensure everything is filed correctly. You can also go to a community organization that offers low-cost assistance.

Step 3. File your tax return in the United States on time

Keep in mind that the deadline to file your tax return is usually April 15 each year. It is essential to submit your tax return within the deadline to avoid penalties and delays in receiving your refund.

How much does it cost to file taxes, and which option is best for you?

As mentioned before, there are different ways to file your tax return, which vary in cost and level of support offered. The best option depends on several factors, such as your income level and how familiar you are with tax topics.

Below is a comparative table of the different ways to file taxes in the United States.

Method

Approximate cost

Level of support

Doing it yourself with IRS-approved software

Free or up to $25

Low. Although the platform guides you step by step, you must enter all the information yourself.

With the support of community organizations

Free or up to $50

Medium. You receive assistance from certified volunteers.

With private preparers or accountants

$150 to $500, depending on complexity

High. The preparer does all the work and answers your questions.

Practical tips to avoid mistakes in your first tax filing

If this is your first time filing taxes in the United States, it may seem like a very complex task. Keep these tips in mind to ease the stress associated with the process.

• Don’t wait until the last minute to file: keep the deadline in mind and prepare several weeks in advance.

• Verify that all forms match your income: remember that the required form depends on your type of work. Make sure your income matches what you report.

• Keep copies of all submitted documents: create both a physical and digital file to have every record handy.

• Check official IRS resources for immigrants: always access official websites ending in .gov.

• Avoid relying on third parties that promise higher refunds: remember that tax preparers or community organizations must be certified by the IRS to ensure your filing is done properly and your personal data remains secure.

Común, your financial support after filing your taxes

We’ve shown that the tax filing process is not as complicated as it seems. Now you know which steps to take and which method to use based on your situation.

Just as filing taxes helps you organize your financial situation, Común helps you manage your day-to-day finances.

Discover all the benefits of Común!

• Open a checking account with a qualifying official identification from your home country.

• Mobile app available in Spanish and English, specially designed for the immigrant community.

• Ability to receive your tax refund directly into your account.

• Debit card for daily expenses and international money transfers to Latin America.

Discover Común, the option dedicated to serving the needs of immigrant communities in the United States, with support available in Spanish.

Frequently Asked Questions (FAQ)

If you still have questions, check this section.

What happens if I don’t file my taxes in the U.S.?

Not filing your tax return may result in IRS penalties, accumulated interest, and withheld future refunds.

Can I file taxes without a Social Security Number?

If you do not have a Social Security Number, you can apply for an ITIN.

Is it better to file my taxes myself or with a tax preparer?

It depends on your situation: if you have only one source of income, you can use software, but if your income is higher or more complex, the best option is to consult a professional.

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Sending Money to Latin America? What You Need to Know About the New 1% Tax

If you send money home to Mexico, Guatemala, Colombia, El Salvador, Honduras, or anywhere else in Latin America, a new federal law may affect the fees you pay per money transfer, depending on how you send it.

On July 4, 2025, the United States enacted the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, which introduced a new federal excise tax on certain international money transfers. The tax, set at 1% of the transfer amount, applies to remittances made on or after January 1, 2026. However, not all transfers are taxable.

If you send money from a US bank account or using a US-issued debit or credit card, your transfer is exempt from the tax by statute. The tax applies only when you pay with cash, a money order, a cashier's check, or a similar physical instrument.

Understanding whether this tax applies to you and how it may affect your transfers can help you send money home with fewer surprises.

What Is the New 1% Remittance Tax?

It imposes a 1% federal excise tax on certain outbound remittance transfers, meaning money sent from a sender in the United States to a recipient in a foreign country, through a remittance service provider.

The tax is codified under IRC Section 4475, added to the Internal Revenue Code by Section 70604 of the OBBBA. It applies to all senders, regardless of citizenship or immigration status.

The tax was effective for transfers made after December 31, 2025, with collection beginning January 1, 2026.

Who Pays the Tax? Who Doesn't?

The key factor is how you fund the transfer, not how much you send, not where it goes, and not your immigration or citizenship status.

This means that if you often send money back home with a remittance service provider with physical locations (for example Western Union or MoneyGram) and pay with cash, a 1% tax will be added to your total transfer amount.

However, if you send money through a digital app or bank account linked to your US checking or savings account, or pay with a US-issued debit or credit card, the transfer is exempt from the tax under Section 4475.

How Is the Tax Collected?

The tax is collected at the point of transfer. When a taxable transaction occurs, the remittance transfer provider is responsible for collecting the 1% from the sender at the time the transfer is made.

Providers must then deposit the collected taxes with the IRS on a semimonthly schedule and file quarterly returns.

The Remittance Landscape in 2026

For millions of families across Latin America, the money that arrives from a relative in the United States can pay the rent, cover school fees, or put food on the table. In 2024, Latin America and the Caribbean received an estimated $161 billion in remittances, the vast majority sent from the US. Mexico alone received over $63.3 billion. In countries like El Salvador, Guatemala, Nicaragua, and Honduras, remittances represent between 19% and 26% of GDP.

For people already stretching every dollar between their own expenses in the US and the needs of family back home, an additional cost on each transfer can have an impact. How much it affects you depends largely on the tools available to you.

Cash agent networks (Western Union, MoneyGram, Intermex):

These are the traditional in-person options, often used by senders who mostly manage cash. Transfers funded with cash at these locations are subject to the 1% tax.

Digital apps (Remitly, Wise, Xoom, Común, and others):

These platforms typically process transfers from a linked US bank account or US-issued debit or credit card. These payment methods are exempt from the tax under Section 4475. However, fees and exchange rate margins may vary by provider.

Bank wire transfers:

Transfers sent directly from a US bank account at a Bank Secrecy Act–compliant institution are exempt from the tax by statute. Bank wire fees can be higher than digital app fees.

What This Means for You

If you send money home regularly, you already know that there are costs involved: transfer fees, exchange rate margins, sometimes a fee on the receiving end. Now, depending on how you send money, there may also be a new 1% federal tax. That may not sound like much in isolation, but if you're someone already careful about managing what to keep and what to send, it can add up.

There is no single right answer for everyone. Some people that have a US bank account can shift to a digital transfer method. Others who don't have that option yet, or may have reasons for continuing to send through an agent location. Whatever your situation is, a few things may help:

Know what you're being charged:

Before confirming any transfer, you should be able to see the fee, the exchange rate, any applicable taxes, and the exact amount your family will receive. Review everything before you hit send. Some service providers, like Común, offer in-app tools to help you calculate the costs before sending anything.

Compare the total cost:

A provider that charges no transfer fee but offers a weaker exchange rate can potentially cost more than one with a modest flat fee and a fair rate. The number that matters is what arrives on the other end.

If you have a US bank account or debit card, ask your provider about your options:

Transfers funded from a US bank account or US-issued debit or credit card are exempt from the tax under the current statute.

Ask your provider directly how they handle the tax:

Some providers may have updated their apps, websites, or agent instructions. If you're sending via a digital channel linked to your US bank account or debit or credit card, ask whether that payment method qualifies for the statutory exemption.

Manage your remittances confidently with Común

Having an account to receive electronic payments, track your spending, and send money directly may help make managing your financial life in the U.S. more convenient. Común accepts more than 100 valid Latin American IDs to open a debit account. With Común you get:

• A $2.99 flat fee per remittance transfer, with no hidden charges
• A checking account held at Community Federal Savings Bank, Member FDIC. Deposits are FDIC insured up to the applicable limits
• Transparent, in-app pricing where you can see exactly what each transfer will cost, including fees and the exchange rate, before you confirm
• 24/7 customer support in Spanish
• Cash pickup options for your recipient
• The ability to send transfers from the comfort of your phone

To learn more about Común's remittance services, visit comun.app/remittances.

FAQ

What is the new 1% Remittance Tax?

It is a federal excise tax introduced by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, codified as IRC Section 4475. It imposes a 1% tax on certain outbound money transfers from the United States to recipients in foreign countries. It applies only to transfers funded with cash, money orders, cashier's checks, or similar physical instruments.

When does the new remittance tax take effect?

The tax applies to remittance transfers made on or after January 1, 2026. It was signed into law on July 4, 2025, as part of the OBBBA. The IRS granted penalty relief to providers for the first three quarters of 2026, with full enforcement expected beginning Q4 2026.

Who has to pay the 1% tax?

The tax is owed by the sender, but it is collected and remitted to the IRS by the remittance transfer provider at the time of the transfer. It applies to all senders, regardless of citizenship or immigration status.

Are all money transfers from the US subject to the new tax?

No. The tax applies only to transfers funded with cash or physical instruments. Transfers funded from a US bank account at a Bank Secrecy Act–compliant institution, or paid with a US-issued debit or credit card, are exempt from the tax by statute.

How is the tax collected?

The remittance transfer provider collects the 1% tax from the sender at the time of transfer. Providers must deposit collected taxes with the IRS on a semimonthly schedule and file quarterly returns using Form 720.

How can I tell if my transfer is taxable?

It depends on how you're funding the transfer. If you are paying with cash, a money order, or a cashier's check at a remittance agent, the 1% tax likely applies. If you are sending money through a digital app or bank account using your US checking account or a US-issued debit or credit card, the transfer may be exempt under the current statute. Ask your provider directly to confirm how your specific payment method is classified.

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Do you really know what remittances are? They are international money transfers made by people living and working abroad to family members or recipients in their home country.

For Latin American immigrants living in the United States, sending remittances is a crucial matter, as is having efficient financial services that allow them to send money to their families and friends quickly, safely, and at low cost.

According to recent sources, the flow of remittances from Mexico to the United States fell 12.4% year over year, which is attributed to recent immigration measures imposed by that country. For this reason, it is important that migrants have international money transfer services that understand their needs.

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Why Do People Send Remittances?

For the families of migrant workers in the United States, remittances represent much more than a simple transfer of money, as they often become the main support for millions of people in Latin America.

These Are the Main Reasons to Send Remittances:

Household expense support (rent, utilities, food)

This category includes basic expenses such as food, rent, utility payments, and everything related to daily costs, highlighting the importance of remittances for recipient families.

Education and study tools

Includes payment of tuition, school supplies, transportation, preschool fees, and computing tools such as laptops or desktop computers.

Health and family emergencies

If any family member requires specialized medical care, remittances play a central role in covering hospitalization, medications, treatments, and more.

Targeted savings (e.g., family home improvements)

It is also common for migrants to use remittances to build or renovate their family homes, thereby improving their quality of life.

Unexpected expenses during travel or temporary stays

Remittances may also be useful to cover unexpected travel expenses, related to unforeseen illnesses, flight cancellations, or unplanned charges.

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How Do Remittances Work and What Options Exist?

Currently, there are several remittance service options you can rely on to send money to your relatives.

Traditional banks, such as Bank of America and Wells Fargo, allow you to make remittance transfers through their digital banking services or directly at branches.

There are also specialized sending agencies, such as Western Union, one of the most widely used and longest-standing remittance services in the United States, with a global presence in more than 200 countries.

The information that traditional banks and agencies will generally require to send money includes:

• Beneficiary’s full name

• Beneficiary’s account number

• SWIFT code

• Receiving country

• Amount and currency

Finally, you can choose digital platforms, which allow you to send money through mobile apps and, in general, offer more competitive options regarding costs and delivery times.

Común is one of these platforms, integrating the fintech experience with various benefits, such as a digital account and an easy to use mobile app, that is available in Spanish. Común accepts more than 100 qualified official IDs from your country of origin to open an account and offers different options for receiving money: into a local bank account or cash pickup. With Común, send money to your relatives for clear and competitive rates, from $2.99 ​​USD and send up to applicable limits.

These Are the Characteristics of Each Available Remittance Sending Option:

Traditional Banks

Traditional banks are a safe option to send money through wire transfer. The advantage is that they are fully established institutions in the U.S. financial system.

However, they have certain limitations, such as high fees, which can reach 60 USD depending on the bank. Additionally, transfers also tend to be slower, taking up to 5 business days.

To access this service, it is necessary to open a bank account at a traditional U.S. bank, or resort to sending cash directly at a branch.

Money Sending Agencies

Specialized agencies for international money transfer, such as Western Union, are also a reliable alternative you can use.

However, fees are usually high and exchange rates less competitive, similar to traditional banks. Although delivery times tend to be shorter.

Digital Platforms

If you are looking for an option to make international bank transfers, digital platforms are a great option. In addition to more accessible opening requirements, they offer far more competitive fees compared to the two previous alternatives.

Remember that Común offers you a comprehensive digital platform to connect with your loved ones in a simple and fair way.

Costs, Timeframes, and How to Save When Sending Remittances

The cost of sending remittances depends on three main factors:

• Sending fee: this is the commission charged by the provider for offering its sending services. This amount varies depending on the method, amount, receiving country, and involvement of intermediaries. The fee may be variable or fixed. One option is to choose a service with a fixed fee, to avoid paying more than expected.

• Exchange rate: a common practice among remittance services is not using the real market exchange rate, but adding a margin that reduces the total amount to be received.

For example, if the dollar price is 18 Mexican pesos, and the remittance service offers it at 17.50, when sending 500 USD, the total amount to be received will be reduced by 250 pesos.

• Possible charges to the recipient: Some traditional banks may charge fees for receiving transfers from foreign countries, so it is important to also verify the recipient’s conditions.

Good Savings Practices for Sending Remittances

To ensure your family receives the maximum amount possible, we recommend following these tips.

Check if there are margins in the exchange rate

The ideal choice is a provider that uses the real exchange rate or as close as possible. Otherwise, your recipient will receive a significantly smaller amount.

Prefer fixed and transparent fees

Understanding sending fees can be confusing, since several services use ranges that vary according to numerous criteria. The recommended approach is to look for a provider that offers fixed fees and with no hidden costs.

Always compare the amount received (not just the fee)

Remember that, in addition to the sending fee, you must consider the exchange rate and how much the amount to be received is reduced after applying this margin.

Avoid data errors to prevent delivery delays

Check your recipient’s information and make sure it is written correctly.

Consider the sending time and holidays in both countries

In many cases, transfers may be delayed if they are made on weekends or on holidays in either country.

Use platforms with support available in Spanish to resolve questions quickly

It is important to choose a service capable of answering your questions in your language and understanding your needs as a migrant.

Get Ready to Start Sending Remittances with Común

Every month, millions of dollars are sent from the United States to Latin America, representing an emotional and financial bridge between immigrant families and their homes, for whom remittances are a primary source of income.

Before choosing a remittance service, don’t forget to check the total amount your household will receive, considering the fee, exchange rate, and possible receiving charges. We recommend choosing a financial solution with transparent costs, support available in Spanish, and you can open your account with qualifying official ID from your country of origin.

Discover Común, the comprehensive platform that offers you low fees, with fees starting from $2.99, and send up to the applicable limits, and support available in Spanish. Open your account today and connect with your loved ones, send them money transparently.

Frequently Asked Questions (FAQ)

What happens if I don’t claim a remittance?

Remittances usually have a validity period established by the provider. Once that period expires, the money is not lost but the transaction may be canceled. In such cases, the sender may reissue it or request a refund depending on the provider’s policies.

What is the difference between a remittance and a transfer?

The main difference between the two lies in their intended purpose. Remittances are money transfers with a personal motive, commonly used to send money to relatives in other countries, whereas the purpose of a bank transfer can vary, ranging from commercial to personal payments, among others.

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

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

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

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

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

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

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

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

SWIFT Transfers

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

Characteristics of the SWIFT system

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

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

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

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

SEPA Transfer

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

Characteristics of the SEPA system

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

• Fees are more affordable compared to the SWIFT system.

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

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

Here is a comparison table:

Factors that influence the time of an international money transfer

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

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

Payment system

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

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

Intermediary banks

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

Cut-off times and business days

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

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

Currency conversion and destination country

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

Security verifications and compliance controls

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

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

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

Sender’s information

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

Beneficiary’s information

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

Bank codes

• IBAN: for transfers within the European Union.

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

Amount and currency

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

Purpose or payment reference

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

How can you speed up an international money transfer?

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

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

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

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

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

Make your international money transfers quickly and safely with Común

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

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, check our FAQ.

What is the average time of an international money transfer?

Approximately 1 to 5 business days.

Why do some transfers take longer than usual?

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

Can I send money on weekends?

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

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

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

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

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

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

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

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

Requirements to Buy a House in the United States

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

Identity Documents

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

Passport

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

Tax Identification Number

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

Financial Preparation

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

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

Proof of Income

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

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

Employment Letters

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

This document must include:

• Company name and contact details

• Applicant’s position

• Date of entry into the company

• Annual or hourly salary

• Signature and position of the issuer

Banking Account

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

Funds Available for Down Payment and Closing

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

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

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

7 Steps to Buy a House in the United States

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

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

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

Price table

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

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

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

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

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

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

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

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

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

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

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

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

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

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

• Mortgage signing, if applicable

• Signing of the property transfer

• Transfer of down payment and closing costs

• Registration of deeds in your name

Welcome to your new home!

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

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

Additional Costs to Consider

• Property taxes

• Home insurance

• Closing costs

Practical Tips for a Safe Purchase

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

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

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

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

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

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

Minimum wage in the United States in 2026

The federal minimum wage remains $7.25 per hour, unchanged since 2009 under the Fair Labor Standards Act.

However, that number does not reflect what all workers earn. Many states, some cities and counties have set higher minimum wages, which means that your legal minimum pay depends on where you work.

Understanding the minimum hourly wage in the USA is not just about knowing the federal number. It's about knowing whether you are being paid what you are legally owed.

Why has it stayed the same for so long?

Changes to the federal minimum wage require approval from Congress. While there have been multiple proposals to increase it, none have passed into law. As a result, the federal rate has not kept up with inflation or the rising cost of living.

In practice, this means the federal minimum wage acts as a baseline, not the standard in many parts of the country.

Minimum wage by state in 2026

Workers must be paid the highest applicable minimum wage, whether it comes from federal, state, or local law.

Below is a representative minimum wage by state table for 2026. It is important to always verify your local rate, as some cities have higher minimums.

Source: https://www.dol.gov/agencies/whd/minimum-wage/state

A few things worth noting: The states in the $7.25 group include states that adopted that rate under state law, while Georgia and Wyoming technically maintain a lower state minimum wage of $5.15 per hour. However, for most employees covered by the Fair Labor Standards Act (FLSA), the federal minimum wage of $7.25 per hour generally applies instead.

Three states have mid-year increases scheduled for 2026: Alaska jumps to $14.00 on July 1, Florida rises to $15.00 on September 30, and Oregon adjusts as well.

States with the highest minimum wage

Some states and cities have set wages far above the federal level to match actual local living costs. The highest minimum wages in 2026 are found in:

• Washington, D.C. at $17.95
• Washington State at $17.13
• Connecticut at $16.94
• California at $16.90

If you are working in one of these places, your pay should reflect at least those standards and not the federal minimum.

States with the lowest minimum wage

Several states' laws set their minimum wage below what the federal minimum wage indicates; in this case the federal standard of $7.25 per hour takes precedence. Some of them are:

• Georgia at $5.15
• Wyoming at $5.15
• Alabama and Louisiana — no separate state minimum wage law

If you live and work in these states and work minimum wage, your salary should reflect the federal minimum hourly wage in the USA.

Minimum wage for tipped workers

For tipped workers, it's important to understand that federal law permits a lower base wage. Under the Fair Labor Standards Act, employers can pay as little as $2.13 per hour as long as tips bring total earnings to at least the applicable minimum wage.

If tips do not cover the difference, the employer must make up the gap. However, some states, like California, do not allow this lower rate and require full minimum wage regardless of tips. It is important to check with your official local authorities the specific laws in your state for tipped workers.

Minimum wage for young workers

Workers under 20 years old can be paid a youth minimum wage of $4.25 per hour during their first 90 consecutive calendar days of employment. After that period, or once the worker turns 20, employers must pay the standard minimum wage.

What if your employer pays you less than minimum wage?

If you are being paid less than the legal minimum wage, your employer may be violating federal, state, or local labor laws.

Workers generally have the right to:

• Be paid at least the applicable minimum wage
• Receive overtime pay where required by law
• Keep records of hours worked and wages received

Employees can report potential violations to the U.S. Department of Labor's Wage and Hour Division. In general, labor law protections relating to minimum wage and overtime apply regardless of immigration status.

How much do you earn on minimum wage?

Assuming full-time work at 40 hours per week, your monthly and annual income could look like this (before taxes):

These figures are estimates before taxes and depend on consistent full-time hours.

Is minimum wage enough to live in the U.S.?

In many parts of the country, the minimum wage does not fully cover the cost of living. Expenses such as housing, transportation, food, and healthcare vary widely by location. In states like California or New York, where the cost of living is high, even with better rates for minimum wages it may not be enough to support a family without an additional income.

It is important to consider the minimum wage and costs of living by state when choosing where to live and work.

How you get paid matters

Once you are earning, how you receive and manage your money can make a real difference. Some workers are paid by check or even in cash, which can make it harder to track income, build financial history, or send money to family.

Having a bank account or financial services platform may help:

• Receive direct deposits
• Track your income and expenses
• Send money securely to family members abroad
• Start building a financial roadmap to eventually access credit and build a credit history

For those who may not have access to traditional banking, there are a wide range of financial service providers and platforms including Común, which offer the ability to open a debit account with a passport or Matrícula Consular while you wait for your ITIN. You can manage your money through a mobile app which is also available in Spanish. Visit comun.app to learn more.

FAQ

Does the minimum wage increase in 2026?

The federal minimum wage remains $7.25, but many states continue to raise their rates annually.

What is the minimum wage in my state?

It depends on where you live. Always check your state and city laws, as local rates may be higher.

Can I be paid less if I am an immigrant?

No. Labor laws apply regardless of immigration status. You are still entitled to minimum wage and overtime protections.

Understanding your pay and what comes next

The minimum wage in the United States is not a single nationwide standard for all workers. It is a system shaped by federal law with state adjustments. Knowing the correct rate for your location is the first step. Making sure you are actually being compensated fairly is just as important.

Once you are earning, setting up a secure way to receive and manage your money can help you stay in control. With options like Común's debit account, you can receive direct deposits, track your income, and plan your finances in an app that is also available in Spanish. Visit comun.app to learn more.

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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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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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Unrecognized charge on my debit card: What to do in the United States?

If you notice an unrecognized debit card charge, one of the first steps is to lock your card, verify whether the transaction was actually unauthorized, and contact your financial service provider immediately. If you are a Común debit card holder, you can report suspicious activity directly through the app, email, or WhatsApp support.

Seeing an unrecognized charge on your debit card can be stressful, especially if you rely on your account for rent, groceries, transportation, or sending money to family. Unauthorized transactions can happen for many reasons, and debit card users in the United States have certain protections under the Electronic Fund Transfer Act (EFTA) and Regulation E.

It is also important to understand that not every unfamiliar transaction is considered fraud. Some charges may come from subscriptions, merchants using different billing names, or purchases made by someone who had permission to use the card.

What is an 'unrecognized' vs 'unauthorized' charge?

An unrecognized debit card transaction

is a transaction you do not immediately recognize. This does not necessarily mean fraud occurred. Examples: a merchant billing under a different legal name, a forgotten subscription renewal, a delayed hotel or gas station authorization, a trial membership converting into a paid subscription, or a family member using the card.

An unauthorized charge

generally means someone used your debit card or account information without your permission. Examples: purchases made after your card was lost or stolen, online purchases you did not authorize, potentially fraudulent recurring charges, or transactions occurring after your credentials were compromised.

It is important to understand that if you voluntarily gave your card, PIN, password, or account access to a family member, partner, or friend, those transactions may not qualify as unauthorized under Regulation E.

How can I identify a suspicious charge?

Checklist for an unrecognized debit card charge:

• Review the merchant name carefully — many businesses process payments under a parent company or billing processor that looks unfamiliar
• Check the transaction date — some charges appear several days after the original purchase
• Look for recurring subscriptions — streaming platforms, delivery apps, gyms, and trial memberships commonly renew automatically
• Verify the location — some online merchants process payments from another state or country even when the transaction was legitimate
• Ask family members — a spouse, child, roommate, or trusted person could have used the card
• Watch for small 'test' charges — fraudsters sometimes attempt small transactions before attempting larger purchases

What to do right away if you notice an unauthorized charge?

1. Lock your card immediately

If your financial service provider offers a card lock feature, you can temporarily freeze your card to help prevent additional transactions while you review the activity further.

2. Report the transaction to your financial service provider

Reporting a potentially unauthorized transaction promptly helps preserve certain protections available under applicable law. If you use Común, you can contact support through:

• In-app chat
• Email: ayuda@comun.app
• WhatsApp: +1 646 600 5660

When reporting the transaction, try to include: the transaction amount, merchant name, transaction date, and why you believe the charge is unauthorized.

3. Document everything

Take screenshots and save records of suspicious transactions, text alerts or emails, merchant communications, and subscription cancellation confirmations.

4. Change passwords and security settings

If you suspect your account information was compromised: change your password, update your email password, enable Face ID or Touch ID, review connected devices, remove suspicious app access, and if your PIN may have been exposed, change it immediately.

5. File a police report if appropriate

If your wallet was stolen, your identity may have been compromised, or the situation involves significant financial loss, contacting law enforcement and filing a police report may help support your case.

Your rights as a US Debit Cardholder

Debit card protections in the United States are primarily governed by the Electronic Fund Transfer Act (EFTA) and Regulation E.

What is the 'Visa Zero Liability' policy?

Visa's Zero Liability policy generally provides protection for eligible unauthorized transactions made with covered Visa debit cards, subject to applicable terms, conditions, and limitations.

Key aspects:

• Protection scope: may apply to certain unauthorized transactions involving lost, stolen, or fraudulently used cards
• No enrollment necessary: the policy applies automatically to eligible Visa cards without requiring special sign-up
• Prompt reporting: to qualify, you must promptly report potentially unauthorized transactions to your financial institution
• Limitations and exclusions: certain transactions, including commercial card or anonymous prepaid card transactions, may not be covered

How does the Común dispute process work?

Once you report an unrecognized or potentially unauthorized debit card transaction to Común, the investigation process may include several stages. Typical timelines may include:

• Initial review beginning within approximately 2 business days
• Potential provisional credit within applicable regulatory timeframes for qualifying disputes
• Extended investigations in certain situations
• Visa dispute or arbitration processes that may take up to approximately 90 days in some cases

What is not covered?

Some situations may not qualify as unauthorized transactions under Regulation E or Visa Zero Liability protections:

• Charges made by family or friends who had access to your card or account
• Transactions you approved but later disputed due to dissatisfaction
• Wallet-only customers without a Común debit card
• ComúnPay P2P transactions funded through external debit cards
• Cases involving negligence or false claims

How can I help prevent unauthorized charges?

Use card lock and unlock features:

Locking your card when not in use may help reduce unauthorized transactions.

Enable real-time transaction alerts:

Instant transaction notifications through the app can help you identify suspicious activity more quickly.

Use Face ID or Touch ID:

Biometric authentication features can help reduce unauthorized account access.

Protect your PIN:

Avoid sharing your PIN, even with people you trust. Never store it in unsecured notes apps or write it directly on your card.

Watch for phishing scams:

Fraudsters may impersonate banks through text messages, fake login pages, phone calls, or social media messages. Banks and service providers will not ask for your password or verification code through text message.

FAQ

What is an unrecognized charge on my debit card?

An unrecognized charge is a transaction you do not immediately recognize on your account. It does not always mean fraud occurred.

How long do I have to report an unrecognized charge?

Under Regulation E in the United States, reporting suspicious transactions promptly is important. Certain consumer protections may decrease after 2 business days and again after 60 days from the date the statement was sent.

Will I get my money back if I report an unauthorized charge?

It depends on the investigation results and whether the transaction qualifies as unauthorized. In some qualifying cases, consumers may receive reimbursement or provisional credit.

What happens if I let a family member use my card?

If you voluntarily shared your card, PIN, password, or account access, the resulting transactions may not qualify as unauthorized under Regulation E or applicable Visa Zero Liability policies.

How long does Común take to resolve a dispute?

Investigations may begin within approximately 2 business days. Some cases may be resolved more quickly, while more complex disputes or Visa dispute processes may take longer, including up to approximately 90 days in certain situations.

Final thoughts

An unrecognized charge on your debit card does not always mean fraud, but it is important to review unfamiliar transactions promptly. In the United States, Regulation E or the Visa Zero Liability protections can help limit your liability for qualifying unauthorized transactions, particularly when reported promptly.

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If you’re looking for a safe, simple way to manage your money, a digital wallet could be the ideal complement to your finances. It’s a mobile application that lets you bring together your cards and other financial products in one place.

In recent years, it has become a key tool for digital money management due to its convenience and security.

Below we explain in detail what a digital wallet is, common uses, advantages, and some examples of the most popular digital wallets in the United States.

What is a digital wallet and how does it work?

A digital wallet is an application for Android- or iOS-compatible devices that securely stores credit or debit card details, or bank account information and lets you access it quickly and safely to make digital payments and other transactions.

How it works is simple: you register your banking information in the app, where it’s encrypted to keep it secure and prevent third-party access. This lets you make electronic payments in seconds through several methods—scanning a QR code, using a smartphone with NFC technology, or selecting the digital wallet at checkout for online purchases.

There is a wide variety of digital wallets in the United States; the most popular include Apple Pay, Google Wallet, Samsung Pay, and PayPal.

Most common uses of a digital wallet

A digital wallet simplifies day-to-day transactions for the thousands of immigrants living in the United States. These are the most common uses of this type of tool:

Pay in-store and online

Using a digital wallet in a store is easy as long as the merchant accepts contactless payments. In that case, simply enable NFC on your phone and hold it near the payment terminal. The payment will process automatically without entering additional information.

To pay online, first make sure you’ve added your bank accounts to the wallet’s mobile app. Then go to the product or service page and choose your digital wallet as the payment option. You may be prompted to enter an authentication factor for security.

Send money to family and friends

Another common use of digital wallets—especially among immigrant users in the U.S.—is sending remittances quickly to their home countries. Depending on the app, these can be less costly than traditional banks.

Store cards and documents

A digital wallet is also a handy organizational tool for keeping not only financial products like debit and credit cards, but also other digital items such as transit cards, tickets, and discount coupons.

Manage your money better

These applications also make it easy to keep your finances organized, create monthly budgets, and stay on top of day-to-day transactions.

4 advantages of using a digital wallet

Managing your financial products with a digital wallet has several notable benefits that can completely change how you make digital payments.

1. Security: lower theft risk compared with carrying cash.

Carrying cash is always riskier than digital options because of loss or theft. A digital wallet removes the need to depend on cash and streamlines payments online and in physical stores.

In addition, your personal information is encrypted so only you can access it. You can also add app-level security like biometrics and passcodes, facial recognition, and Touch ID.

2. Convenience: everything is on your phone, without carrying multiple cards.

Beyond avoiding cash, a digital wallet also means you don’t need to carry physical cards everywhere—you can add your accounts in the digital wallet app and pay from your mobile device.

3. Financial inclusion: ideal for immigrants without easy access to traditional banks.

A common challenge for immigrants newly arrived in the United States is meeting the requirements to open a traditional bank account. In contrast, a digital account would be far more accessible option for everyday essentials like receiving money, paying bills, and sending remittances to Latin America quickly and easily.

4. Financial control: lets you review expenses and organize money more clearly.

With a digital account, you can more easily track your money by enabling notifications on your phone to stay aware of every payment.

It can also log all your transactions and help maintain a monthly budget to ensure your money covers your U.S. expenses while supporting family in Latin America.

Examples of popular digital wallets in the United States

• Apple Pay

This is Apple’s official payments service and is built into all its products by default, such as iPhone and Apple Watch. One major advantage is that more than 85% of merchants in the United States accept it.

Its wide acceptance makes it very convenient for immigrants, whether for everyday shopping or paying monthly bills.

It also offers Apple Cash, which functions like a digital card and allows sending and receiving money, but it’s only available in the United States.

• Google Wallet

This is a virtual wallet available to Android mobile users. It’s a more complete option than its predecessor Google Pay, with features such as tap-to-pay.

It’s very useful for immigrants because it also stores official documents like licenses and various IDs.

• PayPal

PayPal is one of the most popular digital wallets not only in the U.S. but worldwide. It lets you store payment information easily, and sending money to other countries is straightforward thanks to its wide coverage.

• Cash App

Cash App is an application that lets registered users send and receive money. It may be a suitable alternative if you need a debit card and ATM withdrawals.

Manage your money as an immigrant with Común 

In this article we showed you that a digital wallet is an application to store all your financial information in one place, plus the advantages, how they work, and the most popular brands in the United States.

If you want to simplify your finances, get to know Común, the platform that offers you:

• A checking account with clear, competitive fees.

• A debit card you can link to a digital wallet.

• Fast money transfers with affordable fees.

• Mobile banking available in Spanish and English

Open your Común account today with official ID from your country and start using your digital wallet to manage your money in the U.S.

Frequently asked questions

If you still have questions, see the section below.

What is the most reliable digital wallet?

You can choose options like Apple Pay, Google Wallet, and PayPal, as they have sufficient reputation for handling personal information.

How do I activate a digital wallet?

Download the application via Google Play or the App Store, create an account, add your cards, and complete the necessary verification.

Is it safe to use a digital wallet?

Yes, because they use encryption and tokenization to keep your information secure.

Living and working abroad? Remittances might be for you if you want to send money to family members, friends, or other beneficiaries in another country.

Remittance is money transfers from one person to another, usually across borders. They are most commonly sent by immigrants who send a portion of their income to support their families back home. However, remittances can also be personal gifts, financial support, or payments between relatives or friends who maintain social or economic ties despite the distance.

Do you know the difference between a remittance and a bank transfer payment?

Remittances can be money transfers, however what is commonly understood as remittances are voluntary person-to-person transfers, usually between family members. For example: a worker in Texas sending money to their parents in Mexico, a nurse in Florida sending money to her siblings in Honduras, or a student helping their grandparents in Guatemala. Bank transfers on the other hand, can include payments between companies, international trade payments, foreign direct investment, loans between corporations, or government aid.

In summary, remittances are personal, cross-border, person-to-person transfers.

How can you send remittances from the United States to Latin American countries?

Today there are more options than ever to send money to Latin America from the U.S. The process is usually very simple:

#1 Choose a remittance provider

Your remittance service provider can be a financial mobile application, a traditional bank like Wells Fargo, a specialized money transfer service like Western Union or MoneyGram, or a fintech company like Remitly.

#2 Select the destination country and delivery method

Each company offers different delivery options depending on their services and local partnerships. Delivery options vary in cost depending on the provider and the urgency.

#3 Enter the amount and confirm the exchange rate and fee

The amount received by the recipient varies by the exchange rate used by the provider and the service fee they charge. Some companies might charge no fees, but their business model relies on the exchange rate markup.

#4 Pay for the remittance

With so many options available, remittances can be paid with various methods including:

• Bank account (ACH).
• Debit card.
• Credit card (often the most expensive).
• Cash
  
  

#5 The recipient receives the money

It can take minutes to days for the recipient to receive the funds, depending on how the funds are received or by the type of remittance provider used to send the remittance. 

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How much does it cost to send remittances from the United States?

The total cost depends on two main factors:

1. Service fees

This is the fee the provider charges to send the remittance. It can range from $0 to over $20 USD per transaction depending on the provider and payment method used.

• Bank account: typically the cheapest.
• Debit card: mid-range cost.
• Credit card: most expensive (fees + potential interest)
  
  

2. Exchange rate costs

Some companies have different  exchange rates, making the remittance more expensive even if the service fee is advertised as “$0.” Sometimes the fee for the service provider is included within the added margins in exchange rates. 

3. Other possible additional costs

These may include cash pickup fees, limits for high transaction amounts, or fees charged by participating banks. It is important to understand the fees in remittance costs to be able to manage your funds in a way that makes sense to you.  

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What should you consider before sending money abroad from the United States?

To choose the best option, you can always consider:

1. Total costs (fee + exchange rate). Sometimes comparing only the fixed fee is not enough to fully understand the cost of a remittance or transfer.
   
   
2. Delivery time. If the recipient needs the money the same day, it could be best to choose an quick service.
   
   
3. Delivery method. Cash pickup can be useful if the recipient doesn’t have a bank account. Other options include bank deposit or digital wallets, which can be practical and low-cost.
   
   
4. Convenience for the sender. If you send money frequently, it is recommended to evaluate apps that allow saved recipients, automatic payments, recurring transfers, or exchange-rate alerts or options that adjust and serve your needs.
   
   
5. Limits and requirements. Not all money transfer service providers are the same. Some services require government-issued identification to provide their services, while others require a U.S. bank account and, in some cases, proof of identity (some providers accept foreign passports as proof of identity to send remittances if the sender can prove residency in the United States) for large transfers.
   
   

What Companies Offer Remittance Services from the United States?

In the U.S., there are several types of companies offering remittance services:

Traditional money transfer companies, for example: Western Union, MoneyGram, and Ria Money Transfer. These companies have physical branches in many locations. Fees could be higher than alternatives and the exchange rates can be less competitive.

Traditional banks: However, not all banks provide this service, but institutions like Bank of America and Wells Fargo allow international transfers through online banking or in-branch. However, it is important to consider that the fees can reach up to $60 USD depending on the bank, and transfers can take up to 5 business days. For this option, a bank account with the institution is needed or cash transfers are done directly at a branch.

Digital first companies (apps): Examples include Remitly, Wise, WorldRemit, and Xoom (from PayPal). These companies can offer more competitive pricing and faster transfers. These options are presented as an alternative to traditional banks or Western Union. Comun is one of these platforms, combining a fintech experience with extra benefits like a digital account and an easy-to-use app available in Spanish.

Convenience stores: For example, Walmart offers in-person remittance services. For example companies like Comun can also offer services like cash funding in retails or ATM locations. With a Comun open account you can deposit cash at one of over 90,000 retail locations (Walmart, 7-Eleven, Walgreens, and more)  and then complete the remittances conveniently from your app. 

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What do I need to send remittances from the United States to Latin American countries?

Requirements vary by provider and they depend on:

-How the remittance is sent, and
-How the remittance is received.

For example, if sending money for cash pickup, the most important information is the recipient’s full legal name as it appears on their official ID, since they’ll potentially need to present it to pick up the money.

For a bank-to-bank international transfer, the essential information includes the bank details for the receiving account.

Traditional banks and companies like Western Union generally require:

• Recipient’s full name.
• Recipient’s account number.
• SWIFT code.
• Receiving country.
• Amount and currency
  
  

How can you send remittances using Comun? 

Sending a remittance with Comun is very simple. You have two options at the palm of your hand, you can send it through the app or via WhatsApp. Here’s a detailed step by step on how to do it:

Through the Comun App

1. Open your Comun app.
2. Select “Transfer.”
3. Select “International.”
4. Under “How do you want to send your money?”, choose “Through the app.”
5. You’ll see the current exchange rate.
6. Select an existing recipient or add a new one.

*To add a recipient, you’ll need: full name as on their ID, phone number, and—if sending a bank transfer—their bank details.

7. Confirm the recipient’s information.
8. Choose the transfer method (bank deposit or cash pickup; options vary by country).
9. Enter the sender’s ID type and ID number.
10. Confirm transfer details.
11. Enter the amount (the calculator shows the amount the recipient will receive in local currency and the transfer fee).
12. Confirm the transaction.
    And that’s it—your remittance is sent!

Through Comun’s WhatsApp

1. Start from our website (by selecting “Send Money”), which will show the WhatsApp option — or.
2. From the app, select “Transfer.”
3. Select “International.”
4. Choose “Via WhatsApp.”
5. Follow the conversation flow.
6. Choose “Send money.”
7. Confirm the country.
8. Enter the amount.
9. You’ll receive a confirmation message showing the amount to be received in local currency.
10. Choose the delivery method.
11. Provide the recipient’s details: full name, ID type, ID number, and bank account (if applicable).
12. Confirm your remittance.
13. Verify your identity through the verification steps.
    And you’re done—your remittance is sent!

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Best Practices for Sending Remittances

To make sure your get the best out of your hard-earned money, it is recommended to keep some good practices in mind:

1. Verify the exchange-rate margin

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Ideally, choose a provider that uses an exchange rate as close as possible to the real market rate as this impacts the actual amount your recipient will receive. Understanding transaction costs can help make better financial decisions for your needs. 

2. Look for transparent, fixed fees
Comparing fees can be confusing because many services use variable pricing based on multiple factors. Ideally it is recommended to choose a provider that offers fixed fees and transparent pricing.

3. Consider timing and holidays in both countries

Keep in mind that transfers may be delayed during weekends or holidays in either country, so processing times may be slower than on regular business days.

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