What Is the Real-Time Payments (RTP) Network?

The Real-Time Payments (RTP) network is an advanced financial infrastructure designed to enable instant money transfers in real time. Introduced by The Clearing House in 2017, the RTP network enables immediate fund transfers between participating financial institutions. This system operates 24 hours a day, 365 days a year, ensuring transactions can happen anytime, including weekends and holidays.

Key features of the RTP network include:

• Immediate Fund Availability: Funds are available to the recipient within seconds of initiating the transaction.
• Enhanced Communication: The RTP system supports detailed messaging, letting senders and recipients exchange information about the payment.
• Greater Security: Advanced encryption and authentication measures help protect transactions against fraud.

Key Features of the RTP Network

• Speed: Transactions complete in seconds, providing immediate fund availability to the recipient.
• Security: The RTP network uses advanced encryption and authentication protocols to ensure transaction security.
• Transparency: Real-time updates and confirmations let both parties track their payment status instantly.
• Interoperability: The RTP network is designed to work seamlessly with various financial institutions, enabling broad compatibility and adoption.

The RTP network is designed to support a variety of payment types, including person-to-person (P2P), business-to-business (B2B), and business-to-consumer (B2C) payments, making it a versatile tool for modern financial operations.

How Do Real-Time Payments Work?

Real-time payments revolutionize the traditional banking experience by enabling instant money transfers. This efficiency is made possible by advanced technology and secure communication protocols. Here's a detailed look at how real-time payments work.

The Real-Time Payments Process

The mechanics of real-time payments involve several key steps, ensuring both speed and security:

Payment Initiation

• The sender initiates a payment service through their bank's online platform or a mobile app.
• Essential details are entered, like the recipient's account information, the amount, and the purpose of the payment.

Validation and Authentication

• The sender's bank validates the payment details and authenticates the sender's identity.
• Verification includes checking there are sufficient funds in the sender's account to cover the transaction.

Payment Transmission

• Once validated, the payment is transmitted through the RTP network.
• The RTP network facilitates real-time data exchange between the sender's and recipient's banks.

Receiving Bank Processing

• The receiving bank gets the payment instructions and verifies their authenticity.
• The receiving bank then credits the recipient's account with the specified amount.

Real-Time Confirmation

• Both sender and recipient receive real-time notifications confirming the successful transaction.
• This transparency ensures both parties are immediately aware of the payment's status.

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The Technical Infrastructure Behind Real-Time Payments

The smooth operation of real-time payments depends on robust technical infrastructure. Key components include:

• Payment Gateways: Facilitate the transfer of payment data between banks and the RTP network.
• APIs (Application Programming Interfaces): Let banks integrate their systems with the RTP network, ensuring seamless communication and transaction processing.
• Encryption Protocols: Protect transaction data during transmission, preventing unauthorized access.
• Fraud Detection Systems: Advanced algorithms and machine learning models monitor transactions in real time to detect and prevent fraudulent activity.

Security Measures in Real-Time Payments

Ensuring the security of real-time payments is fundamental. Several layers of security are implemented to protect transactions:

• Multi-Factor Authentication (MFA): Users are required to verify their identity through various authentication methods, like passwords, biometric data, or one-time codes.
• Encryption: All transaction data is encrypted during transmission to prevent interception and unauthorized access.
• Tokenization: Sensitive information, like account numbers, is replaced with unique tokens that can only be interpreted by authorized parties.
• Continuous Monitoring: Transactions are continuously monitored in real time to detect any unusual patterns that might indicate fraudulent activity.

Examples of Real-Time Payment Use Cases

Real-time payments are used in various scenarios, improving the efficiency of financial transactions across different sectors:

• Person-to-Person (P2P) Transfers: Friends and family can send each other money instantly, regardless of which bank they use.
• Business-to-Business (B2B) Payments: Businesses can pay suppliers and partners immediately, improving cash flow management and business operations.
• Business-to-Consumer (B2C) Payments: Businesses can pay employees, contractors, or service providers instantly, ensuring timely compensation.
• E-Commerce Transactions: Online retailers can receive payments instantly, enabling faster order processing and shipping.

Advantages of Real-Time Payments

The benefits of real-time payments are multifaceted and offer significant advantages over traditional payment methods:

• Speed: Instant transactions eliminate waiting periods for funds to become available.
• Convenience: Transactions can be made anytime, from anywhere, without the restrictions of banking hours.
• Efficiency: Simplifies financial operations for both individuals and businesses, reducing the time and effort needed to process payments.
• Transparency: Immediate notifications and confirmations keep all parties informed in real time.

Real-time payments represent a significant advance in the financial industry, offering a smooth, secure, and efficient way to transfer funds. As adoption of real-time payment systems continues to grow, the benefits will become increasingly widespread, transforming how we handle financial transactions.

RTP vs. Other Payment Types

Real-time payments (RTP) offer a distinct advantage over traditional payment methods by providing immediate transaction processing and fund availability. To fully understand RTP's benefits, it's helpful to compare them with other common payment types: Automated Clearing House (ACH) transfers and Instant Payments.

RTP vs. ACH

Automated Clearing House (ACH) transfers have been a mainstay in financial transactions for decades. However, RTP offers several improvements that make it a superior option in many scenarios. Here's a comparison:

• Speed:
• RTP: Transactions process instantly, with funds available to the recipient within seconds.
• ACH: Transactions generally take one to three business days to settle, since they're processed in batches.
• Availability:
• RTP: Operates 24 hours a day, 365 days a year, allowing transactions anytime, including weekends and holidays.
• ACH: Limited to business days and hours, with no processing on weekends or holidays.
• Cost:
• RTP: While costs can vary, RTP transactions typically have competitive fees, which can be lower than expedited ACH services.
• ACH: Generally lower cost for standard transactions, but expedited ACH transfers can carry higher fees.
• Transparency:
• RTP: Provides real-time transaction confirmations and detailed messaging capabilities, improving transparency.
• ACH: Notifications are often delayed, and detailed transaction messaging isn't as robust.
• Use Cases:
• RTP: Ideal for urgent payments, person-to-person (P2P) transfers, and business transactions requiring immediate fund availability.
• ACH: Suited for regular payroll, bill payments, and bulk transactions where immediate availability isn't critical.

RTP vs. Instant Payments

Instant payments, like those facilitated by credit card networks or certain digital payment services, also offer fast processing times. Here's how they compare with RTP:

• Processing Time:
• RTP: Transactions settle instantly, providing immediate fund availability.
• Instant Payments: Often processed in seconds or minutes, but settlement times can vary by service provider.
• Cost:
• RTP: Generally more cost-effective, especially for high-value transactions, since fees tend to be lower compared to credit card processing fees.
• Instant Payments: Credit card transactions can carry higher fees due to processing charges and interchange fees.
• Security:
• RTP: Uses advanced encryption, multi-factor authentication, and continuous monitoring for fraud detection.
• Instant Payments: Security measures vary by provider, but generally include encryption and fraud monitoring.
• Usage:
• RTP: Used for a wide range of transactions, including P2P transfers, B2B, and B2C payments.
• Instant Payments: Commonly used for consumer transactions, online purchases, and small business payments.
• Availability:
• RTP: Always available, regardless of time or day.
• Instant Payments: Availability depends on the service provider, but many offer near-instant processing.

Understanding these comparisons makes it clear that RTP brings a level of efficiency, convenience, and security that traditional payment methods can't match. As a result, RTP is gaining popularity for both personal and business financial transactions. Learn more about the different types of bank transfers

Instant Transfer Apps

Beyond traditional banking channels, instant transfer apps have emerged as popular tools for facilitating real-time money transfers. These apps leverage the Real-Time Payments (RTP) network and other real-time payment technologies to give users fast, convenient ways to send and receive funds. Let's explore some of the most widely used instant transfer apps and how they work.

Popular Instant Transfer Apps

• Venmo: A widely used app that lets users send and receive money with friends and family, with a social-media-like interface for added convenience.
• Zelle: Integrated with major banks, Zelle offers direct bank-to-bank transfers, making it convenient for users with accounts at participating financial institutions.
• Común App: Común is a newcomer to the instant transfer app market, gaining attention for its user-friendly interface and its focus on financial services driven by the immigrant community. With Común, users can send money instantly to friends, family, and businesses, while accessing a range of features designed to financially empower communities.

These apps have made instant transfers accessible to a wider audience, simplifying the process of sending and receiving money.

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Conclusion

Real-time money transfers, enabled by the RTP network and instant transfer apps like Venmo, Zelle, and Común, offer unmatched speed, convenience, and security in financial transactions. With immediate fund availability, round-the-clock operation, and user-friendly interfaces, these technologies are transforming how we manage our finances. Embracing real-time transfers opens new possibilities for efficient, inclusive financial interactions, empowering individuals and businesses worldwide.

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Surely during your stay in the United States you have heard about the well-known Green Card or permanent resident card.

It is a document issued by the U.S. government that allows immigrants to reside and work legally and permanently.

For immigrants, obtaining it is of utmost importance, as it also opens the door to several benefits, such as legal protection, the right to purchase property, and the ability to apply for lawful permanent residence for family members.

Thousands of migrants in the United States often ask the big question: “How can I live legally in the United States?” We know how important it is for you to achieve better living conditions to support your family and loved ones. Therefore, below you’ll find a guide with practical steps, eligibility categories, and the documents needed to obtain a Green Card and change your life in the United States.

Eligibility categories for the Green Card

There are several paths to obtain a green card. To know which one to take, you need to be clear about both your immigration status and the eligibility category that applies to your profile.

Family-based Green Card

The first category refers to permanent residence granted through immediate family members who already have legal status in the United States.

It is divided as follows:

• Immediate relatives of U.S. citizens: spouses and unmarried children under 21.

You must wait for approval of Form I-130 and then apply for residence; there is no annual cap.

• Family preference category: unmarried children over 21 of citizens; spouses and children of permanent residents; married children of citizens; and siblings of citizens.

You must file Form I-485. For this, you must wait until your priority date becomes current on the Visa Bulletin. Otherwise, you can only file the I-130.

Employment-based Green Card

• EB-1 visa: individuals with extraordinary ability, such as distinguished professors or researchers.

• EB-2 visa: accomplished professionals with an advanced degree and exceptional ability.

• EB-3 visa: skilled workers, professionals, and “other workers.”

• EB-4 visa: special categories such as religious workers, U.S. government employees, members of the Armed Forces, among others.

• EB-5 visa: for investors who allocate substantial funds to businesses that create at least 10 jobs in the country.

Process to obtain a work-based visa

• The employer files the PERM Labor Certification, demonstrating that there are no qualified or available U.S. workers for the position. To do this, they must submit Form ETA-9089 to the Department of Labor.

• Once employment authorization is obtained, the employer must file Form I-140 with USCIS, along with the approved PERM certification.

• The employee must apply for adjustment of status via Form I-485 (if in the United States) or do consular processing at a U.S. embassy.

• For the EB-2 visa, applicants may choose the National Interest Waiver (NIW), which eliminates the need for PERM.

Remember that to work legally in the United States you must obtain an SSN. Before obtaining residence, migrants often use an ITIN to file their tax returns.

Green Card for special immigrants

• VAWA visa: victims of abuse by a U.S. citizen or permanent resident.

• SIJ visa: minors who have been abused or abandoned by their parents.

• In both cases, applicants must file Form I-360.

Green Card through refugee or asylee status

• People admitted through an asylum claim or refugee status, as well as their immediate family members.

• In both cases, applicants must be physically present in the United States for at least 1 year and then file Form I-485.

Other categories

In addition, there are other less common categories:

• Diversity Visa (Green Card Lottery): an annual lottery of up to 50,000 slots. Selectees receive a consular interview, though it does not guarantee a visa.

• Cuban Adjustment Act: a special adjustment program for Cuban nationals.

Each category has different eligibility requirements and processing times, so it is very important to consult U.S. government guidance and, if needed, seek the support of an immigration attorney.

Steps to apply for a Green Card

Once you know, in broad strokes, the requirements to obtain a Green Card, you need to be clear about the application process you must follow.

Determine eligibility

Before starting any process, review the categories above and determine which best fits your profile—family, employment, special immigrants, etc.

We recommend reviewing the Visa Bulletin to verify the documents required for your category and ensure you have them.

File the initial petition

Once you are clear on the category that applies to you, you must file the form indicated for that category, along with the required supporting documents, for example:

• Valid passport (required for any category).

• Evidence of the family relationship, such as birth or marriage certificates.

• Job offer letter.

Adjustment of status or consular processing

After your corresponding form is approved, you must apply for adjustment of status or consular processing and pay the fee required by the Department of State.

• If you are in the United States, file Form I-485 along with evidence of eligibility.

• If you are in another country, you must submit the DS-260 at a U.S. consulate. This is the immigrant visa application for permanent residence.

Interview and biometrics

In the next step, you must attend an adjustment-of-status appointment, at which USCIS will take your fingerprints, biometrics, photo, and signature.

You must also attend an interview to answer questions related to your eligibility category.

Receiving the Green Card

Finally, your Green Card will be mailed to your address. Make sure to check that all details are correct and keep it in a safe place.

After some time, you may apply for citizenship if you meet the necessary requirements.

Maintaining and renewing the Green Card

Once you have your green card in hand, you must keep track of renewal periods to avoid issues after the expiration date.

Renewal and replacement

• A regular Green Card is valid for 10 years.

• To replace your Green Card, you must file Form I-90 at least 6 months before the expiration date.

• The same form is also used in case of damage or loss.

Removal of conditions

• Applies to conditional residents with a 2-year Green Card, generally based on a recent marriage to a U.S. citizen.

• File Form I-751 for marriage-based cases or the corresponding form for your category.

• You must submit the documentation required by USCIS, as well as attend an additional interview.

Important rules

• If you change your address, be sure to report it to USCIS promptly.

• If for any reason you need to spend more than 6 consecutive months outside the United States, be sure to obtain a reentry permit (Advance Parole or Reentry Permit). Otherwise, you could risk losing your residence.

• Refrain from actions considered abandonment of residence, such as surrendering the card or voting in foreign countries.

• Keep an eye on your Green Card’s validity and renew it when appropriate.

Organize your financial life in the U.S. with Común

As you can see, the process of obtaining a Green Card is long and exhausting. Therefore, it is essential to understand the different categories, steps, forms, and the key points to maintain your permanent residence.

Another relevant point for improving your stay in the United States is having partners who understand your needs.

We present Común, the financial platform that addresses day-to-day needs through an intuitive mobile app, where you can easily open an account with qualifying official identification from your country of origin.

It also offers remittance services to several countries, helping your family receive more for less.

Why choose Común?

• Open a secure account with clear and competitive fees.

• Receive deposits and send remittances home.

• Get a debit card for daily expenses and financial control.

• Ability to save and plan your finances as you settle in the United States.

Open your account with Común today and get financial services tailored to you.

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

Can I travel outside the U.S. while my application is in process?

You need to obtain Advance Parole (Form I-131), since leaving the country could cancel your application.

When can I apply for citizenship after obtaining a Green Card?

You must be a permanent resident for at least 5 years, or 3 if based on marriage, and have lived continuously in the United States and fulfilled tax obligations.

How long does the Green Card process take?

It depends on the category and whether you apply inside or outside the country. In general, the wait time is approximately 1 to 3 years.

How much does it cost to apply for a Green Card?

The cost varies by category. Check USCIS’s fee calculator to get a clear figure.

What is the difference between the I-485 and the DS-260?

The I-485 is the adjustment-of-status application to permanent resident filed within the United States, whereas the DS-260 is the immigrant visa application filed from another country.

What happens if your Green Card is denied?

You can appeal the decision via Form I-290B or refile the application.

The 100 Questions about American Citizenship in Spanish

Reaching the point where you're preparing for the citizenship exam is already a major milestone. It reflects time, effort, and a commitment to building your future in the United States.

In this guide, you'll find the 100 civic questions for the U.S. Citizenship exam provided by the U.S. Citizenship and Immigration Services (USCIS), the government agency that reviews and processes citizenship applications. These are the questions from the civics test, translated into Spanish with their answers and organized by category aimed to support you while you prepare. The exam is administered by USCIS and is oral, not written. You'll be asked up to 10 questions out of the 100.

How does the US citizenship test work?

The U.S. citizenship exam generally consists of two parts, an English test and a civics test. Understanding how each one of them works could make the process feel more manageable. The English evaluation is conducted through an interview, in which an officer evaluates your English language skills through simple speaking, reading, and writing exercises. In the civics portion, the officer asks up to 10 questions out of a list of 100. They are about U.S. history, government, geography and holidays. To pass the test you must answer at least 6 of them correctly. It is important to consider that this entire part of the exam is oral.

If you do not pass a section the first time, you will usually have a second opportunity to retake the failed portion within 60 to 90 days. To start the application for citizenship, you must submit a form called Form N-400, which is the official application for naturalization, and as of 2026, the filing cost is $760, however, fees are subject to change.

Who can take the exam in Spanish?

If you are 65 or older and have been a permanent resident for at least 20 years, you may qualify to take the civics test in Spanish. This special rule, provided by USCIS, is designed to make the process more accessible for long-term residents. In this case, you do not need to study all 100 questions, you only need to study 20 of the 100 questions. In our list we will mark them with an asterisk (*). It is recommended to always consult and review the specific requirements of your own case with the corresponding authorities.

The 100 Official Citizenship Civics Test Questions (with answers in Spanish)

Here you will find the 100 official questions that USCIS may ask you during your citizenship exam, along with their answers in Spanish. However, keep in mind that the actual interview is conducted in English, unless you qualify for an exemption.

Part A: The American government (questions 1-57)

Principles of American Democracy (1–12)

1. What is the supreme law of the land?

• the Constitution

2. What does the Constitution do?

• sets up the government
• defines the government
• protects basic rights of Americans

3. The idea of self-government is in the first three words of the Constitution. What are these words?

• We the People

4. What is an amendment?

• a change (to the Constitution)
• an addition (to the Constitution)

5. What do we call the first ten amendments to the Constitution?

• the Bill of Rights

6. What is one right or freedom from the First Amendment?*

• speech
• religion
• assembly
• press
• petition the government

7. How many amendments does the Constitution have?

• twenty-seven (27)

8. What did the Declaration of Independence do?

• announced our independence (from Great Britain)
• declared our independence (from Great Britain)
• said that the United States is free (from Great Britain)

9. What are two rights in the Declaration of Independence?

• life
• liberty
• pursuit of happiness

10. What is freedom of religion?

• You can practice any religion, or not practice a religion.

11. What is the economic system in the United States?*

• capitalist economy
• market economy

12. What is the "rule of law"?

• Everyone must follow the law.
• Leaders must obey the law.
• Government must obey the law.
• No one is above the law.

System of Government (13–47)

13. Name one branch or part of the government.*

• Congress
• legislative
• President
• executive
• the courts
• judicial

14. What stops one branch of government from becoming too powerful?

• checks and balances
• separation of powers

15. Who is in charge of the executive branch?

• the President

16. Who makes federal laws?

• Congress
• Senate and House (of Representatives)
• (U.S. or national) legislature

17. What are the two parts of the U.S. Congress?*

• the Senate and House (of Representatives)

18. How many U.S. Senators are there?

• one hundred (100)

19. We elect a U.S. Senator for how many years?

• six (6)

20. Who is one of your state's U.S. Senators now?*

• Answers will vary.
• [District of Columbia residents and residents of U.S. territories should answer that D.C. (or the territory where the applicant lives) has no U.S. Senators.]

21. The House of Representatives has how many voting members?

• four hundred thirty-five (435)

22. We elect a U.S. Representative for how many years?

• two (2)

23. Name your U.S. Representative.

• Answers will vary.
• [Residents of territories with nonvoting Delegates or Resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]

24. Who does a U.S. Senator represent?

• all people of the state

25. Why do some states have more Representatives than other states?

• (because of) the state's population
• (because) they have more people
• (because) some states have more people

26. We elect a President for how many years?

• four (4)

27. In what month do we vote for President?*

• November

28. What is the name of the President of the United States now?*

• Visit uscis.gov/citizenship/testupdates for the name of the President of the United States.

29. What is the name of the Vice President of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Vice President of the United States.

30. If the President can no longer serve, who becomes President?

• the Vice President

31. If both the President and the Vice President can no longer serve, who becomes President?

• the Speaker of the House

32. Who is the Commander in Chief of the military?

• the President

33. Who signs bills to become laws?

• the President

34. Who vetoes bills?

• the President

35. What does the President's Cabinet do?

• advises the President

36. What are two Cabinet-level positions?

• Secretary of Agriculture
• Secretary of Commerce
• Secretary of Defense
• Secretary of Education
• Secretary of Energy
• Secretary of Health and Human Services
• Secretary of Homeland Security
• Secretary of Housing and Urban Development
• Secretary of the Interior
• Secretary of Labor
• Secretary of State
• Secretary of Transportation
• Secretary of the Treasury
• Secretary of Veterans Affairs
• Attorney General
• Vice President

37. What does the judicial branch do?

• reviews laws
• explains laws
• resolves disputes (disagreements)
• decides if a law goes against the Constitution

38. What is the highest court in the United States?

• the Supreme Court

39. How many justices are on the Supreme Court?

• Visit uscis.gov/citizenship/testupdates for the number of justices on the Supreme Court.

40. Who is the Chief Justice of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Chief Justice of the United States.

41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?

• to print money
• to declare war
• to create an army
• to make treaties

42. Under our Constitution, some powers belong to the states. What is one power of the states?

• provide schooling and education
• provide protection (police)
• provide safety (fire departments)
• give a driver's license
• approve zoning and land use

43. Who is the Governor of your state now?

• Answers will vary. [District of Columbia residents should answer that D.C. does not have a Governor.]

44. What is the capital of your state?*

• Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]

45. What are the two major political parties in the United States?*

• Democratic and Republican

46. What is the political party of the President now?

• Visit uscis.gov/citizenship/testupdates for the political party of the President.

47. What is the name of the Speaker of the House of Representatives now?

• Visit uscis.gov/citizenship/testupdates for the name of the Speaker of the House of Representatives.

Rights and responsibilities (48–57)

48. There are four amendments to the Constitution about who can vote. Describe one of them.

• Citizens eighteen (18) and older (can vote).
• You don't have to pay (a poll tax) to vote.
• Any citizen can vote. (Women and men can vote.)
• A male citizen of any race (can vote).

49. What is one responsibility that is only for United States citizens?*

• serve on a jury
• vote in a federal election

50. Name one right only for United States citizens.

• vote in a federal election
• run for federal office

51. What are two rights of everyone living in the United States?

• freedom of expression
• freedom of speech
• freedom of assembly
• freedom to petition the government
• freedom of religion
• the right to bear arms

52. What do we show loyalty to when we say the Pledge of Allegiance?

• the United States
• the flag

53. What is one promise you make when you become a United States citizen?

• give up loyalty to other countries
• defend the Constitution and laws of the United States
• obey the laws of the United States
• serve in the U.S. military (if needed)
• serve (do important work for) the nation (if needed)
• be loyal to the United States

54. How old do citizens have to be to vote for President?*

• eighteen (18) and older

55. What are two ways that Americans can participate in their democracy?

• vote
• join a political party
• help with a campaign
• join a civic group
• join a community group
• give an elected official your opinion on an issue
• call Senators and Representatives
• publicly support or oppose an issue or policy
• run for office
• write to a newspaper

56. When is the last day you can send in federal income tax forms?*

• April 15

57. When must all men register for the Selective Service?

• at age eighteen (18)
• between eighteen (18) and twenty-six (26)

Part B: American history (questions 58-87)

Colonial Period and Independence

58. What is one reason colonists came to America?

• freedom
• political liberty
• religious freedom
• economic opportunity
• practice their religion
• escape persecution

59. Who lived in America before the Europeans arrived?

• American Indians
• Native Americans

60. What group of people was taken to America and sold as slaves?

• Africans
• people from Africa

61. Why did the colonists fight the British?

• because of high taxes (taxation without representation)
• because the British army stayed in their houses (boarding, quartering)
• because they didn't have self-government

62. Who wrote the Declaration of Independence?

• (Thomas) Jefferson

63. When was the Declaration of Independence adopted?

• July 4, 1776

64. There were 13 original states. Name three.

• New Hampshire
• Massachusetts
• Rhode Island
• Connecticut
• New York
• New Jersey
• Pennsylvania
• Delaware
• Maryland
• Virginia
• North Carolina
• South Carolina
• Georgia

65. What happened at the Constitutional Convention?

• The Constitution was written.
• The Founding Fathers wrote the Constitution.

66. When was the Constitution written?

• 1787

67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.

• (James) Madison
• (Alexander) Hamilton
• (John) Jay
• Publius

68. What is one thing Benjamin Franklin is famous for?

• U.S. diplomat
• oldest member of the Constitutional Convention
• first Postmaster General of the United States
• writer of "Poor Richard's Almanac"
• started the first free libraries

69. Who is the "Father of Our Country"?

• (George) Washington

70. Who was the first President?*

• (George) Washington

1800s

71. What territory did the United States buy from France in 1803?

• the Louisiana Territory
• Louisiana

72. Name one war fought by the United States in the 1800s.

• War of 1812
• Mexican-American War
• Civil War
• Spanish-American War

73. Name the U.S. war between the North and the South.

• the Civil War
• the War between the States

74. Name one problem that led to the Civil War.

• slavery
• economic reasons
• states' rights

75. What was one important thing that Abraham Lincoln did?*

• freed the slaves (Emancipation Proclamation)
• saved (or preserved) the Union
• led the United States during the Civil War

76. What did the Emancipation Proclamation do?

• freed the slaves
• freed slaves in the Confederacy
• freed slaves in the Confederate states
• freed slaves in most Southern states

77. What did Susan B. Anthony do?

• fought for women's rights
• fought for civil rights

Recent American History and Other Important Historical Information

78. Name one war fought by the United States in the 1900s.*

• World War I
• World War II
• Korean War
• Vietnam War
• (Persian) Gulf War

79. Who was President during World War I?

• (Woodrow) Wilson

80. Who was President during the Great Depression and World War II?

• (Franklin) Roosevelt

81. Who did the United States fight in World War II?

• Japan, Germany, and Italy

82. Before he was President, Eisenhower was a general. What war was he in?

• World War II

83. During the Cold War, what was the main concern of the United States?

• Communism

84. What movement tried to end racial discrimination?

• civil rights (movement)

85. What did Martin Luther King, Jr. do?*

• fought for civil rights
• worked for equality for all Americans

86. What major event happened on September 11, 2001, in the United States?

• Terrorists attacked the United States.

87. Name one American Indian tribe in the United States.

• [USCIS Officers will be supplied with a list of federally recognized American Indian tribes.]
• Cherokee
• Navajo
• Sioux
• Chippewa
• Choctaw
• Pueblo
• Apache
• Iroquois
• Creek
• Blackfeet
• Seminole
• Cheyenne
• Arawak
• Shawnee
• Mohegan
• Huron
• Oneida
• Lakota
• Crow
• Teton
• Hopi
• Inuit

Part C: Geography and civic integration (questions 88-100)

Geography

88. Name one of the two longest rivers in the United States.

• Missouri (River)
• Mississippi (River)

89. What ocean is on the West Coast of the United States?

• Pacific (Ocean)

90. What ocean is on the East Coast of the United States?

• Atlantic (Ocean)

91. Name one U.S. territory.

• Puerto Rico
• U.S. Virgin Islands
• American Samoa
• Northern Mariana Islands
• Guam

92. Name one state that borders Canada.

• Maine
• New Hampshire
• Vermont
• New York
• Pennsylvania
• Ohio
• Michigan
• Minnesota
• North Dakota
• Montana
• Idaho
• Washington
• Alaska

93. Name one state that borders Mexico.

• California
• Arizona
• New Mexico
• Texas

94. What is the capital of the United States?*

• Washington, D.C.

95. Where is the Statue of Liberty?*

• New York (Harbor)
• Liberty Island
• [Also acceptable are New Jersey, near New York City, and on the Hudson (River).]

Symbols

96. Why does the flag have 13 stripes?

• because there were 13 original colonies
• because the stripes represent the original colonies

97. Why does the flag have 50 stars?*

• because there is one star for each state
• because each star represents a state
• because there are 50 states

98. What is the name of the national anthem?

• The Star-Spangled Banner

Holidays

99. When do we celebrate Independence Day?*

• July 4

100. Name two national U.S. holidays.

• New Year's Day
• Martin Luther King, Jr. Day
• Presidents' Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving
• Christmas

Frequently Asked Questions about the Citizenship Exam

How many questions are asked on the citizenship exam?

During the civics portion, an officer from USCIS will ask up to 10 questions out of a list of 100. You need to answer at least 6 correctly to pass this part of the test.

Is the citizenship exam in English or Spanish?

The exam is conducted in English, including both the English and civics portions. However, applicants who qualify for the 65/20 exemption can take the civics test in Spanish. Make sure you verify if the exemption applies in your specific case with the corresponding authorities.

What happens if I don't pass the exam the first time?

If you fail either the English or civics section, you are given a second opportunity to retake the part you did not pass. This second interview typically takes place within 60 to 90 days.

How much does the citizenship exam cost in 2026?

The exam itself does not have a separate fee, but it is included in the naturalization application. As of 2026, the cost to file Form N-400 is $760, though it's always a good idea to verify updates directly with USCIS.

Do the citizenship exam questions change?

The list of questions is updated occasionally by USCIS. The current version is based on the reinstated 2008 civics test, which remains the standard as of 2026.

Can I study the citizenship questions in Spanish?

Yes, many applicants study the questions in Spanish to better understand the content. However, the actual exam is conducted in English unless you qualify for an exemption like the 65/20 rule.

5 Tips for Studying for and Passing Your Citizenship Exam

Preparing for the citizenship test doesn't have to feel overwhelming. Approaching it with a plan and consistency could be the key for a smoother experience. Here are some general tips we've enlisted for preparing for your citizenship exam:

Study by category, avoid trying to learn all of them at once.

Break the 100 questions into topics like history, government, and geography. This makes it easier to understand patterns instead of trying to memorize everything in one go.

Practice your answers out loud.

The exam is oral, so it's important to get comfortable saying your answers, not just recognizing them. This helps with confidence during the interview.

Start with questions that change.

Aim to focus first on answers that can vary, like the current president or your state's senators. Learning these early helps you avoid confusion later in the process.

Use flashcards and try to study with someone.

Flashcards are a great tool for repetition and reinforcing memory. If possible try practicing with a friend or family member to simulate the real experience of being asked questions.

Don't panic if you don't know everything.

You don't need a perfect score. You only need to answer 6 out of 10 questions correctly, so focus on being consistent, not perfect.

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Banks that support Zelle in 2026: sending and receiving money in the U.S.

Zelle is built directly into many bank accounts in the U.S., which is why it has become one of the most widely used ways to send money. Today, more than 2,000 banks and credit unions offer access to the service.

Understanding how that network works is key to knowing whether you can use it with your account. That distinction matters more today than it did a few years ago. Since April 2025, Zelle is no longer available as a standalone app. Access depends entirely on whether your bank is part of the network.

What Is Zelle?

Zelle is a peer-to-peer payment network owned by Early Warning Services LLC (EWS), a company co-founded by seven of America's largest banks: Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank, and Wells Fargo. It allows you to send money directly from your bank account to another person's bank account using only a phone number or email address. Transfers are typically completed within minutes.

What are the benefits of Zelle?

The main appeal of Zelle is its speed, simplicity, and convenience. Transfers are typically completed within minutes and move directly between bank accounts without the need to load funds into a separate app or digital wallet. In most cases, there are no fees for sending or receiving money, making it a practical option for everyday payments such as rent, shared expenses, or paying friends and family.

Because Zelle is integrated into your bank's app, there is usually no additional setup beyond enrolling your email address or mobile number. Funds are deposited directly into your account and are generally available quickly.

Why does bank support matter?

As of April 1, 2025, Zelle can only be accessed through participating financial institutions. If your bank or credit union does not support Zelle, you generally can't use the service.

Zelle supported banks list

Zelle partners with more than 2,300 financial institutions. To search for a specific bank or credit union, visit zellepay.com/get-started.

Below is a representative, not exhaustive list of financial institutions that currently offer Zelle:

Please note that Zelle limits often depend on factors such as account age, transaction history, recipient details, and other risk-based criteria established by the financial institution. Please refer to your financial institution for the most up-to-date information.

How to enroll in Zelle with your bank?

Since the standalone Zelle app has been discontinued, you must enroll through a participating bank or credit union app. The following steps generally apply to most participating financial institution apps:

• Open your bank's mobile app and locate 'Zelle' in the payments or transfer section
• Select 'Enroll with Zelle' or 'Send Money with Zelle'
• Enter your U.S. mobile number or email address
• Verify your identity using a one-time verification code
• You're then able to send and receive money using a recipient's phone number or email address

Please note that both the sender and recipient generally must be enrolled with Zelle through participating financial institutions for transfers to be completed. If the recipient isn't enrolled, they may receive instructions on how to enroll. If enrollment is not completed within the applicable timeframe, the transaction may be canceled and refunded.

Is Zelle Safe? Common scams to avoid

Zelle uses bank-level encryption and security protocols and operates within participating financial institution apps. However, many reported issues involving Zelle are associated with fraud or social engineering scams rather than technical failures.

Because Zelle transfers are typically processed quickly and may be difficult or impossible to reverse once authorized, scammers may attempt to pressure users into sending funds.

Common Zelle Scams in 2026:

Fake bank fraud alerts:

Scammers may send text messages appearing to come from your bank asking whether you authorized a transaction. After you respond, you may receive a call from someone falsely claiming to represent the bank and instructing you to transfer funds to 'reverse' fraud. In reality, the funds are being sent to the scammer.

Impersonation scams:

Scammers may claim to represent a bank, government agency, utility company, or another trusted organization and pressure victims into sending money immediately.

Marketplace scams:

Fraudsters on platforms such as Facebook Marketplace or Craigslist may request payment through Zelle. After funds are sent, the item may never arrive or the payment may later prove fraudulent.

Overpayment scams:

A scammer may claim to have 'accidentally' sent money and ask for it to be returned. Their original payment may later be reversed or determined to be fraudulent.

How to stay safe:

• Use Zelle primarily with people you know and trust
• Never send money to 'verify' your account or reverse fraud
• If you receive an unexpected call claiming to be from your bank, hang up and contact the bank using the number on the back of your debit card
• Enable transaction alerts through your banking app
• Treat every Zelle payment as potentially final before authorizing it

Are there alternatives to Zelle for people without a traditional bank account?

Zelle's transition away from a standalone app in April 2025 created challenges for individuals who do not have accounts with participating financial institutions.

Venmo and Cash App

Remain popular alternatives for domestic transfers and may not require a traditional bank account to get started. However, they generally do not support international money transfers.

Wise

Allows users to receive and send funds internationally using local bank details in many currencies. It is commonly used for international transfers and is known for transparent pricing and exchange rates based on the mid-market rate.

Común

Is a financial platform that promotes financial inclusion for individuals who may face barriers with traditional U.S. banks, offering user-friendly, Spanish-language support. With Común you can make transfers within and outside the U.S. and send money to friends and family throughout Latin America, with fees starting at $2.99 per transfer. Visit comun.app to learn more.

FAQ

Does Zelle charge fees?

Zelle itself generally doesn't charge fees to send or receive money. However, your financial institution may have its own fee structure for the underlying account. It is important to check the specific details with your financial institution.

What if my bank doesn't use Zelle?

Since the standalone Zelle app was discontinued in April 2025, your options may include opening an account with a participating financial institution or using an alternative service such as Venmo, Cash App, Wise, or Común.

Can I use Zelle without a U.S. bank account?

No. Zelle generally requires a U.S. bank or credit union account at a participating financial institution.

Can I send money internationally with Zelle?

No. Zelle supports transfers only between U.S. bank or credit union accounts at a participating financial institution. For international transfers, consumers may consider alternatives such as Wise, Remitly, or international money transfer providers.

What happens if I send money to the wrong person?

Contact your financial institution immediately. Once funds are delivered, cancellation or recovery may not be possible.

Access Matters When Choosing a Bank for Zelle

Choosing between banks that supports Zelle ultimately comes down to access and convenience. While the network is broad, access depends on maintaining an account with a participating financial institution. For some consumers, a traditional bank or credit union may meet their needs. Others may prefer platforms designed to support individuals who face barriers to accessing traditional banking services. If Zelle access is important to you, it may be helpful to consider not only which financial institutions support the service, but also which ones best fit your individual needs.

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Ways to Invest Money and Secure Your Future in the United States

One of the constant concerns for people who leave their home country in search of better opportunities in the United States is financial uncertainty, often caused by poor management and a lack of knowledge about effective strategies to grow their money.

Saving products are an alternative that allows you to save money in the long term while earning interest—returns that depend on the term and the rate offered by the financial institution.

Knowing the different ways to save money is a way to ensure financial stability for you and your family. Below, we explain the types of investments and the safest ways to get started. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

What Does It Mean to Invest Money and Why Is It Important?

Investing means allocating money toward a goal with the aim of obtaining higher returns in the future. You can do it on your own, through a business, or with formal financial instruments that put the contributed money to work to pay interest over defined time frames.

Here are some benefits of using investment strategies:

• Financial security: gives you the confidence of having a savings fund for the future.

• Financial growth: puts your money to work to generate passive income and avoid losing value due to inflation.

• Family support: helps you plan long-term family projects, such as buying a home or paying for children’s higher education.

How to Define Your Goals and Risk Profile Before Investing

Before you begin, keep in mind that all investments involve some level of risk. If you’re a beginner, it’s essential to start at a level that matches your situation.

You should also be clear about your financial goals—the targets you want to reach in the short, medium, and long term.

Risk Profile

A risk profile is an investor’s ability to handle potential losses caused by market fluctuations.

These are the three main types.

Conservative

This profile is ideal for people not familiar with investing, as it involves low risk. Although returns are steady, they tend to be lower than other investment alternatives. Preferred options include savings accounts and short-term investment funds.

Moderate

This profile suits somewhat more experienced investors who are willing to take moderate risk by combining safer investments with slightly riskier ones to obtain better returns.

Aggressive

This profile is for those who have a strong command of investing. They have a high tolerance for losses and aim for high income through significant long-term investments, typically in the stock market, high-yield funds, and real estate.

Determine Your Risk Profile

Next, define the risk profile that aligns with your personal finances and your experience with these instruments.

Follow these tips to help you make a smart investment.

Step 1. Assess Your Current Financial Situation

Take stock of your finances—consider your income, monthly expenses, debts, and existing savings.

Step 2. Determine Your Investment Goals.

Set exactly what you want to achieve and in what timeframe—for example, buying a home, traveling abroad, paying for medical treatment, or simply building an emergency fund. Remember that long-term investments involve higher risk but can also offer higher returns.

Step 3. Decide How Much You Can Invest Initially.

Based on your budget, determine how much you can allocate to your initial investment and whether you can increase it later.

Step 4. Evaluate Your Risk Tolerance.

Analyze your willingness to accept potential losses and their impact on your personal finances.

Here is a comparative table for clarity.

Investment Profile

Risk Level

Time Horizon

Potential Return

Characteristics

Conservative

Low

Long – Medium

Low

Prioritizes safety over return.

Moderate

Medium

Medium – Long

Low – Medium

Balances safety and returns.

Aggressive

High

Long

High

Seeks to maximize long-term gains, with higher risk.

4 Accessible Investment Options for Beginners

A common misconception is that you need a significant amount of money to become an investor. In reality, there are accessible alternatives that let you start with small amounts, easily.

Here are four ideal options to start investing.

Index Funds

Index funds pool money from multiple investors to buy stocks or bonds.

Main Benefits:

• Automated operation.

• Easy diversification.

• Potential for good long-term returns with little effort.

Certificates of Deposit (CDs)

A certificate of deposit is an investment made directly with a financial institution for a fixed term, meaning you cannot withdraw the money during that period.

Main Benefits:

• A relatively secure way to start investing, as it’s offered by financial institutions.

• Generates steady, predictable returns.

Bonds

Bonds are loans to companies or governments that pay interest periodically and generally carry lower risk.

Main Benefits:

• Income is more predictable.

• A good option to diversify alongside slightly riskier investments.

Digital Investment Accounts

An accessible option that allows you to invest from a mobile application.

Main Benefits:

• Let you start with very small amounts of money.

• Very beginner-friendly for entering the world of investing.

Before choosing an investment vehicle, consider your risk profile. If you prefer stability over returns, CDs or bonds may be ideal.

Avoid “putting all your eggs in one basket.” The key to smart investing is diversifying across several instruments, even with small amounts.

Simple Habits to Invest and Review Your Strategy

When you start investing, it’s important to be realistic, stay patient, and remain consistent with your financial goals.

Here are some simple practices to keep your investments on track.

• Review your investments at least every 3 to 6 months.

• Adjust your strategy as your goals or financial situation change.

• Use digital tools to monitor your progress.

Use Común to Manage Your Money Easily as an Immigrant in the U.S.

Financial management is a responsibility you should entrust to an accessible platform.

Meet Común! The financial service that lets you send, receive, and withdraw money within and outside the United States, quickly, simply, and securely. 

Común is a mobile app that allows you to open an account easily with a qualifying official identification from your home country, so it’s a great option for the immigrant community.

Open your account with Común and start sending, receiving, and withdrawing money. Enjoy Spanish and English language support, clear fees, and a digital platform ideal for the immigrant community in the United States.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

How much money do I need to start investing in the U.S.?

There are quite accessible investment options today, especially digital platforms. Some let you start with amounts as low as $1 or $5, which is ideal for learning to invest.

Is it safe to invest as an immigrant?

Yes—even if you are not a legal resident, you can invest money in the United States. Just make sure to use regulated institutions and platforms.

What if I want to change my investment strategy in the future?

It’s common to change your investment strategy to match your financial goals. Review your investments periodically and make the necessary adjustments according to the applicable timelines.

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

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

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

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

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

What is the IR1 / CR1 spouse visa?

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

Who qualifies?

Generally, you may qualify if:

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

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

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

IR1 vs CR1: what's the difference?

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

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

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

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

IR1 or CR1

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

K-1 fiancé visa

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

K-3 visa

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

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

Step-by-step application process

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

Step 1: File Form I-130

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

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

Supporting evidence often includes:

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

Step 2: USCIS review

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

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

Step 3: National Visa Center processing

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

This stage typically includes:

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

Step 4: Medical examination

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

Step 5: Consular interview

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

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

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

Step 6: Enter the United States

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

Required documents checklist

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

Although every case is different, applicants commonly need:

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

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

Timeline and costs: what to expect

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

Processing times can vary depending on:

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

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

Common costs

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

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

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

The consular interview: what to expect

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

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

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

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

After arrival: building your financial life together

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

Many newly arrived immigrants need to:

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

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

How Común can help during the transition

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

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

Planning your transition to the United States

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

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

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

FAQ

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

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

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

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

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

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

What documents do I need for the spouse visa application?

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

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

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

What happens at the consular interview?

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

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

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

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

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

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. The Común Visa® Debit Card is issued by Community Federal Savings Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa Cards are accepted. Común is a financial technology company and not a bank or licensed money transmitter. Peer-to-peer payment services are provided by Cross River Bank. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99, but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

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How to send money to Mexico via WhatsApp? Común vs. WhatsApp Pay

WhatsApp does not currently offer a service to send money directly from the United States to Mexico.

WhatsApp is one of the most popular ways to stay in touch with family and friends across borders. While the app supports payments in certain countries, its payment features are not available for sending money from the United States to Mexico.

However, for people living in the United States who are looking into sending money to Mexico, there are many different options available. From traditional service providers such as Western Union and MoneyGram to apps with instant international transfers like Wise, Remitly and Común.

Can I send money to Mexico via WhatsApp from the United States?

At this time, WhatsApp does not offer an official service that allows people in the United States to send money directly to recipients in Mexico through WhatsApp Pay. WhatsApp's payment functionality is only available in Brazil and India.

This means that you can still use WhatsApp every day to communicate with family and friends in Mexico, but you cannot transfer money from a U.S. account to a recipient in Mexico using WhatsApp Pay.

Some money transfer companies offer WhatsApp-based experiences that help initiate transfers, but those services are different from WhatsApp Pay itself. The actual transfer is processed through the remittance provider rather than through WhatsApp's native payment system.

What is WhatsApp Pay and how does it work?

WhatsApp Pay is a payment feature integrated into WhatsApp that allows eligible users to send and receive money without leaving the app. The service operates through local payment networks and financial partners in supported countries.

As of 2026, WhatsApp Pay is available in India and Brazil. It is not broadly available as a payment method in the United States, and it is not available as a direct remittance solution for sending money from the United States to Mexico.

Why can't I use WhatsApp to send money to Mexico?

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

This limitation often creates confusion because WhatsApp is widely used on both sides of the border. Messaging a family member in Mexico through WhatsApp is easy, but sending money through WhatsApp Pay is a different service with separate availability requirements.

How much does WhatsApp Pay charge for sending money?

There is no standard fee for sending money from the United States to Mexico through WhatsApp Pay because that service is not currently available.

If you're in the United States and need to send money to Mexico, you will need a remittance service provider. To compare the costs related to sending money to Mexico, it can be important to review: transfer fees, exchange rates, delivery methods, transfer speed, and recipient requirements.

What's the best way to send money to Mexico if not via WhatsApp?

There is no single answer because different money transfer methods work better for different situations. Bank transfers can be a familiar option for people who already have a checking account. Traditional remittance providers such as MoneyGram and Western Union offer multiple delivery methods, including bank deposits, cash pickup locations, and mobile wallets in some markets.

Digital remittance platforms have become increasingly popular because they offer the possibility of sending money directly from a smartphone. These services typically display the exchange rate, fees, and delivery method before the transfer is completed.

One option is Común through its remittances services, which allows eligible customers to send money to Mexico and other countries in Latin America directly from the Común app. Transfers start at $2.99, and many transfers are delivered on the same day depending on the destination and delivery method.

How to send money to Mexico with Común? (step by step)

1. Open the Común app on your phone.

Sign in to your account and navigate to the remittance section.

2. From the main page, select "Envía una Remesa".

Select the option on your app.

3. Choose your recipient or add a new one.

Provide the required details for the person receiving the transfer.

4. Enter the transfer amount.

Review the amount you want to send.

5. Review the transfer details.

Confirm the recipient information, delivery method, transfer amount, and estimated delivery timeframe.

6. Confirm the transfer.

Complete the transaction and wait for confirmation. Many transfers are delivered the same day, although delivery times may vary.

WhatsApp Pay vs. Común: a direct comparison

WhatsApp Pay was created for payments within certain supported markets. Común remittance services make it possible to send money from the United States to recipients in Mexico and other countries in Latin America directly from the Común app.

A Común account can be opened with a passport or more than 100 Latin American IDs with no minimums or monthly fees.

FAQ

Can I send money to Mexico using WhatsApp?

No. WhatsApp does not currently provide an official service that allows users in the United States to send money directly to recipients in Mexico through WhatsApp Pay.

How does WhatsApp Pay work?

WhatsApp Pay allows eligible users in supported countries to send and receive money through WhatsApp using local payment networks and financial partners.

How long does it take for the money to arrive if I send it with Común?

Many transfers sent through Común are delivered on the same day. Delivery times may vary depending on the destination, delivery method, and recipient institution.

What do I need to send money to Mexico with Común?

You generally need a Común account, the recipient's information, the transfer amount, and any additional details required for the selected delivery method.

How much does it cost to send money to Mexico with Común?

Común international transfers start at $2.99. The total cost may vary depending on the transfer amount, destination, and exchange rate.

Is it safe to send money through apps from the United States?

Using a regulated money transfer provider can help protect your transaction through identity verification, encryption, fraud monitoring, and transaction tracking features.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no maintenance fees. Remittance service provided by Service UniTeller, Inc. Remittance fees start at $2.99 but may vary. Común Inc. may earn revenue from the conversion of foreign currencies.

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What is cashback and how does it work? A 2026 Guide

Cashback is a rewards system that gives you back a percentage of the money you spend on eligible purchases. In simple terms, when you buy something using certain credit cards, debit cards, apps, or rewards programs, you may get a percentage of your money back on purchases, though it is usually credited to your account rather than handed over as physical cash.

If you recently moved to the United States or are learning how the financial system works, you may have heard the term 'cashback' while shopping at places like Walmart, Target, gas stations, supermarkets, or online stores.

For many people, cashback can become a practical tool to manage everyday expenses such as groceries, transportation, gas, and household purchases. While the amounts may seem small at first, they can add up over time when used consistently and responsibly.

What is cashback?

Cashback is a type of financial reward that returns a percentage of your purchase after you spend money with a participating payment method or rewards platform.

For example:

• If you spend $100 at the supermarket using a card that offers 2% cashback, you may receive $2 back
• If a cashback app offers 5% cashback at a participating gas station and you spend $60 on fuel, you may receive $3 back

Unlike traditional discounts, cashback usually happens after the purchase is completed. The Consumer Financial Protection Bureau (CFPB) explains that cashback rewards are commonly offered through credit cards and loyalty programs as an incentive for spending.

How does cashback work?

Cashback programs generally follow a simple process:

• You make an eligible cashback purchase using the participating card, app, or rewards account
• The transaction is recorded by the provider
• A percentage of that purchase is returned to you as cashback

The reward may appear as:

• Statement credit
• Bank deposit
• Gift card
• Rewards balance
• Redeemable points
• Store credit

Some cashback rewards appear within a few days, while others may take an entire billing cycle or longer to process. There are often minimum redemption thresholds before you can claim your cashback. Certain programs may include expiration dates. It is also important to understand that not every purchase qualifies for cashback.

Cashback vs. traditional discounts

While cashback and traditional discounts can both help consumers save money, they work in different ways. A traditional discount lowers the price immediately at checkout, while cashback returns part of the money after the purchase has already been completed.

Types of cashback in 2026

Not all cashback programs work the same way. Before signing up for a cashback program, it is important to review details such as annual fees, interest rates, minimum redemption, expiration policies, and spending categories.

Fixed-rate cashback

This type gives the same cashback percentage on all purchases. Example: 1.5% cashback on everything you buy. This structure is simple because you do not need to track categories or rotating offers.

Category-based cashback

Some cards or apps offer higher cashback percentages in specific categories such as supermarkets, restaurants, gas stations, or streaming subscriptions. For example: 3% on groceries, 2% on gas, 1% on all other purchases.

Rotating cashback categories

Some providers change cashback categories every few months. One quarter may focus on gas stations and grocery stores; another may include online shopping and travel purchases. These programs sometimes require manual activation each quarter.

Welcome bonuses

Certain credit cards offer introductory cashback bonuses if you spend a minimum amount during the first months after opening the account. For example: spend $500 in the first 3 months and receive $150 cashback bonus. The Federal Trade Commission recommends reviewing terms carefully before applying for financial products with promotional offers.

Where can you get cashback in the United States?

Credit cards:

Many credit cards in the U.S. include cashback rewards. Some examples include products from Discover, Chase, Capital One, and American Express. Some cards focus on categories like dining or travel, while others offer flat-rate cashback.

Debit cards:

Some financial institutions offer cashback debit cards, although rewards are usually smaller than those offered by credit cards. This may appeal to people who prefer avoiding debt or credit card interest.

Cashback apps:

Several mobile apps partner with retailers and offer cashback rewards for purchases. Examples include Rakuten, Ibotta, Upside, and Honey. These apps may provide cashback for grocery shopping, online purchases, gas stations, and restaurants.

Store loyalty programs:

Retailers sometimes offer cashback or store rewards through membership programs. For example, supermarkets, pharmacies, and warehouse stores may return store credit or savings points after purchases.

Cashback vs. points vs. miles: Which is better?

Although they are often grouped together under the category of 'rewards,' each one works differently and can be useful depending on a person's spending habits, financial goals, and lifestyle.

Cashback programs generally return a percentage of the money spent on eligible purchases. Points systems usually assign a numerical value to purchases that can later be redeemed for products, gift cards, discounts, or services. Travel miles are typically associated with airlines, hotels, or travel-focused credit cards.

For many people, especially those focused on getting some value on their everyday expenses such as groceries, transportation, gas, or household purchases, cashback can feel more useful as the reward is directly connected to money rather than conversion systems or travel programs.

3 practical tips for using cashback responsibly

1. Use cashback for purchases you already planned

Focus on recurring expenses such as groceries, gas, transportation, and utility bills. This helps you avoid overspending simply to earn rewards.

2. Don't buy things you don't need

A cashback offer does not automatically make a purchase worthwhile. For example, spending $200 to earn $4 cashback may not help your finances if the purchase was unnecessary.

3. Track your cashback earnings

Many apps and financial platforms allow you to monitor spending categories, cashback totals, and monthly rewards. Tracking your rewards can help you understand your spending patterns and maintain financial goals.

Does Común offer cashback?

No. Común does not currently offer cashback programs.

However, Común provides tools and resources that offer guidance for Latin American immigrants navigating the U.S. financial system.

While cashback might be useful for some people, it is important to pay attention to commissions, as savings when commissions are included might not be as strong as initially perceived. When comparing financial tools in the United States, cashback is only one factor to consider. Fees, commissions, account accessibility, and transparency can also affect your financial experience over time.

Común's cost for opening a debit account is $0, same as the $0 minimum balance and $0 monthly commission for the debit account.

FAQ

What is cashback and how does it work?

Cashback is a rewards system that returns a percentage of your purchases after you spend money using eligible cards, apps, or loyalty programs.

How is cashback calculated?

Cashback is usually calculated as a percentage of the purchase amount. For example, if you spend $100 and your cashback rate is 2%, you receive $2 back.

Where can I get cashback in the United States?

Cashback is commonly available through credit cards, debit cards, shopping apps, and retailer loyalty programs.

What is the difference between cashback and points?

Cashback returns money directly, while points are part of rewards systems that may only be redeemed for specific products, gift cards, or services.

Does Común offer cashback?

No. Común currently does not offer cashback.

Is cashback taxable?

In many cases, cashback earned through purchases is generally treated as a rebate rather than taxable income. However, tax treatment may vary depending on how rewards are earned. The IRS recommends consulting a tax professional for specific situations.

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

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

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

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

Basic steps to call Colombia from the USA

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

1. Enter the U.S. exit code – 011

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

2. Dial Colombia’s country code – 57

This identifies Colombia in the international telephone system.

3. Dial the local number in Colombia

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

Examples:

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

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

Area codes and dialing examples for Colombian cities

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

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

City

Area code

U.S. dialing example

Bogotá

1

011 57 1 #######

Medellín

4

011 57 4 #######

Cali

2

011 57 2 #######

Barranquilla

5

011 57 5 #######

Cartagena

5

011 57 5 #######

Bucaramanga

7

011 57 7 #######

Pereira

6

011 57 6 #######

Cúcuta

7

011 57 7 #######

Santa Marta

5

011 57 5 #######

Manizales

6

011 57 6 #######

Digital alternatives and budget-friendly plans to call Colombia

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

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

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

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

• Internet-voice apps (VoIP):

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

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

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

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

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

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

• Prepaid calling cards as a flexible option:

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

Stay connected with family in Colombia with Común

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

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

Meet Común your direct link to the ones you love!

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

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

Ready to revolutionize how you connect with your finances?

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

Frequently Asked Questions (FAQ)

Still have questions? Check our FAQ section below.

What if I don’t dial 011 or “+”?

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

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

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

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

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

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