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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How to send money to someone using Zelle from Común

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Driver’s license in the United States for foreign nationals: steps and requirements

Having a driver’s license makes everyday tasks easier, such as going to work, the supermarket, school, medical appointments, and more. This process is especially important for immigrants living in the United States, as it gives them independence and stability in the country.

Although the process to obtain a driver’s license varies in each state, foreign nationals do have the possibility and the right to obtain one. Below, we explain all the details so you can get this permit soon.

Can you drive with an international license in the United States?

If you have recently arrived in the United States and need to get around in your own car, you may temporarily use the driver’s license from your home country, as long as it is issued in English or accompanied by an international driving permit.

As a new driver in the United States, you must understand the difference between an international license and a local one: the former supplements your national license and allows you to drive in the U.S. for a few months; the latter is issued by the Department of Motor Vehicles (DMV) in each state and grants you a permanent permit to operate a motor vehicle in the country.

Regulations differ in each state: for example, in California you can drive with a valid foreign license until you become a resident. In contrast, in Texas your national license is valid for 90 days, and you must always carry your passport or visa.

Allowed period to drive with a foreign license

The maximum time allowed to drive with a foreign license varies depending on each state’s local regulations. In general, the period can range from 30 days to one year, from the day you arrive until you establish yourself as a permanent resident.

When is it necessary to apply for a U.S. driver’s license?

If you plan to live in the United States for a longer period, you need a U.S. driver’s license to drive. It is also essential if you plan to buy a car.

Also, remember that in some states the period to drive with a foreign license is limited, so you should consider applying for a U.S. license before that deadline expires.

Requirements to obtain a driver’s license in the U.S. as a foreign national

The requirements to obtain a driver’s license also vary by state, although the general structure is similar.

This is the documentation needed to obtain a driving permit in the United States.

• Valid passport or official identification: used as proof of identity.

• Proof of residency: can be a utility bill, rental agreement, or official letter showing your address.

• Immigration status or proof of legal presence: such as the Employment Authorization Document (EAD) or the I-20 form for students.

• Social Security Number (SSN) or an SSA ineligibility letter.

Keep in mind that states such as New York and Illinois allow applicants to obtain a driver’s license without considering immigration status.

Learn here how to send money without a bank account.

5 steps to apply for your U.S. driver’s license

Getting your driver’s license may seem like a complex and tedious process. In reality, you only need to stay organized and take the time to understand the guidelines.

Step 1. Gather your documents

Before going to a DMV office, make sure to prepare the required documents. In the previous section we outlined what you generally need, but remember to check for variations in the state where you live.

Step 2. Schedule an appointment at the DMV

Then, visit the DMV website and book an appointment. On the scheduled day, your documents will be reviewed and you will be given a date for the written exam.

Step 3. Take the written exam

The written exam evaluates your knowledge of traffic rules and road safety. Each state offers a driver’s manual to study for the test, and some are available in other languages, such as Spanish.

If you pass, you will receive a learner’s permit that will allow you to take the driving test under the guidance of an instructor.

Step 4. Take the driving test

The next step is probably the most challenging, as you must apply your theoretical knowledge in real driving practice. During the test, the instructor will evaluate your ability to follow traffic signs, park, turn, and follow safety rules.

Step 5. Pay the corresponding fees

Once you pass your driving test, you must pay a fee that varies by state. Initially, you will receive a temporary license and later receive your permanent license by mail.

Costs, timelines, and validity of a U.S. driver’s license

The cost of a driver’s license in the United States depends on each state, but generally includes the cost of the written exam, driving test, and issuance. The validity also varies by state, but it is usually between 4 and 8 years.

Additionally, a positive update for immigrants is that more states are removing immigration status requirements to issue a driver’s license; this is the case in California, New York, and Illinois.

If you have questions about the specific requirements in your state, check the updates on the official DMV website.

Drive toward your financial independence with Comun

Having a U.S. driver’s license represents another step toward achieving financial independence and making it easier to move around your city. Therefore, it is essential to understand the process to obtain one, as well as the differences in each state.

In other words, having a license simplifies and improves your life by making everyday tasks more accessible. Likewise, Comun is the financial platform that helps you manage your money safely and without complications.

Open your account with Comun and take the next step toward your independence in the United States. Manage your money with confidence, clarity, and support at every step.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

How long can I drive with my foreign license in the U.S.?

The duration varies depending on the state you are in, but generally ranges from three months to one year.

What happens if my immigration status changes after I obtain my license?

If your immigration status changes after you obtain your driver’s license, it is recommended to update your information at the DMV. You may need to apply for a new license or present updated immigration documentation.

Is it valid to use an international license in all states?

Although the international driving permit (IDP) is accepted in most states, it must be accompanied by a valid national license. Additionally, there may be restrictions on how long it can be used in each state.

Can I get a driver’s license without a Social Security Number (SSN)?

Yes, it is possible to apply for a driver’s license without an SSN in several states. In this case, you must present an ineligibility letter issued by the Social Security Administration (SSA).

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What is a bank account number and understanding bank account numbers: A 2026 guide for immigrants

If you recently opened your first bank account in the U.S. or received account and routing numbers you do not fully understand, learning what these numbers mean can make everyday banking much easier. These numbers are commonly used for direct deposits, tax refunds, ACH transfers, and automatic bill payments.

Your bank account number works as the identifier for your personal account within the banking system. Combined with your routing number, it helps employers, government agencies, and payment platforms send money to the correct place securely.

What is a bank account number?

A bank account number is a unique sequence of digits assigned to an account holder by a financial institution. It functions much like a physical address for your account within the broader banking network, distinguishing your account from others and ensuring that transactions are accurately processed.

Structure of a bank account number

The format of bank account numbers varies by financial institution, but generally includes several key components:

• Bank code/institution number: identifies the financial institution
• Branch code/sort code: identifies the specific branch where the account was opened
• Account number: the unique identifier for your personal account
• Check digits: help detect typing errors

What is the bank account number used for?

• Payroll direct deposits
• IRS tax refunds
• ACH transfers between banks
• Automatic bill payments
• Identity verification with financial institutions

Account number vs. routing number: what is the difference?

Routing number:

A 9-digit code that identifies the bank or financial institution. It is the same for all customers at the same bank.

Account number:

Unique to your specific account. No one else at the bank has the same account number as you.

When setting up a direct deposit, you generally need to provide BOTH: your bank's routing number and your personal account number.

Where do you find your account number?

• On your checkbook checks (bottom section)
• In your bank's mobile app (account information section)
• On bank statements
• By contacting your bank's customer service

How to protect your account number

• Share it only with trusted entities like your employer or the IRS
• Monitor your account regularly for unauthorized activity
• Do not post it on social media or unsecured emails
• If you suspect your account number was compromised, contact your bank immediately

FAQ

Does my account number change if I lose my debit card?

Generally no. Your card number is different from your bank account number. When you lose your card, the bank issues a new card with a different number but your bank account number generally remains the same.

Can I have more than one account number at the same bank?

Yes. If you have multiple accounts (e.g., checking and savings) at the same institution, each account has its own unique number but they will share the same routing number.

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

ITIN vs SSN: What's the difference and why does it matter?

If you are authorized to work in the United States, you need a Social Security Number (SSN). If you are not eligible for an SSN but still need to file taxes or access certain financial services, you may need an Individual Taxpayer Identification Number (ITIN).

If you recently moved to the United States, you have probably heard the terms 'ITIN' and 'SSN' many times already. They often come up when opening a bank account, filing taxes, applying for work, or trying to build credit.

Understanding the ITIN vs SSN difference matters because each number serves a different purpose in the US financial and tax system.

What is an SSN?

A Social Security Number (SSN) is a nine-digit identification number issued by the Social Security Administration. It is primarily used to track earnings, taxes, and eligibility for certain federal benefits.

SSNs are generally issued to:

• US citizens
• Permanent residents
• Certain noncitizens authorized to work in the US (for example: people with work visas, some asylum applicants or refugees)

An SSN is required for legal employment, payroll reporting, and access to some government programs.

What is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service, known as the IRS. ITINs are designed for people who are not eligible for an SSN but still have US tax filing obligations or need access to certain financial services.

An ITIN can be used by:

• Immigrants without SSN eligibility
• Dependents or spouses of US residents or visa holders
• International students or temporary visa holders in certain situations
• Individuals required to file US taxes

It is important to note that an ITIN does not authorize someone to work in the United States.

ITIN vs SSN Comparison Table

Which one do I need?

You need an SSN if:

• You are a US citizen
• You are a permanent resident
• You are legally authorized to work in the United States
• Your employer requires it for payroll and tax reporting

You may need an ITIN if:

• You are not eligible for an SSN
• You still need to file taxes in the United States
• You want to access and open financial accounts
• You want to begin building a financial history

Many recent immigrants apply first for an ITIN while they are still navigating the US financial system or while they're waiting for changes in their work authorization status.

Can I have both an ITIN and an SSN?

Yes, in some situations a person may have both at different stages of their life. For example, someone may initially receive an ITIN because they are not eligible for an SSN at the time. Later, if they become eligible for work authorization or permanent residency, they may receive an SSN. When this happens, the SSN becomes the primary identification number used for taxes and financial reporting.

What can I do with each?

An SSN can be used to:

• Work legally in the United States
• Receive wages through payroll systems
• File taxes
• Access certain federal benefits if eligible
• Open debit card and checking accounts
• Apply for loans and credit products
• Build credit history

An ITIN can be used to:

• File taxes with the IRS
• Open debit card and checking accounts at institutions that accept ITINs
• Build credit with lenders that report ITIN activity
• Establish financial history in the US

Can you work with an ITIN?

An ITIN itself does not authorize employment in the United States. It is primarily a tax identification number used for IRS reporting purposes.

Does an ITIN build credit?

An ITIN may help some people begin building credit history in the United States. Certain banks, lenders, and financial platforms report account activity linked to ITINs to credit bureaus. Policies vary by institution.

How can I apply for an ITIN?

Applying for an ITIN generally involves submitting:

• A completed IRS Form W-7
• A valid federal tax return (unless you qualify for an exception)
• Proof of identity and foreign status

The IRS may request original documents or certified copies depending on the situation. Processing times may vary.

How can I apply for my ITIN with Común?

If you need or want help with the application process, Común offers ITIN application support for $199 with a money-back guarantee if the application is not approved. Visit comun.app/itin to learn more.

Requirements to apply for an ITIN with Común:

• You must live in the U.S.
• You must have a valid passport with an expiration date more than 6 months from the date of your application
• You will need to file your taxes to apply for an ITIN

The process:

• We recommend you open a debit account with Común from your mobile phone
• Complete the application form at comun.app/itin and submit your payment
• Upload a scan of your passport
• If you choose to file your taxes along with your ITIN application, upload documentation of your income from the previous tax year
• Común's agents will contact you via email if they have any questions
• Print, sign, and submit your completed official ITIN application (Form W-7)
• Común's agents will submit your application to the IRS

The application process does not consider your immigration status, and your status will not be reported to any government immigration authority.

Open your Común Account

A debit account can be a great first step to building your financial future in the United States. Común allows customers to open a debit account using ITIN, passport, country-of-origin ID, or more than 100 accepted Latin American valid IDs. You can open your Común account from your phone. The app is available in Spanish. Visit comun.app to learn more.

FAQ

What is the difference between ITIN and SSN?

An SSN is issued by the Social Security Administration primarily for employment, taxes, and federal benefits eligibility. An ITIN is issued by the IRS for people who are not eligible for an SSN but still need to file taxes or access certain financial services.

Can I have both ITIN and SSN at the same time?

In some situations, yes. A person may first receive an ITIN and later become eligible for an SSN. Once an SSN is assigned, it generally becomes the primary number used for taxes and financial reporting purposes.

Can I work legally in the US with an ITIN?

An ITIN alone does not authorize employment in the United States. It is primarily used for tax identification and reporting purposes through the IRS.

Do I need an SSN to open an account?

Not always. Some financial institutions, including Común, allow customers to open debit accounts using an ITIN, passport, or other forms of identification.

How do I apply for an ITIN?

Applying for an ITIN generally requires completed IRS Form W-7, identity documentation, and a filed federal tax return. The IRS may also request certified supporting documents.

How long does the ITIN application take?

Processing times can vary depending on the time of year and the completeness of the application. In many cases, ITIN applications may take several weeks to process after submission to the IRS.

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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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Remittance services: sending money to Latin America

For millions of Latin Americans living in the United States, sending money back home is part of everyday life. For many, their families and friends back home often depend on fast and reliable remittances from the United States. Today, there are many service providers for sending money to Latin America available in the market, each offering different advantages and disadvantages and choosing the right one is key to make the most out of your hard-earned money. A useful approach is to understand how remittance pricing works, what factors affect the total cost, and how to compare the services based on your specific needs.

How to measure the real cost of a remittance?

The real cost of a remittance is determined by different elements:

• The transfer commission.
• The exchange rate being offered at the moment.
• Additional service fees.
• Delivery method.
• Transfer speed.
• Promotional pricing conditions.

In practice, the exchange rate often has the biggest impact on how much money the recipient actually receives. For example, two providers may advertise similar fees while delivering noticeably different final amounts because of the FX spread built into the exchange rate.

What is the FX spread?

The FX spread is the difference between:

• The real market exchange rate (this is also called the mid-market or interbank rate)
• The exchange rate the service provider gives you

This difference is where some remittance service providers generate revenue. The same reason why two services with the same "$0 fee" can have very different final costs.

The most popular remittance services used by Latin Americans in the U.S.

Different services work better for different types of users. Here you can find a general overview of the providers most commonly used by the Latino communities in the United States.

Western Union

Western Union is one of the largest remittance companies in the world, with an extensive cash pickup network across thousands of locations in Latin America.

Strengths:

• Large global network
• Cash pickup availability
• Multiple delivery methods

Limitations:

• Exchange rates may vary significantly
• Fees depend on payment method and destination

Ria Money Transfer

Ria Money Transfer offers payments from the US to more than 165 countries across the world, with delivery options including cash collection and delivery to either a mobile money wallet or bank account.

Strengths:

• Wide coverage
• Competitive options in some corridors
• Cash pickup availability

Limitations:

• Pricing varies depending on country and delivery method
• Exchange rate competitiveness changes daily

MoneyGram

MoneyGram is a service provider of international remittances that enables individuals to send and receive money internationally and domestically.

Strengths:

• Extensive cash pickup network
• Fast transfers in some cases
• Availability in multiple countries

Limitations:

• Fees and FX spreads can vary widely
• Final cost depends heavily on transfer method

Félix Pago

Félix Pago is a WhatsApp-based platform focused on servicing the Latino community in the U.S. to send money throughout Latin America.

Strengths:

• Mobile-first experience
• Speed and convenience

Limitations:

• Coverage and features may vary by destination
• Transfer economics depend on corridor and timing
• Not every user prefers chat-based transfers

Común

Común offers the possibility to open a debit account in the USA and send money home from Común's app or WhatsApp.

Strengths:

• Spanish-first app and customer support
• Convenient with a mobile-focused experience
• Promotional FX rate available on the first transfer
• Accepts more than 100 Latin American IDs to open a debit account
• Transparent fees

Limitations:

• Exchange rates and transfer costs vary daily
• The final recipient amount depends on the destination country, transfer method, and market conditions

Remittance services: a general comparison

Today, the remittance service provider market in the U.S. can be divided into two major categories:

Traditional remittance agencies

Companies that offer physical networks and cash pickup infrastructure. For example: Western Union, Ria Money Transfer or MoneyGram.

Fintech alternatives

These platforms focus on mobile experience, transparent pricing, digital account management, accessibility for immigrants in the U.S. and some offer Spanish-first experiences. Examples: Común and Félix Pago.

Why do comparisons matter?

Exchange rates change every day and promotional offers can also change. This is why it's important to compare what's the best service provider for your current situation. If possible, it is recommended to use a tool to have a better perspective on your remittance costs. For example Común has a live calculator at comun.app/compara designed to help you understand the exact conditions of your transfer.

Beyond the exchange rate

For many immigrants in the United States, choosing the best remittance services is not just based on who offers the best exchange rate. The accessibility to the services can shape the entire experience of sending money. Some people may not have a Social Security Number, a traditional U.S. bank account, or an easy way to verify their identity through conventional financial systems. Language can also play an important role for navigating financial apps especially with customer support and understanding the specific transfer policies. Being able to do financial transactions in a native language can make transactions feel less stressful.

The competitive market landscape in the U.S. makes it possible for Latin American immigrants to compare options for their remittances. Today, you can look beyond the exchange rate and consider factors like Spanish-language support, flexible identification requirements, mobile accessibility and transparency around fees and/or transfer conditions. The best remittance service provider is the one that offers pricing, services and access that fit your needs. Común's app is available in Spanish, accepts more than 100 Latin American IDs and offers transparent fees.

How to choose the right remittance service for your situation?

There is no universal "best" remittance provider. The right option depends on how often you send money, where you are sending it, how your recipient receives the funds, and what kind of financial access you have in the United States. Choosing based on your own priorities is often the best path.

If this is your first transfer

Many remittance services offer promotional pricing or preferred exchange rates for first-time users. These promotions can temporarily improve the amount received by your family, but they do not always reflect the long-term cost of using the platform.

For example, some digital services may offer stronger FX rates on the first transfer, while traditional providers occasionally waive transfer fees for new customers. However, the total value still depends on the exchange rate, transfer speed, and delivery method.

Before sending your first remittance, it is important to consider:

• The final amount your recipient will receive
• If the promotion applies to your destination country
• Delivery times
• Bank deposit vs cash pickup options

To compare exchange rates you can always use a tool, for example, comun.app/compara is designed to help people understand the cost of their transfer.

If you do not have an SSN

Access to financial services can vary significantly for immigrants in the United States, especially for people who do not have a Social Security Number. This can make onboarding slower or more complicated for recent immigrants, ITIN holders, or people primarily using foreign identification documents.

Some remittance service providers have adopted more flexible verification models. Común, for example, accepts more than 100 Latin American IDs. It is recommended to check with every institution their specific verification requirements.

If you send money regularly

People who send remittances every month can benefit more from consistency than from temporary promotions. For frequent senders, it can be useful to review:

• Ongoing exchange rates
• Fee transparency
• Recurring transfer options
• Convenience: for example mobile app or WhatsApp transfers
• Customer service availability

If your family depends on cash pickup

Cash pick-up continues to play a major role across many parts of Latin America, especially in smaller cities or rural communities where bank access may be limited.

Traditional remittance companies like Western Union, Ria Money Transfer, and MoneyGram offer large physical networks that allow recipients to collect money in person at supermarkets, convenience stores, banks, and local partner locations.

Before choosing a provider, it is helpful to verify:

• Whether cash pickup is available in the destination city
• Pickup hours and accessibility
• Transfer speed
• Identification requirements for recipients
• Maximum transfer limits

In some cases, the best service is simply the one your recipient can access easily. Común offers cash pick ups with options in some stores and banks.

If you prefer convenience: mobile-first experiences

Over the past years, mobile-first experiences have become popular given the convenience of being able to send remittances from one's mobile phone.

Digital-first services can offer:

• Faster onboarding
• Mobile transfers
• Real-time notifications
• Simpler account management

Platforms like Común and Félix Pago are examples of services designed around mobile experiences for Latino immigrants. For people who feel more comfortable managing their transfers from their phones, these platforms can feel faster and more convenient.

FAQ

What is the cheapest service to send remittances to Latin America?

There is no single service that is always the cheapest. Costs depend on exchange rates, transfer fees, destination country, payment method, and whether you qualify for a first-transfer promotion. The best way to verify your exact case is to compare providers.

What is the FX spread and why does it matter when sending remittances?

The FX spread is the difference between the real market exchange rate and the exchange rate offered by the remittance provider. A weaker exchange rate can reduce the amount your recipient receives.

How can I verify the real cost before sending a remittance?

The best way is to compare the total recipient amount, exchange rate, fees, and promotional conditions before sending money. Some service providers offer tools that calculate the costs before sending the remittance. Común's live comparison calculator is designed to help users verify this information in real time.

Do all remittance services offer cash pickup options?

No. Some remittance providers specialize in bank deposits or digital wallet transfers, while others maintain extensive cash pickup networks across Latin America. Before sending money, it is important to confirm how your recipient prefers to receive funds and whether pickup locations are accessible in their area.

Why do exchange rates change between remittance providers?

Each provider sets its own exchange rates based on market conditions, operating costs, transfer corridors, and promotional strategies. Because rates can change daily, comparing providers before each transfer can help users better understand the total cost of sending money.

Final thoughts

The remittance industry has changed significantly over the past decade, today sending money to Latin America is no longer limited to one type of service or provider. Immigrants in the United States can choose between traditional cash pickup networks, digital-first platforms, and hybrid financial services depending on what works best for their families.

For many people, the real value comes from the full experience from the convenience of usage, accessibility to the services and knowing exactly how much money will arrive can matter just as much as costs. Común offers transparent pricing, an app available in Spanish and a comparison tool that helps users review transfer costs before sending money.

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Cheapest Cities to Live in the United States (2026)

Living in large metropolitan areas such as New York City, Los Angeles, or Miami can be expensive, especially when it comes to housing, transportation, and everyday expenses. For many people, including recent immigrants, young professionals, and families trying to build financial stability, the affordability of a place may play an important role when deciding where to live in the United States.

There are cities across the country where the overall cost of living can be lower while still offering access to jobs, public services, universities, and established communities. Cities such as Cleveland, Detroit, Toledo, Wichita, and Memphis are often recognized among the more affordable cities to live in the United States due to their relatively lower housing costs and cost-of-living indexes.

This guide explores some of the more affordable cities to live in the U.S., the factors that influence affordability, and considerations that may help when choosing a city that fits your budget, lifestyle, and long-term goals.

Factors that influence the cost of living in cities in the U.S.

Housing and rent

Housing is usually one of the largest expenses for households in the U.S. The national median home price ranges from approximately $408,800 to $437,000. In major metropolitan areas, average rents can exceed $2,000/month. In the most affordable cities, median home prices can be as low as $75,000–$150,000, and one-bedroom apartments often rent for $600–$900/month.

Utilities and groceries

Utility costs such as electricity, water, internet, and heating can vary depending on the region and climate. Grocery prices can also differ between cities depending on transportation costs, local agriculture, and overall demand.

Transportation and mobility

In some larger cities, public transportation may reduce the need for a car. In smaller or more spread-out cities, owning a vehicle may be more needed, which can add costs such as gas, insurance, parking, and maintenance.

Job Opportunities and Salaries

A lower cost of living may not always translate into greater affordability if local salaries are significantly lower. According to the U.S. Census Bureau, the national median household income was approximately $83,730 in 2024.

The 10 most affordable cities to live in the United States

1. Cleveland, OH

Cleveland consistently ranks among the most affordable large cities in the United States. Its overall cost of living runs approximately 7–17% below the national average, with housing costs particularly low. Median home prices range from roughly $105,000 to $150,000, a fraction of the national median. The city's economy is anchored in healthcare and advanced manufacturing, with the Cleveland Clinic and University Hospitals serving as two of the region's largest employers. Cleveland is also home to approximately 49,500 Hispanic residents, making it the second-largest Latino community of any city in Ohio, with established Puerto Rican, Mexican, and Central American communities.

2. Detroit, MI

Detroit stands out for its exceptionally low housing purchase prices. Houzeo reports a median sale price of $82,000, while Redfin records a higher median of $104,000 as of March 2026. Significant investment in downtown revitalization, automotive industry jobs, and a growing startup scene have improved its economic outlook.

3. Toledo, OH

Toledo is one of the lower-cost cities in the Midwest. Redfin puts Toledo's median sale price at $111,000 as of February 2026, noting that Toledo's median is 68% lower than the national average. Manufacturing, healthcare, and logistics remain important parts of the local economy, and the city has an established Latino community with access to Spanish-speaking services.

4. Wichita, KS

Wichita's cost of living is 12% lower than the national average, with housing 35% cheaper than the U.S. average. The median household income is $63,072. Redfin reports a median sale price of $235,000 in March 2026. The aerospace and manufacturing industries are major employers.

5. Memphis, TN

Memphis's overall cost of living is 11% lower than the national average. Redfin reports a median sale price of $170,000 in February 2026, noting Memphis's median is 51% lower than the national average. Average rents for a one-bedroom are typically in the $800–$950 range. Memphis is a logistics and distribution hub — FedEx is headquartered there.

6. Tulsa, OK

Tulsa is often viewed as one of the more affordable cities in the South-Central United States, with housing costs remaining below those in many larger U.S. metros. The city gained national attention through the Tulsa Remote program. Energy, healthcare, and finance continue to be important industries in the local economy.

7. Knoxville, TN

Knoxville's cost of living is 14% lower than the national average. The city combines lower overall costs with access to universities, healthcare systems, and outdoor recreation in the Appalachian region. Redfin reports a median sale price of $307,000 in March 2026.

8. Birmingham, AL

Birmingham is frequently recognized as one of the more affordable cities in the Southeast. Healthcare remains one of the city's largest industries, particularly because of the University of Alabama at Birmingham and its medical network. Housing prices and rental costs may remain lower than those found in many larger Southern metropolitan areas.

9. Indianapolis, IN

Indianapolis is often categorized as a lower-cost mid-sized city. The city has continued expanding in sectors such as logistics, healthcare, and technology, while maintaining housing prices that are often lower than those in coastal metropolitan areas. Indianapolis also has a growing Latino community and multiple immigrant support organizations.

10. Brownsville, TX

Brownsville is often highlighted for its affordability and strong connection to Latin American culture. Located within the U.S.-Mexico border, the city has one of the largest Spanish-speaking populations in the country (94% Hispanic), which may make everyday life more accessible for recent immigrants and bilingual families.

Comparison Table: Cost of Living by City (2026)

How to choose the ideal city?

An affordable city may look attractive on paper, but the best option can still vary depending on your personal situation, work opportunities, and long-term goals.

Family budget:

For most households, housing remains the largest monthly expense. Neighborhood-level costs may vary significantly within the same city.

Community and support networks:

For many immigrants, having access to a strong community network can make the transition to a new city easier. Cities with established Latino communities may offer more Spanish-speaking services, cultural organizations, churches, restaurants, and local businesses.

Job availability:

A lower cost of living may not always translate into greater financial stability if local salaries and job opportunities are limited. For remote workers, choosing a lower-cost city may also provide more flexibility.

Access to services and education:

Before moving, it may help to consider commute times, fuel costs, access to public transit, and proximity to schools, grocery stores, and healthcare services.

Manage your finances in the US with Común

Choosing an affordable city is only one part of building a stable life in the United States. Común offers a debit account that can be opened with more than 100 valid Latin American IDs. The app and services are available in Spanish and users can conveniently send money from their phone to 10+ countries in Latin America. Visit comun.app to learn more.

FAQs

What is the cheapest city to live in the US?

Based on 2026 cost-of-living data, Cleveland, OH and Detroit, MI rank among the cheapest large cities in the United States, with cost-of-living indexes well below the national average.

Where can you find the most affordable housing in the US?

The most affordable housing markets in 2026 tend to be in the Midwest and South, particularly in Ohio, Michigan, Tennessee, Alabama, and Oklahoma.

Which cities offer a balance between employment and affordability?

Indianapolis, IN and Knoxville, TN are frequently cited for combining affordability with strong job markets.

How do I calculate the cost of living before moving to a new city?

Start with the three largest expenses: housing, transportation, and food. Use tools like the C2ER Cost of Living Index or Numbeo's city comparison tool to compare cities side by side.

Which cities have the largest Latino communities and affordable cost of living?

Brownsville, TX has a 94% Hispanic population and a cost of living approximately 12–16% below the national average. Toledo, OH, Cleveland, and Indianapolis also have established Latino communities and Spanish-language services.

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The cheapest states to rent in the United States in 2026

Based on recent rental market data, West Virginia continues to rank among the lowest-cost states for renters, with a 2025 Fair Market Rent of approximately $801 per month for a one-bedroom apartment. Arkansas and Mississippi also remain among the most affordable states to rent, with estimated one-bedroom Fair Market Rents of roughly $811 and $910 per month respectively. Other states frequently appearing among the cheapest states to rent include Oklahoma, Kansas, Iowa, Alabama, Indiana, Wyoming, and Ohio.

The national average asking rent for a one-bedroom apartment in the US sits at around $1,576 per month — a figure that can consume a significant share of the household's income. However, the average masks the variations across the country.

Why do rent prices vary so much by state?

Rent prices are not a single national market, they are thousands of local ones. The gap between the cheapest and most expensive states may be more than $1,600/month for a comparable unit. Several structural factors explain why a one-bedroom in Iowa can cost a fraction of what it does in California:

• Housing supply and construction pace. States with fewer building restrictions and lower land costs tend to have more available units, which keeps prices more accessible.
• Local economy and wages. Higher-income cities attract more renters competing for the same units, pushing prices up.
• Urban vs. rural mix. A state dominated by mid-sized cities will register lower averages than one anchored by major coastal cities.
• Regulatory environment. Zoning laws, permitting processes, and landlord-tenant regulations influence how fast housing supply can respond to demand.
• Climate and geography. Desirable coastal cities or warmer climates attract more people, which drives up rents over time.

The 10 cheapest states to rent in the U.S. in 2026

1. West Virginia — 1BR FMR: ~$801/month

West Virginia holds the lowest 1-bedroom Fair Market Rent of any state in the US at $801/month. The median rent statewide sits around $883/month across all unit types, with West Virginia apartments running roughly 41.6% less expensive than the national 2BR average. In 2024, 64.8% of leased homes in West Virginia rented for less than $1,000/month.

2. Arkansas — 1BR FMR: ~$811/month

Arkansas is consistently cited among the states with the lowest rent in the US. The 2025 HUD Fair Market Rent for a 1-bedroom is $811/month, and the state's apartments run roughly 41.4% less expensive than the national 2BR average. In 2024, 51.9% of leased homes in Arkansas rented for less than $1,000/month.

3. Mississippi — 1BR FMR: ~$910/month

The 2025 HUD Fair Market Rent for a 1-bedroom is $910/month, and some market-rate data places average 1BR asking rents lower, around $785–$825/month. In Jackson, the state capital, a 1-bedroom apartment may average around $785/month. The state has a notable Latino community in agricultural and food-processing hubs.

4. Oklahoma — 1BR avg: ~$850–$875/month

Oklahoma may offer some of the most affordable urban rent in the country. Oklahoma City's average 1BR rent sits around $875/month, ranking among the cheapest large cities to rent in the US. The state's housing index sits at approximately 67.9, meaning homes and rentals cost about 32% less than they do nationally.

5. Kansas — 1BR FMR: ~$885/month

Kansas delivers consistent affordability, with a 2025 HUD Fair Market Rent for a 1-bedroom at $885/month, roughly 35.6% below the national 2BR average. The median home price in Wichita, Kansas' largest city, was approximately $198,000 in Q1 2026.

6. Iowa — 1BR FMR: ~$839/month

The 2025 HUD Fair Market Rent for a 1-bedroom is $839/month, with Iowa apartments running 38.3% less expensive than the national 2BR average. Iowa households spend just 17% of their income on housing, the lowest share of any state in the country.

7. Alabama — 1BR FMR: ~$905/month

Alabama's apartments run roughly 36.4% less expensive than the national 2BR average. The 2025 HUD Fair Market Rent for a 1-bedroom is $905/month. The median home price of approximately $179,400 is among the lowest in the country. In 2024, 42.8% of leased homes in Alabama rented for less than $1,000/month.

8. Indiana — 1BR avg: ~$900–$950/month

Indiana sits comfortably in the affordable tier, with average 1BR rents well below $1,000/month in most markets. Indianapolis offers sub-$1,000 rents in a metro with a job market ranging from logistics, healthcare, technology, to life sciences. Indianapolis' growing Latino community has made the city an increasingly relevant destination for immigrant families relocating to the Midwest.

9. Wyoming — 1BR FMR: ~$836/month

Wyoming's sparse population keeps rental demand low and rents affordable. The 2025 HUD Fair Market Rent for a 1-bedroom is $836/month. In 2024, 50.2% of leased homes in Wyoming rented for less than $1,000/month. Wyoming has no state income tax.

10. Ohio — 1BR avg: ~$950–$1,000/month

Average 1BR rents hover near $950–$1,000/month while the state's cost of living runs roughly 8–9% below the national average. Ohio's combination of major metro accessibility and rental affordability makes it a compelling option.

Comparison table of the cheapest states to rent in the US (2026)

How to choose the right State for your budget and lifestyle?

Rent-to-income ratio, not just the rent number:

Some cheap-rent states also have lower wages. Mississippi, for example, ranks near the bottom for rent in dollars, but can rank near the top in terms of what percentage rent makes up of earned income.

Job availability in your field:

Employment opportunities can vary significantly from state to state. States such as Ohio, Indiana, and Alabama tend to have more diversified economies. For remote workers, lower-cost states may provide greater financial flexibility.

Community and support networks:

For immigrants and families relocating to a new area, access to established communities can make a major difference. Cities with growing Latino populations, bilingual services, and community organizations may help newcomers feel more connected.

Climate and weather risk:

States in the Midwest can experience colder winters and higher heating costs, while Southern states may bring higher air conditioning expenses. Some regions may also face increased risks related to hurricanes, tornadoes, or flooding.

Compare the total cost of living:

Rent is only one part of a household budget. Groceries, utilities, transportation, healthcare, childcare, and taxes can also vary significantly by state.

Manage your finances in any state with Común

Moving to a more affordable state may help reduce financial pressure, but managing your money efficiently remains important no matter where you live. Visit Común's website or download the app to learn more.

FAQ

What is the cheapest state to rent in the US in 2026?

Based on HUD Fair Market Rent data, West Virginia has the lowest 1BR FMR of any state at $801/month and the lowest median rent overall at approximately $883/month.

Which states have the lowest average rent for an apartment?

The states with the lowest average apartment rent in 2026 are West Virginia, Arkansas, Iowa, Wyoming, Mississippi, Oklahoma, Kansas, Alabama, and Indiana. Average 1-bedroom rents in these states range from approximately $785 to $950/month.

How much should I budget for rent in the US?

The commonly cited guideline is to spend no more than 30% of gross monthly income on rent. In the cheapest states, where 1BR rents may run $800–$900/month, the same guideline requires roughly $2,667–$3,000/month in gross income.

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