Have you heard of Venmo? It is a digital payment application that has gained popularity in the United States in recent years. According to recent data, in 2024 the mobile application reached 68.3 million active users, representing an 8.8% increase compared to 2023.

The importance this mobile application has acquired cannot be denied, which is why knowing what Venmo is in the United States can be very useful to send and receive money from family and friends quickly and securely.

As a foreign national living in the U.S., you must ensure that you choose a financial platform that meets your needs for sending money to your home country and making payments with ease.

In this guide, we clarify all your potential questions about how to use Venmo in other languages like Spanish, what it is for, the requirements to open an account, the benefits this mobile app offers, and also its limitations.

What Is Venmo and How Does It Work?

Venmo is a highly popular P2P (peer-to-peer) payment mobile application in the U.S. Its primary purpose is to facilitate the instant transfer of money between friends and family, in addition to allowing users to link bank accounts and cards.

Venmo’s business model is based on charging fees for services such as credit card transactions, instant transfers of money to bank accounts, and transactions using its physical card.

Some of the most common reasons immigrants use Venmo include:

• Paying monthly rent
  
  
• Receiving wages from occasional jobs
  
  
• Paying or receiving money from friends and family
  
  
• Lending or repaying money to acquaintances
  
  

Key Features of Venmo: What Can You Do With It in the U.S.?

To fully understand what Venmo is in the United States, it is important to explore the functionalities this P2P payment service offers its users to simplify their lives:

• Instant sending and receiving of money between Venmo users
  These are the mobile app’s most important features, as it allows for instant transfers without charging a fee between Venmo users.
  It also enables adding notes or emojis to identify each transaction and the option to use the mobile app’s balance or a linked bank account.
  
  
• Use of Venmo Debit Card (Mastercard) for purchases
  Venmo also offers a physical debit card for making purchases at brick-and-mortar establishments. It is valid at any merchant that accepts Mastercard within the United States.
  Additionally, it includes an extra benefit: each purchase with the debit card accumulates cash back for greater savings.
  
  
• Direct deposit for wages and benefits
  You can use your Venmo account to receive your salary or other types of transfers. All you need is your personal QR code.
  
  
• Bank transfers to bank accounts
  Venmo offers two types of bank transfers: standard transfers, which are free and take one to three business days, and instant transfers, which incur a fee of approximately 1.75% and are completed within minutes.
  
  
• Payments to businesses and merchants that accept Venmo
  Another advantage of this service is the “Pay with Venmo” feature, which allows payments at physical or online businesses that accept Venmo.
  This streamlines transactions and enables you to use the balance deposited in the application directly.
  
  
• Social features: comments, “likes,” and bill-splitting
  Lastly, one feature that makes Venmo more appealing is the ability to add comments, likes, and emojis.
  This allows you to request payments from friends and family, add reminders, and split expenses among multiple users.
  
  
• Business profiles for companies
  Venmo allows small businesses and independent workers to create a business profile to receive payments directly into their account via username or QR code.
  
  

What Do I Need to Have Venmo? The Reality of Its Availability

Now that you know the benefits of this mobile application in detail, you probably want to learn the requirements to start using it.

Before learning how to pay with Venmo, remember that it only works in the United States.

These are the requirements to use Venmo:

• Have an Android or iOS phone
  As it is a mobile application, you must have a compatible Android or iOS smartphone and download the mobile app from the corresponding store.
  
  
• Register with a personal phone number
  To register in the mobile app, you need a U.S. phone number and must reside in the country, as Venmo is only available there. You may also register with an email address.
  
  
• Link your U.S. bank account
  Linking a bank account isn't required to create your Venmo account; you can receive money and pay with your balance or a card. However, most features require a linked bank account.
  
  
• Link a debit or credit card
  Another option to access all Venmo’s features is linking a credit or debit card instead of a bank account. This allows you to use the card’s balance for transactions directly from the mobile app.
  
  
• Verify your account
  Account verification is required to access all Venmo features, to confirm users’ identities. Verified users can send up to $60,000 per week, but only if their SSN or ITIN has been confirmed. Non-verified users can send up to $299.99 per week.
  
  

To verify your account, Venmo will request the following:

• Full legal name
  
  
• Mailing address in the United States
  
  
• Date of birth
  
  
• SSN (Social Security Number) or ITIN
  
  

How to Transfer Money from Venmo to My Bank Account?

To transfer money from Venmo to your bank account, once it is linked and verified, follow these steps:

1. Log into your account through the mobile app and go to the “Me” tab.

2. Press the “Transfer” or “Add” button.

3. Enter or edit the amount you want to transfer to your bank account.

4. Select the transfer method: “Instant” or “up to 3 biz days,” noting any applicable fees.
5. Confirm the transfer details and complete the process.

If you want more options for depositing money into another person’s account, do not miss these recommendations.

Limitations of Venmo for Immigrants: Why Is It Not a Complete Solution?

The need for immigrants to have an integrated solution allowing access to digital payments, transfers, and other benefits increases daily. Therefore, while Venmo is a popular option for sending and receiving money in the U.S., it may present limitations for immigrants working in the country.

One limiting factor for immigrant communities is the language barrier in customer support. Because it is a service designed for U.S. residents, it is not optimized for people who speak a different language, such as Spanish. In addition, you should have a U.S. bank account.

Your best option may be to entrust your financial assets to a service offered in your language.

Comun: An Excellent Alternative to Venmo for the Immigrant Community in the U.S.

We present Comun, the solution for immigrants seeking to improve the way they send and receive money to family and friends.

Why Is Comun a Great Option for Immigrant Communities in the United States?

• Comun allows you to open an account with the official identification from your country.
• It is also a platform available in Spanish without complicated terms.
  
• Unlike Venmo, Comun enables you to send remittances to LATAM for an affordable fee starting at $2.99, subject to applicable limits.
  
• Access a mobile application to perform your transactions from the palm of your hand.
  

If you think accessing quality financial services in the U.S. is impossible for immigrants, open your Comun account today and forget about complications.

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Disclosures:

“Comun is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Comun Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A Inc. and may be used everywhere Visa Cards are accepted.”

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

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

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

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

“Direct deposit funds are typically available when we receive the payment file, up to two days before the scheduled payment date. This early availability is not guaranteed.”

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One way to improve personal finances and optimize expenses is to apply modern, automated savings alternatives linked to daily purchases through various payment methods.

Los programas de recompensas con reembolso son una alternativa para que tu dinero rinda más, ya que ofrecen recompensas que te permiten obtener reembolsos en tus compras.

There are different ways to access these types of benefits: through automatic promotions from some credit cards, shopping platforms that reward users for shopping at their partner stores, and certain mobile applications that credit cashback for purchases like fuel.

Knowing and applying these strategies will help you improve your financial management and reduce your worries. Comun is the platform that helps you improve your financial relationship and make your life easier.

Below, we’ll explain how cashback reward works and share some tips to get the most out of it with the right financial platforms.

What is cashback and how does it work?

Cashback can be understood as a discount on your purchases. You earn cashback after buying a qualifying product or at a participating store.

Cashback appears in everyday purchases — for example, when you go to a café and pay with an eligible card, when you shop through an app that offers this benefit, or when you pay for gas with a cashback-enabled card.

Although the ultimate goal of cashback is to reduce part of the cost, it has some differences compared to traditional discounts.

Cashback Reward

Traditional discounts

Definition

Returns a percentage of your purchases after you make them.

Reduces a product’s price before purchase.

Advantages

• Generates passive savings, even with regular prices. Some programs combine other additional benefits.

• Immediate savings. 
• Available to all users, please note some might require registration.

Disadvantages

The cashback reward can take several days or weeks to be credited. Available only with participating cards or mobile apps.

• Availability depends on each store or seller. 
• Most discounts cannot be combined with other promotions.

The cashback reward varies depending on the financial institution or program offering it. To calculate it, use the following formula if cashback reward is by percentage:

Total Cashback Reward = (purchase amount) × (cashback percentage)

For example, if your debit or credit card offers 2% cashback and you spend $100, you get $2 back.

Here are the some of the ways to receive the cashback reward, depending on the program:

• Automatic deposit into the same account used.

• Balance accumulated in points until reaching a minimum withdrawal amount.

• As a credit valid for future purchases.

Benefits of cashback reward for your personal finances

Cashback reward is a very useful tool to make the most of every dollar spent, saving amounts that might seem small at first but make a difference later when buying essentials.

Therefore, cashback reward encourages financial education by promoting consistency and smart shopping habits.

Here are some practical advantages of cashback reward:

• You recover part of your spending: every time you make a purchase, you could earn some money back.

• Better expense control: generally, cashback reward providers offer a mobile app where you can view your expenses by category.

• Take advantage of offers without hurting your budget: cashback rewards you for making your usual purchases without falling into compulsive spending habits.

Remember that consistency is key when using cashback reward to ease future expenses such as gas, groceries, or medicine — and to increase your ability to save and send more money to your loved ones in your home country.

3 practical tips to use cashback reward wisely

Using cashback reward is itself a smart way to handle daily purchases. Keep these tips in mind to make the most of this benefit.

1. Make regular purchases like groceries, transport, or planned services

Use cashback reward only for purchases already included in your budget. This allows you to earn rewards from items you always buy, without falling into poor spending habits.

2. Avoid buying unnecessary things just to get cashback reward

The fact that a product offers a cashback reward, no matter how high, isn’t reason enough to buy it if you don’t really need it.

3. Track the money you get back each month

It’s advisable to track how much cashback you earned each month and ensure it’s credited back correctly, which helps you know exactly how much you’re saving and motivates you to maintain good financial habits.

You can use spreadsheets or cashback reward mobile apps that include financial management tools to help with this.

Move your money easily with Comun

In this article, we explained what cashback reward means, its benefits, how it works, and ways to use it wisely.

The habit of saving is essential, especially for immigrants living in the United States who seek to improve their quality of life and that of their families. While cashback reward helps optimize regular purchases, Comun simplifies financial management through a comprehensive platform.

Comun is the financial platform designed to ease financial management for immigrants in the United States.

Discover all the benefits Comun has for you!

• Send money from the United States to Latin America with clear and competitive fees, up to the applicable limits.

• You can open an account with a qualifying official identification from your home country.

• Access your financial history from an intuitive and friendly mobile app.

• Get a debit card to cover your daily expenses.

Remember that managing the savings you earn through cashback reward will allow you to support your family’s projects and goals.

Turn your cashback reward into more opportunities for you and your family.

Frequently Asked Questions (FAQ)

If you still have questions, check the section below.

Can I use cashback reward for my daily expenses?

Yes, cashback reward is designed to give you a percentage back from everyday purchases such as gas, groceries, and public transportation. However, it’s not recommended to use cashback reward as motivation to make unnecessary purchases.

Do I need a credit card to get cashback ?

Although credit cards are one of the most common ways to earn cashback reward, they are not required — there are other alternatives such as debit cards with cashback or digital accounts, as well as platforms like Rakuten, Ibotta, Upside, or Honey.

What is cashback on credit cards?

Cashback on credit cards is a way to earn a percentage of cashback for your purchases. Some financial institutions also offer bonuses or additional benefits. If you use a credit card, make sure to pay the full balance to avoid interest charges.

What is cashback on debit cards?

It’s a benefit that gives you a percentage of your purchases back directly to your debit card.

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Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

• Bank deposit
• Cash pickup at physical locations, such as Oxxo or Elektra
• Mobile top-up
• Bill payment
• Cash delivery

Provide the recipient’s details

The information you must enter is:

• Full name, as it appears on their official ID
• Address
• Phone number
• Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

• Linked bank account
• Debit card or credit card
• Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an  account.

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

• Open your account with an official ID from your country; more than 100 identifications are accepted.
• After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Access customer service in Spanish and English, available 24/7.
• Get a Visa debit card to make purchases at physical merchants.
• Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.

What is a certified check and how does it work?

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

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

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

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

What is a certified check?

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

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

How is a certified check issued?

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

• The customer requests the check

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

• Customer identification

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

• The bank freezes the amount in the account

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

• Signature certification

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

Affixing the certification stamp

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

Differences between a certified check and a cashier’s check

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

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

Cashier’s check

Certified check

Security

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

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

Cost

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

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

Issuance time

At the branch, after funds are verified.

Immediate.

When is a certified check typically required?

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

• Paying an apartment security deposit.

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

• Buying a used car.

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

• Closing an important contract or legal settlement.

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

• For tuition or school fees.

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

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

Practical tips for using certified checks safely

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

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

How to know if a check has funds and avoid scams

• Verify with the issuing bank. 

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

• Be alert if you receive an overpayment check. 

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

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

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

• Avoid accepting checks from unknown parties. 

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

Manage your money securely with Común

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

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

Meet Común, your financial ally in the United States!

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

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

Frequently Asked Questions (FAQ)

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

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

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

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

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

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

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How to call Mexico from the United States easily and affordably

There’s no doubt about the impact the Mexican community has had in the United States due to the number of immigrants who have arrived in recent decades and who, despite the distance, need to stay in touch with their loved ones.

One of the most common points of confusion when making an international call has to do with the order of the required codes. However, with the right information, placing a call from the United States to Mexico is very simple.

Below, we’ll show you step by step how to dial, practical examples for major cities, as well as modern options to save money no matter how long you’re on the phone with your loved ones in Mexico.

Basic steps to call Mexico from the USA

To connect a phone call from the United States to Mexico, you need three basic pieces of information: the exit code, Mexico’s country code, and the local number.

These are the steps to call Mexico.

Dial the international prefix

011 from a U.S. landline or “+” from a mobile phone.

Add Mexico’s country code

The code is 52.

Dial the 10-digit national number

Include the area code plus the local number

Practical examples:

• Mexico City: 011 + 52 + 55 123 1234
• Guadalajara: 011 + 52 + 33 123 1234
• Monterrey: 011 + 52 + 81 123 1234

It’s important to clarify that it used to be necessary to add the prefix 1 for cell-phone calls, but this requirement was eliminated in 2019.

Area codes and example calls to Mexican cities

In Mexico, each city has an area code (lada) made up of 2 or 3 digits. Taking that into account, all Mexican phone numbers have 10 digits in total.

Below is a table with examples of how to dial from the United States to Mexico.

City

Area Code

Dialing example from the United States

Mexico City 

55

011 + 52 + 55 + ########

Guadalajara

33

011 + 52 + 33 + ########

Monterrey

81

011 + 52 + 81 + ########

Puebla

222

011 + 52 + 222 + #######

Tijuana

664

011 + 52 + 664 + #######

León

477

011 + 52 + 477 + #######

Querétaro

442

011 + 52 + 442 + #######

Mérida

999

011 + 52 + 999 + #######

Cancún

998

011 + 52 + 998 + #######

Chihuahua

614

011 + 52 + 614 + #######

Modern and more affordable options for calling Mexico

Long-distance calling used to be very expensive, especially when made directly— a drawback for people who wanted to keep in touch with family abroad since costs were charged per minute.

Fortunately, today you can choose far more affordable alternatives that also offer unlimited minutes and other communication benefits such as messaging and video calls.

These are the most popular low-cost options for calling Mexico from the United States.

VoIP apps and services over Wi-Fi

VoIP (Voice over IP) apps are one of the most accessible alternatives for communicating with people worldwide.

The main advantage of mobile apps is that they allow domestic and international calls over a Wi-Fi or data connection. This significantly reduces costs and eliminates the need for local phone coverage, though a good internet connection is important.

WhatsApp is a popular app of this kind, given its large user base and a variety of features beyond calls, such as voice notes, voice dictation, video notes, and video calls.

Other similar alternatives include Skype, Google Voice, and Telegram.

International plans from your carrier

If you want to make long calls and not rely on Wi-Fi, a recommended alternative is to get an international plan with included or unlimited minutes to Mexico.

For example, Verizon Global Calling has a plan that includes unlimited minutes to Mexico and Canada.

If you’re still in Mexico, Telcel offers international roaming packages and eSIM for travelers.

Prepaid calling cards

Another solution for calling Mexico is using a prepaid calling card.

Here are some examples.

Company | Cost | Validity/Expiration Enjoy Prepaid | From 0.9¢/min to landlines, 2.9¢/min to mobiles. | After 183 days of inactivity. BOSS Revolution | 1.9¢/min to landlines and mobiles. | Credit remains while the user is active. Calling Card Plus | From 0.8¢/min to landlines and 2.5¢/min to mobiles. | Depends on the plan; may include per-minute rounding or a weekly charge.

Company

Cost 

Validity/Expiration

Enjoy Prepaid

From 0.9¢/min to landlines, 2.9¢/min to mobiles. 

After 183 days of inactivity.

BOSS Revolution

1.9¢/min to landlines and mobiles.

Credit remains while the user is active

Calling Card Plus

From 0.8¢/min to landlines and 2.5¢/min to mobiles.

Depends on the plan; may include per-minute rounding or a weekly charge.

Bundles with included minutes

A bundle is a package that, in addition to international calls, includes other related services. For example, Verizon Global Choice offers 300 minutes for $10 per month.

Practical tips for immigrants

Taking care of your finances is essential to stay in touch with your family in Mexico. Here are some tips to keep you connected.

• Use apps over Wi-Fi whenever possible: they’re a very affordable alternative, as long as you have a good internet connection.

• Compare rates from different companies: take time to review each provider’s international rates as well as specific terms.

• Consider family bundles or special plans for Mexico: given the geographic proximity between Mexico and the United States, there are several communication options designed for families who frequently contact relatives.

Stay connected with your family in Mexico thanks to Común

In this article, we showed you how to call Mexico from the United States with the correct code sequence, via mobile and landline. We also shared tips to keep in touch with your family through more accessible means such as mobile apps and international plans with minutes to Mexico.

In addition to staying in touch with family, Mexican immigrants also often need services that let them send money home.

• Discover the benefits of Común, the platform that brings you closer to the people you love most!

• Checking account with clear, competitive fees.

• Accessible international money transfers.

• Común’s mobile app is available in Spanish and accepts more than 100 eligible official IDs for account opening.

• Debit card for everyday purchases and payments.

Don’t lose touch with your country! Open your account with Común and connect with the financial platform dedicated to shortening the distance.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens if I dial the number without the 011 prefix?

If you don’t dial 011 or “+” on mobile phones, your call won’t be recognized as international and will either connect as a local call or return an error.

Is it better to use apps or international calling plans?

It depends on your needs. Apps are an excellent alternative but depend on a good internet connection. International plans require a SIM, but they offer more stable calls along with other communication services.

Which option is best for saving money?

A very convenient option to save money is an app like WhatsApp, since it works over an internet connection.

How can I dial an 800 number from the United States to Mexico?

800 numbers are toll-free within Mexico, but from the United States they do carry a cost. To dial, you must enter the exit code and the country code.

Another option is to look for that institution’s alternate number for international calls.

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Some of the best English classes to learn online as an immigrant in the U.S.

Although moving to the United States brings a number of benefits due to the wide range of job opportunities available, it also presents challenges, such as the language barrier, which can limit opportunities for many immigrants who have not had access to formal language education.

While it may seem like a difficult goal to achieve, speaking English can make many aspects of daily life easier — such as getting a job, going to school, or handling important paperwork.

Fortunately, technology allows more people to learn English for free and easily, through platforms and mobile apps that offer lessons from anywhere. Below, we’ll show you some of the best options for immigrants who live or plan to live in the United States to learn English.

5 Reliable Platforms to Learn English from Scratch

For many people, taking in-person English classes isn’t always the best option due to cost, schedules, and transportation challenges. If you face any of these obstacles, you should know about practical alternatives from educational institutions and online platforms — ideal for those who prefer a more academic or progressive learning path.

Below, we present 5 reliable alternatives for learning English online.

British Council

This is one of the most prestigious English teaching institutions worldwide. Its platform offers a variety of courses for beginner, intermediate, and advanced students, segmented by skills: listening comprehension, grammar, writing, and conversation.

It stands out as a very complete option since students can supplement lessons with various materials such as podcasts, videos, and exercises prepared by certified English teachers.

Coursera

Coursera is a platform that offers free English courses in collaboration with prestigious universities, maintaining an academic and professional focus.

This is an excellent option if you’re looking to improve your English to access better job opportunities or refine specific skills to sound more like a native speaker.

BBC Learning English

This platform focuses on teaching English through current content, such as international and cultural news. It’s an ideal alternative for students who want to improve listening comprehension and expand their vocabulary.

USA Learns

This is an official U.S. government platform. It is specifically designed for people who want to acquire basic language skills to handle real-life situations such as visiting the doctor, ordering food, or completing immigration paperwork.

Alison

Alison is another dynamic alternative that offers a variety of free courses across different levels and practical skills. Students can also focus on specific areas, such as business English or preparation for certifications like the TOEFL.

Platform

Type of Course

Level

Main Benefit

British Council 

Courses segmented by skills, general English.

From beginner to advanced.

Structured learning units with rich study materials.

Coursera

Academic and professional English.

From intermediate to advanced.

Courses focused on improving professional communication skills.

BBC Learning English

Everyday English.

From beginner to advanced.

Short lessons based on current topics.

USA Learns

Practical English.

Beginner.

Designed to equip students with the skills needed to communicate in everyday situations.

Alison

Business English and official certification preparation.

From beginner to advanced.

Offers the option to earn official digital certificates.

Mobile Applications to Learn English for Free

In addition to the options above, you can also explore other alternatives known for their flexibility in helping you learn English easily.

Mobile language-learning apps let users study anywhere, anytime, and serve as a fun complement to traditional courses.

Duolingo

Duolingo is the most famous and culturally influential app. It uses gamified lessons that unlock progressively as users acquire new skills. It’s ideal for building vocabulary.

Mondly

Mondly focuses on conversational practice and pronunciation using tools like voice recognition and artificial intelligence to interact with virtual characters.

Busuu

Busuu is one of the most comprehensive language-learning apps. In addition to structured lessons based on the Common European Framework, it allows students to interact with native speakers.

Memrise

Memrise focuses on improving listening comprehension and learning new vocabulary through videos of real-life situations presented by native English speakers.

HelloTalk

HelloTalk makes English practice easier by connecting people around the world interested in cultural and language exchange.

How to Choose the Right English Course for You

As you can see, there are many ways to learn and improve your English. Each has different approaches and benefits, so there’s no single “best option” — it depends on your level and specific needs.

Before deciding which online English course is best for you, consider these recommendations:

• Define your goals: be clear about why you want to learn or improve your English.

• Evaluate your current English level: whether you’re a beginner or already advanced.

• Compare platforms and apps: take time to find the one that best fits your needs.

• Review the course duration and format: make sure to organize your time so you can attend classes consistently and on schedule.

• Complement your study with conversation practice: it’s very important to engage with native speakers in real-life situations and different accents.

The most important factor in making language study effective is consistency, regardless of which platform you choose.

Practical Tips to Improve Your English Every Day

In addition to the classes on platforms or the interactive resources in apps, it’s important to incorporate strategies that help improve your confidence and fluency when communicating in English.

Here are some practical tips designed to make life easier for immigrants in the United States.

• Listen to English every day: whether on YouTube videos or movies. The goal isn’t to understand 100%, but to start getting used to the language.

• Practice with friends or coworkers: if you have people you trust, don’t hesitate to ask them for help.

• Apply what you’ve learned in your environment: mentally review your surroundings and try to name the things around you in English.

• Use technology to your advantage: rely on AI-powered tutors or platforms that offer automatic corrections.

Learning English and managing your finances with Comun are key steps to achieving your goals in the U.S.

In this article, we explained why learning English is important if you plan to live in the U.S., and showed you various platforms and apps designed to help you build essential language skills.

Fortunately, the immigrant community in the U.S. has allies dedicated to supporting them through their adaptation and growth in the country.

Discover Comun — the digital platform designed to meet the financial needs of immigrants.

At Comun, we believe every new learning step brings you closer to your dreams: learning English and organizing your money with Comun are steps toward achieving your goals in the United States.

Frequently Asked Questions (FAQ)

What is the best free online English course for beginners?

There are several English course options. If you have no prior knowledge, it’s recommended to start with British Council courses and complement with Duolingo.

How long does it take to learn basic English?

It depends on your consistency. If you dedicate even a small amount of time daily, you should notice improvement within three months.

What’s the best free method for adults to learn English?

There isn’t just one method to learn English. Try combining practice across different language skills using interactive platforms.

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

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

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

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

How does a bank transfer or wire transfer work?

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

The mechanism for using this transfer service is as follows.

Initiation by the sender

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

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

Sending of instructions

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

Receipt and crediting

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

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

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

Advantages and disadvantages of bank transfers (Wire Transfers)

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

Advantages

Speed

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

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

Security

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

Ideal for large amounts

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

Traceability

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

Disadvantages

Cost

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

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

Irreversibility

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

Detailed information required

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

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

Required information and how to make a Wire Transfer effectively

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

Essential data to send a wire transfer

Recipient’s full name 

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

Name of the receiving bank 

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

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

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

SWIFT/BIC code for international transfers 

It is an international identifier for each bank.

Bank account number or IBAN for international transfers 

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

Exact amount to send

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

Tips for a successful and secure transfer

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

Double-check all information

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

Understand all associated fees before sending

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

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

Use reliable and transparent platforms

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

Stay alert to possible fraud

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

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

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

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

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

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

Frequently Asked Questions

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

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

How long does it take to process a wire transfer?

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

International transfers usually take 1 to 3 business days.

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

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

Are there amount limits for wire transfers?

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

For immigrants in the United States, sending money to their home countries regularly is essential. Therefore, it is important to have access to affordable and accessible financial services.

If you want to know how to make an international money transfer, it is crucial to first compare the different providers of this service and choose the one that offers the most advantages for you and your family.

Comun stands out as a popular option among immigrants because it allows them to send money abroad from the United States, offering advantages in terms of cost, speed, and other key factors.

Below, we provide a comparison table that includes Comun and traditional financial institutions in the United States, such as Bank of America and Wells Fargo:

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How Does an International Money Transfer Work?

The first point to understand is the types of bank transfers available, as this determines the final cost of sending an international money transfer.

In the United States, there are two types of international money transfers: through traditional banks or through specialized services for sending money abroad.

International Money Transfers via Traditional Banks

• Supported by official U.S. financial institutions and security measures, including:
  
  • Identity verification (KYC/CIP) and ongoing AML monitoring (BSA).
  • OFAC sanctions screening for senders and recipients.
  • Consumer protections for remittances under Regulation E (pre-transfer disclosures, cancellation rights, and error resolution).
  • Network and messaging security standards (e.g., SWIFT Customer Security Program).
  • Multi-factor authentication and encryption for online banking access.
    
    
• A U.S. bank account is mandatory
  
  
• Operates through the SWIFT code
  
  
• Generates higher fees due to intermediaries
  
  
• Transfer time may take up to 5 business days
  
  

International Transfers via Specialized Applications

• Operates through digital networks connected with banks or physical branches in each recipient country
  
  
• Lower fees, as they do not use intermediaries and offer more competitive exchange rates
  
  
• Money transfers are completed within minutes or hours
  
  
• A U.S. bank account is not mandatory to use these services
  
  

Before paying unnecessary fees, make sure to choose the best international money transfer provider and make the most of your money.

Steps and Requirements for Making an International Money Transfer

Below, we outline what is needed to easily make an international bank transfer from the United States, whether you choose a traditional bank or a specialized application for this type of service:

1. Choose a Provider

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Some of the traditional banks you can use are Chase, Bank of America, Capital Bank, Citibank, and Wells Fargo. If you don't have a US bank account, you'll need to make sure you have the necessary requirements to open an account, such as a Social Security Number (SSN). For the aforementioned banks, you can present an ITIN instead, along with a government-issued ID.

Another factor to consider is how long an international money transfer takes, as traditional banks usually take longer due to intermediaries involved in the process.

If you prefer a specialized application for international money transfers due to the flexibility they offer compared to banks, an excellent alternative is Comun, which allows you to transfer money from your phone without complications or intermediaries.

2. Create an Account

General Requirements for Opening an Account at a U.S. Bank

• Valid passport or immigration document
  
• Social Security Number (SSN)
  
• Individual Taxpayer Identification Number (ITIN)
  
• Proof of address in the United States
  
• Some banks require an initial deposit of approximately $25 USD
  Depending on the bank, you may open the account online or by visiting a branch for data verification.
  
  

Requirements for Opening an Account with Comun

• Mobile phone compatible with Android or iOS
• Email address
• Official foreign identification
• Have a US residential address
  
  

In both cases, you will have access to a debit card and a mobile application that will allow you to make international money transfers and other transactions from the palm of your hand.

3. Enter Transaction Details

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Once you activate your account, enter the information required for an international money transfer:

• Full name of your recipient, as it appears on their official ID
  
• Recipient’s phone number
  
• Recipient’s address (only if sending money to a bank account)
  
• Recipient’s account number (only if sending money to a bank account)
  
• SWIFT code (if transferring through a traditional bank)
  
  

Then, enter the amount you wish to send.

Comun and other specialized applications also allow cash pickup at physical locations, so your recipient does not need a bank account.

4. Review Costs and Rates

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Next, review the international money transfer fees as well as the exchange rate, as these will impact the final amount your recipient receives.
The cost of an international money transfer depends on several factors, which we detail below.

5. Send the Money

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Once you confirm that the information entered is correct, authorize the transfer, including any additional fees.

Comun allows you to track your transfers through its application, whether you choose to send money to a bank account or opt for cash pickup at a physical location.

Remember that transfer speed depends on the platform, and traditional banks can take up to 5 business days to complete these transactions.

6. Confirm Receipt

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Finally, confirm with your recipient that the transfer was received within the stipulated timeframe. You can generate a transaction receipt directly in the mobile application.

Everything About the Cost of Sending Money Abroad from the U.S.

International money transfers are a common practice among immigrants in the United States.

That is why it is essential to detail the factors that influence the cost of transfers, as well as the best options for sending remittances to your family quickly and without complications.

These are the main factors to consider when calculating the cost of your international money transfers:

• Transfer Fees

International transfers incur a fee, which varies depending on the platform, whether it's a traditional bank or a specialized app.

Another factor that affects the fee level is the method used to send the money. The price can vary depending on whether the transaction is made through a website, an app, or at a physical branch.

International money transfer fees at traditional banks vary depending on the financial institution. Here are some examples:

• Bank of America: $45 USD
• Wells Fargo: from $25 to $40 USD 
• Citibank: from $25 to $35 USD 
• Truist Bank: $65 USD

On the other hand, some mobile applications offer international money transfer options for less than $3 USD, which is much more beneficial for the economy of foreign workers.

• Exchange Rate
   

The exchange rate also significantly impacts the final amount your recipient receives. It refers to the value applied by the platform when converting the dollar amount to the local currency.

Traditional banks generally use a lower rate than the official rate. For example, if the Mexican peso is officially 18.00, banks might apply approximately 17.20 MXN.

This means that if you send $300 USD, your recipient could receive about $13 less (240 MXN less), not counting the bank fees, which make the cost even higher.

• Hidden Fees

In addition to international money transfer fees, traditional banks may charge additional fees if intermediary banks are involved in processing the transfer.

We recommend checking all costs involved and choosing a competitive option that does not reduce the total amount your family will receive.

Comun is an excellent alternative for making international money transfers, as your first transfer fee is waived, and subsequent transfers have a fee starting at $2.99 USD per transfer, up to applicable limits, with no hidden fees or intermediaries.

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Review our comparison table between traditional banks and Comun at the beginning of this article, and choose the best option for your money.

Want to Make Secure International Money Transfers? Do It Easily with Comun

In this article, we presented how to make an international money transfer from the United States through traditional banks or specialized applications such as Comun, an excellent choice for immigrants.

Comun is the solution for bringing immigrant families closer together through affordable and low-cost remittances.

Why Choose Comun for International Money Transfers?

• Easily open your account with official documentation from your country
  
• Send money to your family with a transfer fee starting at $2.99 USD, up to the applicable limits.
  
• Your money will arrive within minutes
  
• Access a mobile application and Visa debit card for better control of your finances
  
  

Discover an easy and fast way to access the financial services you deserve. Open your account with Comun and forget about complications.

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Nowadays, sending and receiving money through applications is essential to daily life, whether to receive a fixed salary, pay for services, or send money to friends and family.

Discover the best apps to send money quickly, securely, and affordably, both within and outside the United States.

Below you will find an overview of various money transfer apps, their features, and benefits, so you can choose the one that best fits your lifestyle.

There are several apps available for sending money within the United States and internationally. Before choosing one, it is important to understand their advantages and disadvantages.

Comparison of the Best Money Transfer Apps**

**Please check each provider for their most up to date information.

As you can see, there are a wide variety of apps for sending money free or with affordable fees. Below, we provide detailed explanations of their features.

3 Best Apps for Sending Money in the United States

If you are looking for apps to send money within the United States, we present three options with various benefits for all types of users.

Venmo

This is a payment transfer app that operates within the United States. In addition to facilitating transactions between relatives, friends, and businesses, it functions as a kind of social network, where users can share and comment on their payments to connect and build community.

Operational Features and Functions of Venmo

Payment methods: Users can link a bank account to make payments using a debit or credit card.

Transfer speed: ACH transfers take approximately one day, though they may take longer in some cases.

Transfer limit: Up to $60,000 per week for verified users.

Additional services: Functions as a social payment network. Allows online and in-store purchases.

Advantages of Venmo

• Intuitive and easy-to-use interface
• Instant transfers between Venmo accounts
• Ability to transfer money to other bank accounts

Disadvantages of Venmo

• Security risks
• Not suitable for international transfers
• Lack of privacy, meaning your transactions and comments can be seen by others if you don't adjust your preferences.

Zelle

Zelle is a service that allows money transfers between bank accounts compatible with the Zelle network. It is directly integrated into most bank apps and websites, requiring only the recipient’s email or phone number to send money.

Operational Features and Functions of Zelle

• Payment methods: Operates through banks that offer the Zelle service.
• Transfer speed: Immediate.
• Transfer limit: Varies by bank, approximately $500 per day.
  
• Additional services: Integrated into most U.S. banks for easy account-to-account transfers.

Advantages of Zelle

• Fast and free service
• No need for recipient’s bank details
• No limits on receiving money

Disadvantages of Zelle

• No standalone app
• Not supported by all banks
• Only works within the United States

Cash App

Cash App is an application for sending, receiving, and saving money. It's also easy to shop online and make payments between friends.

Operational Features and Functions of Cash App

• Payment methods: Cash Card debit card.
• Transfer speed: Standard transfers take up to three days, or immediate transfers with fees.
• Transfer limit: Up to $7,500 per week for verified users.
• Additional services: Access to Cash Card, a free debit card linked to your app balance.

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Advantages of Cash App

• Security measures to protect user data
• Available debit card
• Ability to send and receive money via Cashtag, QR code, email, or phone number

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Disadvantages of Cash App

• Not compatible with international transfers
• Fees for credit card usage
  

4 Best Apps for Sending Money Internationally

The services mentioned above are suitable for domestic transfers within the United States. If you intend to send money internationally, consider the following alternatives.

Comun

Comun is a digital platform that allows users to send and receive money between accounts. It is an excellent option for our community, offering services available in Spanish and enabling both domestic transactions and international remittances. It also features competitive pricing for users seeking accessible solutions.

Operational Features and Functions of Comun

• Payment methods: Comun account and direct deposits.
• Transfer speed: within minutes (less than 30 minutes).
• International transfer limits*: Comun uses cumulative limits:
  
  • 1 day: $2,999
  • 7 days: $4,999
  • 14 days: $7,999
  • 30 days: $9,999
  • 60 days: $11,999
  • 90 days: $19,999

• Amounts sent are aggregated within each time window. For example, if you send $2,999 today, you may only send an additional $2,000 in the next six days until you reach the $4,999 limit for seven days.

• Additional services: Ability to open an account with the official ID from your country.

Advantages of Comun

• Enables money transfers without complications
• Maximizes every dollar so your loved ones receive more
• Allows account opening with the official ID from your country

Disadvantages of Comun

• The recipient must have a Comun account for domestic transfers, but only needs name, phone number, and date of birth to receive money.
  

MoneyGram

MoneyGram is a platform that enables international money transfers via website, mobile app, or physical retail locations.

Operational Features and Functions of MoneyGram

• Payment methods: Cash, card, bank account, and online banking.
• Transfer speed: Up to one day.
• Transfer limit: Up to $10,000 online.
• Additional services: Bill payments and other international services.

Advantages of MoneyGram

• Global coverage
• Available at numerous retail locations

Disadvantages of MoneyGram

• Unfavorable exchange rates for the user
• High transaction fees

Western Union

Western Union is a global money transfer network operating in over 200 countries. It offers various receipt methods, including bank deposit, cash pickup, and digital wallets.

Operational Features and Functions of Western Union

• Payment methods: Cash, card, bank account, and online banking.
• Transfer speed: Minutes to several days, depending on the delivery method.
• Transfer limit: Up to $5,000 online.
• Additional services: Broad global presence.

Advantages of Western Union

• Presence in over 200 countries
• Cash pickup option
  

Disadvantages of Western Union

• High transfer fees
• Unfavorable exchange rates

Remitly

Remitly is an international money transfer service operating in more than 170 countries.

Operational Features and Functions of Remitly

• Payment methods: Bank account, debit card, and credit card.
• Transfer speed: Express transfer is immediate; Economy transfer can take up to 5 days.
• Transfer limit: Depends on verification level. For example, a new user has a $3,000 monthly limit for transfers to Mexico.
• Additional services: Home delivery option.

Advantages of Remitly

• Multiple delivery methods available
• Affordable fees

Disadvantages of Remitly

• Higher fees for express transfers
• Limited availability in certain regions

In summary, Comun offers a simple and accessible solution for transferring money from the United States to other Latin American countries—directly, quickly, and securely. It allows users to deposit funds onto a debit card, facilitating immediate access and improving daily life for thousands of migrants.

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3 Apps for Sending Money App-to-App

Lastly, we present alternatives for making international transfers between users of the same application, such as:

Wise

Wise is a financial technology company offering low-cost international transfers at real exchange rates.

Operational Features and Functions of Wise

• Payment methods: Bank account.
• Transfer speed: Instant.
• Transfer limit: Up to $5,000 per month.
• Additional services: Multi-currency account.

Advantages of Wise

• Affordable transfer fees
• Competitive exchange rate

Disadvantages of Wise

• Some countries may have restrictions
• Some transfers may incur additional charges

Revolut

Revolut is a fintech that allows you to send, receive, and make international money transfers.

Operational Features and Functions of Revolut

• Payment methods: Revolut account and prepaid debit card.
• Transfer speed: Instant between Revolut users; up to several business days for external accounts.
• Transfer limit: No fixed limits.
• Additional services: Automatic savings and financial analytics.

Advantages of Revolut

• Competitive pricing
• Fast transfers
  

Disadvantages of Revolut

• Features vary by country
• No physical branches

PayPal

PayPal is an online payment platform that allows users to send and receive money from many countries.

Operational Features and Functions of PayPal

• Payment methods: Account balance, debit and credit card.
• Transfer speed: Generally immediate.
• Transfer limit: Up to $10,000 per transfer.
• Additional services: Link multiple payment methods and receive payments from other users.

Advantages of PayPal

• High security standards to protect financial information
• Broad global presence and acceptance

Disadvantages of PayPal

• High transaction fees
• Unfavorable exchange rates

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Take Control of Your Transfers with Comun

There are many reliable and accessible apps and services for making transfers within the United States and to international destinations. It is essential to analyze and compare the features of each one according to your priorities and needs.

Comun is a financial service designed to meet everyday needs in the United States, with an app and platform available in Spanish, making account opening fast and easy. It also simplifies remittance transfers to Latin America so your family receives more money with less hassle with competitive fees. Without a doubt, it ranks among the most trusted apps for making your life easier in the United States.

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For immigrants in the United States, having a banking account has become a basic necessity to carry out all types of daily tasks, such as shopping in physical and online stores, receiving wages, sending transfers and remittances, opening a savings account, among other things.

Despite the importance that a banking account has for immigrants and U.S. citizens, there are still factors that hinder the immigrant community’s access to banking, such as high fees and required documentation.

According to FDIC data, among vulnerable groups without banking accounts (unbanked), Hispanics make up 9.5%. This shows a gap that disadvantages a significant portion of the population.

Access to financial services is an increasingly attainable right for immigrants in the U.S. In this article, we will explain step by step what is required to open an account at a bank and on digital platforms, as well as the advantages of these solutions.

4 Requirements to Open a Banking Account in the United States

It is true that financial services make users’ lives easier and, in some way, improve their quality of life. But, what is needed to open a banking account in the United States?

Opening a bank account, whether a checking account or another type, requires meeting a series of requirements and presenting documentation, which may vary depending on the financial institution.

Some of the difficulties immigrants face when opening a banking account are not having an SSN (Social Security Number) or tax documentation, as well as the lack of information in Spanish.

Fortunately, beyond traditional banks, there are currently alternative solutions such as Común, a financial platform dedicated to meeting the needs of people who seek accessible and efficient services.

In general, these are the most common required documents to access a banking account in the United States.

Social Security Number (SSN)

This is the most common requirement for opening an account. It is an identifier for people who reside and work legally in the United States, and it is required for banks to carry out the identity verification process.

Individual Taxpayer Identification Number (ITIN)

The ITIN is an alternative for people who do not qualify for the SSN, since some financial institutions accept it instead.

Identity Document

For this requirement, it is possible to present a passport, a driver’s license, a government-issued ID, or a consular ID card. Any of these documents must be valid and show both name and photograph.

Proof of Address

To prove your residence in the United States, you can present utility bills, such as electricity, or even a digital account statement.

Step by Step: How to Open a Banking Account in the U.S. with Foreign Identification

The number of requirements requested by traditional institutions tends to make access to banking difficult, especially for immigrants without the previously listed documentation.

If you are looking for a practical and simpler solution than traditional banking services, you can turn to options like Común, the platform that streamlines processes and offers fair financial services for everyone.

Access to these services is possible with official, qualified foreign documentation, which helps reduce the gap in access to banking for immigrants.

Choose a Secure Platform that Accepts Foreign Identifications

In general, traditional banks request the SSN or ITIN, so a convenient option is to choose a digital platform with more flexible requirements but with the same quality and seriousness in their processes.

Común is a platform that makes immigrants’ lives easier in the United States, as it allows you to open an account with official, qualified documentation from your country of origin and simplifies the sign-up process without complicated paperwork.

Download the Mobile App and Set Up Your Account available in Spanish

You only need a mobile device compatible with Android or iOS to download the application, where you will create your profile and enter your information.

Verify your identity with an official ID from your country

Then, carry out the identity verification with your official ID from your country of origin. To do this, you will need to take a picture of it and possibly take a selfie.

Activate Your Card and Start Using Your Account

Once you provide the necessary documentation, you will have access to a debit card to make purchases at various establishments and will be able to make transfers and receive payments.

Use Additional Features Such as Sending Remittances or Deposits at Stores

For immigrants, it is essential to have services that allow them to send remittances to their countries of origin, so you can also use this benefit, in addition to making direct deposits in physical stores near you.

Which Bank in the U.S. Allows Opening an Account with a Passport? More Accessible Alternatives

There are alternatives with more flexible account opening options, such as Bank of America, which accepts the ITIN in case you do not have an SSN. However, the processes tend to be longer and slower compared to other digital platforms, which facilitate the sign-up process by offering greater feasibility in their requirements.

Bank of America

Bank of America supports the opening of banking accounts in the United States for immigrants, because it allows opening an account with a valid passport or ITIN. However, it is necessary to go in person to a branch to complete the process.

Común

Común is a digital platform that allows opening an account with more than 100 foreign IDs or with a valid passport, which makes it easier to obtain an account for immigrants and send remittances to Latin America for an affordable fee; in addition to making cash deposits at more than 100 stores.

Wells Fargo

Wells Fargo also accepts a passport as the main ID, but may request an additional identification, such as a credit card or student ID.

Wise

Wise is a fintech that offers digital accounts in different currencies. It is possible to access its services with a passport, ITIN, or SSN.

Revolut

Revolut is another alternative for non-citizens in the United States, since it accepts a passport as identification; among other options, such as a driver’s license or national ID.

Why Común is Ideal for Opening Your Account in the U.S.?

Although the requirements to open an account may make it seem like an inaccessible process for many immigrants in the U.S., fortunately, there are also more accessible options.

If you are looking for a clear, reliable alternative available in Spanish, it is time to change your relationship with finances through Común: a service that truly understands your needs.

Why is Común Your Ally?

Forget about minimum deposits or monthly charges

Access a mobile app available in Spanish with a user-friendly interface

Send money to your home country for a fee starting at $2.99, up to the applicable limits

Deposit cash at a network of establishments near you

It has 24/7 customer support available in Spanish

Remember that Común offers you a service available in Spanish with simple processes. Open your account today and start using a service designed for you!

How to Call Guatemala from the United States Easily and Affordably

One of the main wishes of Guatemalan immigrants arriving in the U.S. is to stay in frequent contact with loved ones through efficient and affordable telecom services.

However, confusion is common when dialing because of the codes needed to connect U.S. phone service to Guatemala.

In reality, once you have the right codes, calling Guatemala from the U.S. is quite simple—and this article shows you how.

Below you’ll learn the step-by-step dialing process with examples, plus money-saving options and tips to avoid extra charges.

3 Basic Steps to Dial Guatemala from the USA

First, know the U.S. international exit code—it goes at the very start of the number. 

Here are the basic steps to dial Guatemala.

1) Dial 011 from a landline or “+” from a mobile 

The U.S. international exit code is 011 (landlines). On mobile phones, use the “+” sign.

2) Dial 502 - Guatemala’s country code

The next step is to enter Guatemala’s code, which is 502. Every country has a code that identifies it internationally to connect telephony services. 

3) Dial the 8-digit local number (landlines and mobiles) 

Finally, dial the Guatemalan phone number exactly as it is, whether you’re calling from a landline or a mobile phone.

Keep in mind that the first digit of a Guatemalan phone number indicates whether it’s a landline (2) or a mobile (5).

Here you have some dialing examples: 

• Landline, Guatemala City: 011 + 502 + 2 ### ####
• Mobile, metro area: 011 + 502 + 5 ### ####

Guatemala Prefixes: Identify Landline vs. Mobile

As mentioned in the previous section, the first digit of a Guatemalan number indicates whether it’s a landline or mobile. It also indicates the carrier and the region.

Therefore, before calling Guatemala, identify this digit so you know exactly what type of number you are dialing.

Below is a table with the prefixes to make them clearer.

Number type

Prefix

Example from U.S.

Landline, Guatemala City 

2

011 502 2 ### ####

Landline, Metro Area

6

011 502 6 ### ####

Landline, rest of country

7

011 502 7 ### ####

Mobile, major operators

3, 4 or 5

011 502 3 ### ####

Modern Ways to Save on Calls to Guatemala

It’s very likely that the distance between the United States and Guatemala will make you need to place phone calls more often to keep up with your family and friends.

Fortunately, today’s international calling rates are very different from what they were a decade ago, when callers were charged per minute. That made it difficult to maintain constant communication between families living in different countries.

Today you can choose telecommunications services with far more affordable calling plans, as well as apps that work over a Wi-Fi connection.

Here are some options to call Guatemala easily.

VoIP applications

Nowadays, the easiest way to make calls—both domestic and international—is through VoIP (Voice over IP) apps, which connect over Wi-Fi or mobile data.

One of the most popular is WhatsApp, which has millions of users worldwide and, in addition to calls, also offers video calls, text messages, voice notes, and frequent updates.

Other similar apps available include FaceTime, Google Voice, and Skype.

International plans from phone carriers

Although apps offer a very affordable way to stay in touch, one downside is that call quality depends on the internet connection.

If you need consistently smooth calls, an international plan is ideal. Major U.S. carriers like Verizon, AT&T, and T-Mobile offer international plans with affordable rates.

Prepaid calling cards

Prepaid cards are a more traditional option. They’re best if you won’t be in the U.S. for long, since you only pay for the minutes you need and don’t rely on a phone plan or internet connection.

Bundles with minutes to Guatemala included

Some providers offer low-cost bundles with minutes to call Guatemala. Examples include Rebtel and Boss Revolution.

Tips to avoid extra charges on your calls

The cost of calling Guatemala can end up higher than expected. Here are some tips to keep in mind.

Common dialing mistakes when calling Guatemala:

• Not dialing the full international prefix. 

If you don’t dial the U.S. exit code 011 + Guatemala’s country code 502, the call may not connect or may be billed as a domestic call.

• Adding a 0 to mobile numbers. 

In Guatemala, both landlines and mobiles have 8 digits, so there’s no need to add a leading 0.

• Mixing up the first digit. 

The first digit indicates landline vs. mobile. If you confuse it, the call may fail or connect using another country’s code.

• Not checking your plan or rates before calling. 

Carefully review plan costs and pick the best rates to avoid overpaying.

Tips for immigrants who need to call Guatemala

• Use apps over Wi-Fi whenever possible. 

Mobile apps over Wi-Fi are the most affordable option—just make sure you have a strong signal for smooth calls.

• Confirm the Guatemalan number has 8 digits.

Guatemalan numbers always have 8 digits, whether landline or mobile.

• Compare rates across providers. 

Take time to compare rates and benefits—unlimited minutes, included data, social apps, etc.

Stay connected with your family in Guatemala with Común

Ready to call your loved ones in Guatemala? Remember you need the U.S. exit code, the country code, and the local number. You also learned practical tips to make the process easier.

Staying in touch across borders is essential to bridge the distance. Another way to care for your loved ones is by sending money through fair, secure services.

Discover all the benefits of Común!

• Checking account with clear, competitive fees.
• International money transfers.
• Común’s mobile app available in Spanish and English that accepts 100+ official IDs for account opening.
• Debit card for everyday purchases and payments.

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

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

What happens if I don’t dial 011 or “+”?

Your call won’t be recognized as international, so it may be treated as local or fail with an error.

What’s the cheapest option to call Guatemala?

Internet-based apps like WhatsApp are the most economical option.

How can I tell if a Guatemalan number is landline or mobile?

Landlines start with 2 and mobiles with 5.

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In today’s digital era, having access to technology that enables fast and secure money transfers is essential.

Zelle is a service that allows easy transactions, as it is integrated into the digital banking platforms of U.S. banks.

Without a doubt, Zelle is one of the most popular digital payment services in the United States. According to recent data, in 2024 the company processed more than $1 trillion across over 3.6 billion transactions.

Additionally, 151 million user and small business accounts are registered with Zelle, representing a growth of 16 million compared to 2023.

If you need to send or receive money, this could be an excellent option, since all you need is a mobile phone number or email address.

It is also integrated with major U.S. banks, such as Bank of America and Wells Fargo.

It is essential to know the list of banks that offer Zelle in the United States to ensure that you will be able to use the service through your bank—especially as new conditions came into effect in April 2025.

For this reason, we will explain in detail what Zelle is in the U.S., the main banks that support the service, and how it works.

What Is Zelle?

According to Denise Leonhard, CEO of Zelle, this company is not just a popular way to send money; it is a vital tool transforming the way money moves in the United States.

Zelle is a network developed by Early Warning Services, LLC, which allows digital payments and bank transfers between users of the same or different banks, mainly within the U.S.

It is directly integrated into banking apps, making it easier to manage transactions within the same mobile banking experience.

What Are the Benefits of Zelle?

Zelle offers multiple benefits for its users, such as:

Speed

Transfers are completed in minutes

Cost

Transfer service is free at most financial institutions

Ease of Use

No external app is required, as Zelle is integrated into bank apps

‍Accessibility

You only need the recipient’s email or phone number to send money

‍Coverage

Available through a large number of U.S. banks and credit unions

Direct Payments

Uses funds directly from your bank account; no need to top up a digital wallet

This service is an excellent option if you are looking to make fast, secure, and free transfers within the U.S., although it does not support international money transfers.

Major U.S. Banks That Work With Zelle

Zelle’s presence in daily financial operations has grown significantly. According to recent data, Zelle is integrated with more than 2,200 U.S. banks, 95% of which are community banks and credit unions.

Below is a list of major financial institutions using Zelle in 2025 and their transfer limit if applicable. Please refer to each financial institutions for the most up-to-date information

To use Zelle through these financial institutions, there is no need to download a third-party app, as all have direct integration. Additionally, transfers are free of charge.

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How to Receive Money Through Zelle

To receive money using Zelle, follow these steps:

• Make sure your bank offers Zelle integration
• Visit your bank’s website and register for Zelle
• Provide your mobile number and email address—others can use these to send you money
• Receive money directly in your bank account within minutes
• You can also send money to users registered with Zelle.

Note: To send and receive money through Zelle, both parties must have accounts at banks that support the service.

How to Check if Your Bank Offers Zelle

If you want to use Zelle and are unsure whether your bank supports it, visit Zelle’s official website and enter your bank’s name in the search bar. If it appears, you can use Zelle via your mobile banking app.

7 Reasons Banks Partner with Zelle

Integration with Zelle offers banks several advantages:

1. Increased Competitiveness

Zelle provides an edge over services like Venmo and PayPal, and encourages mobile banking app usage.

2. Improved Customer Experience

Zelle simplifies person-to-person transfers and consolidates transaction history in one place.

3. Cost Reduction

P2P transfers are more cost-effective than traditional payment methods like checks.

4. User Retention

Encourages more frequent use of the banking app and reduces customer churn.

5. Security

Backed by official U.S. financial institutions, Zelle adheres to strict banking and regulatory standards.

6. Speed

Zelle enables quick transfers, even between different banks.

7. Established System

With over 2,200 integrated banks, Zelle is a leading digital payments system, prompting other banks to join.

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Changes to the Zelle App

Zelle recently announced changes effective April 1. As of that date, users can no longer send or receive money through the standalone Zelle app.

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How to Continue Using the Service?

Users of the standalone app must now re-register through their bank’s online platform, provided the bank is integrated with Zelle.

If you do not have a bank account linked to Zelle, you will no longer be able to use the service. It is essential to review Zelle’s FAQ section for the latest updates and list of participating banks.

Important Security Tip:

Always verify the recipient’s information, as Zelle does not offer fraud or error protection. Once money is sent, the transaction cannot be canceled.

Does Your Bank Not Offer Zelle? Use Comun to Easily Transfer Money in the U.S.

If your account is not with a Zelle-integrated bank, or if you used the standalone Zelle mobile app and don’t have a bank account, there is a solution designed for you that simplifies transfers and financial inclusion in the U.S.

Comun offers an easy, accessible, and affordable alternative for making transfers and payments.

It is a platform that promotes financial inclusion for individuals facing barriers with traditional

U.S. banks, offering a user-friendly, Spanish-language service. Some key benefits of Comun include:

• Apply using your official ID from your country
  
• Access a mobile app
• Receive a debit card for purchases
• Make low-cost transfers within and outside the U.S.
• Send money to friends and family to LATAM starting at $2.99 transfer fee

Open your Comun account and start your financial life without complications.

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