How much does it cost to send money to Mexico from the United States? A 2026 guide

In most cases, the total cost depends on three factors: the transfer fee, the exchange rate, and any charges applied to the recipient of the money. The truth is that the final cost can range from a few dollars to something more significant as it is impacted by the service fee, delivery method, and speed.

Remittances have become so important to the Mexican economy that Mexico remains the world's second-largest recipient of remittances, behind only India. According to BBVA Research, Mexico received $61.8 billion USD in remittances in 2025, representing 3.4% of the country's GDP. Today, there are dozens of apps and money transfer services available for sending money from the United States to Mexico. Some focus on speed, others on cash pickup access, and some prioritize lower overall costs.

In this guide, we'll break down what actually affects the cost of a transfer, compare popular services, and explain how to find the option that works best for you and your family.

How much money can I send to Mexico?

One very important aspect to consider is the amount allowed by money transfer apps, as well as any restrictions included in their terms and conditions.

In general, there is no legal limit imposed by the United States government, but each platform has its own standards and regulations that determine transfer limits and guidelines for international money transfers.

For example, these are some of well known providers that offer money transfers to Mexico and their respective limits:

• Western Union: up to 5,000 USD per transaction.
• MoneyGram: up to 10,000 USD per transaction.
• Xoom: Level 1 is limited to $2,999 per day while the third level allows up to $50,000 per day.

If you are looking for a straightforward way to send money to Mexico, Común can be an excellent alternative. New users can enjoy the first money transfer free and then pay a fee starting at 2.99 USD per transfer, up to applicable limits.

What is the best way to send money from the United States to Mexico?

There are several ways to send money from the United States to Mexico, whether through traditional banks or specialized international money transfer services. These are the main options to do it:

Bank-to-Bank transfers

One of the most common ways to send money is through wire transfers from one traditional bank to another. The advantage of this method is that it can be secure because it is backed by official financial institutions. However, transfers can take longer and involve higher fees.

To send funds this way, you must have a U.S. bank account and use the recipient's SWIFT code.

The transfer cost depends on the receiving bank in Mexico. For example:

• BBVA charges approximately $30 USD + VAT to receive an incoming international transfer.
• Citibanamex estimates suggest around $15–20 USD + VAT for incoming transfers, but confirming directly with the bank is recommended.

These fees apply regardless of the amount sent, therefore it is important to confirm the fees with each bank.

Cash transfers

Another option, which may be more accessible for people without a bank account, is sending cash that can be picked up at different locations across Mexico.

To send cash, it is common to visit a physical location of the provider that offers this service, such as a Western Union office. Once there, you pay the amount you want to send plus the assigned fee. To collect the funds, your family members must present a valid government ID at one of the participating locations, such as Oxxo, Banco Azteca, Walmart, or others. However, many service providers such as Western Union also have digital offers.

Although this can be a convenient alternative for people who mainly manage cash, it may also come with potential drawbacks, such as fees that vary depending on the amount sent and exchange rates that might be less competitive compared to some digital transfer services.

Apps and digital platforms

Another option for sending money to Mexico is through apps and digital platforms that specialize in international money transfers, such as Wise, Félix Pago, Ria Money Transfer, and Común. Many of these services are available on both iOS and Android and may offer lower costs compared to some cash transfers or traditional bank wires, depending on the provider and delivery method. Some platforms focus mainly on money transfers, while others may also include additional financial features, such as a debit card or access to a U.S. bank account.

To access these services, you must create an account on the provider's website or app. In addition, some apps require identity verification using personal information such as your SSN (Social Security Number) or ITIN.

You can send money directly through the provider's app or, in some cases, even through WhatsApp, and choose the preferred delivery method. Some services also offer cash pickup options for recipients. For example, Común accepts more than 100 Latin American IDs for account verification, it allows you to send money through the app or via WhatsApp, and offers cash pickup options across Mexico.

Before choosing an app to send money to Mexico, we recommend comparing the most popular options and evaluating which one best fits your needs and those of your family.

Five popular mobile apps for sending money to Mexico from the United States

There are many apps available for sending money from the United States to Mexico, but costs, delivery speeds, and exchange rates can vary depending on the provider and transfer method. Comparing multiple options can help you find the service that best fits your needs.

The amount received in MXN for every 1,000 USD can change throughout the day due to fluctuations in exchange rates, provider fees, and delivery methods. The rates shown here are for illustrative purposes only and may not reflect the exact amount available at the time of your transfer. Before sending money, it may be helpful to compare the current exchange rate and total transfer cost across providers. Común's comparison tool can help you check and compare available rates in real time.

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What determines the real cost of sending money to Mexico?

When comparing money transfer services, many people focus only on the advertised transfer fee. But the real cost of sending money to Mexico usually depends on three different factors:

• The transfer fee.
• The exchange rate spread.
• Charges applied to the recipient.

Understanding these costs can help you compare services more accurately and avoid situations where your family receives less money than expected.

Transfer Fee

The transfer fee is the most visible cost. This is the amount the provider charges to process the transaction.

Some services charge a flat fee per transfer, while others adjust the fee depending on the amount sent, the payment method, or how quickly you want the money delivered. In some cases, companies may offer promotional pricing or even a free first transfer for eligible users.

Although low fees can help reduce costs, they may not always result in the lowest overall transfer cost once exchange rates and other charges are taken into account.

Exchange rate spread

The exchange rate spread is one of the most important and often least visible parts of the total cost.

Some service providers do not use the exact market exchange rate you find on Google or financial websites. Instead, they add a margin, also known as a "spread," when converting USD to MXN.

This means that even a small difference in the exchange rate can significantly reduce the amount your recipient receives in pesos, especially on larger transfers.

A service with a slightly higher transfer fee but a more competitive exchange rate may actually deliver more money to your family in Mexico.

Recipient charges or withdrawal costs

In some cases, additional costs may appear after the transfer is sent. Depending on the provider and delivery method, the recipient could face charges for cash pickup, ATM withdrawals, bank processing, or currency conversion. Some banks and pickup locations may also apply their own service fees.

These extra costs are important because they directly affect the final amount your recipient can actually use.

Compare the full cost

The best way to compare money transfer services is to look at the total outcome: how much you pay, how much your recipient receives, and how long the transfer takes.

If possible, it is recommended that before sending money, you review the transfer fee, compare the exchange rate, and check whether there are any recipient-side charges. Small differences across these three factors can add up quickly over time.

To compare real-time transfer costs, exchange rates, and delivery options, you can use tools like Común's compara before making your transfer.

How can I send money to Mexico with Común?

With Común you can send money to your family and friends in Mexico directly from Común's mobile app without leaving your home.

You can follow these steps:

• Open your Común mobile app.
• On the main page, select "Send a Remittance."
• Select the recipient you want to send the international transfer to.
• You can register a recipient using their banking details, including full name, bank name, and phone number.
• After registering the recipient, enter the amount you want to send and review the transaction costs.
• Confirm the details and select "Confirm International Transfer."
• The recipient should receive the money within minutes. If you select a store pickup, the person can collect the money about 30 minutes after confirming the transaction.
• You can check the transfer status in your Común mobile app by clicking on the transaction.

Transfer fees start at 2.99 USD per transaction, up to applicable limits.

Send money to Mexico easily and securely

Today, there are more options than ever for sending money from the United States to Mexico. Whether you prefer the familiarity of a traditional bank, the convenience of cash pickup, or the flexibility of a digital platform, the right choice will depend on your own situation.

Comparing fees, exchange rates, delivery methods, and transfer times may help you find an option that better fits your needs and the way your family prefers to receive money.

With Común you can open an account using more than 100 Latin American IDs, send money from the comfort of your phone and access multiple delivery methods across Mexico.

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

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

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

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

4 Requirements to Open a Banking Account in the United States

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

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

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

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

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

Social Security Number (SSN)

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

Individual Taxpayer Identification Number (ITIN)

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

Identity Document

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

Proof of Address

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

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

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

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

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

Choose a Secure Platform that Accepts Foreign Identifications

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

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

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

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

Verify your identity with an official ID from your country

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

Activate Your Card and Start Using Your Account

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

Use Additional Features Such as Sending Remittances or Deposits at Stores

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

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

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

Bank of America

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

Común

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

Wells Fargo

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

Wise

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

Revolut

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

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

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

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

Why is Común Your Ally?

Forget about minimum deposits or monthly charges

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

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

Deposit cash at a network of establishments near you

It has 24/7 customer support available in Spanish

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

1. Común: Una Cuenta Corriente¹ con una Tarjeta de Débito VISA

Una cuenta de Común viene con una tarjeta de débito VISA, que te brinda la conveniencia y seguridad de utilizar uno de los métodos de pago más aceptados a nivel mundial. Ya sea que estés comprando en línea o en una tienda física, tu tarjeta de débito VISA de Común te respalda.

2. Dinero Asegurado por la FDIC con la Garantía de Cargos No Autorizados de VISA

Tu dinero está seguro con Común. Los fondos en tu cuenta de Común están asegurados por la FDIC, lo que significa que tus depósitos están protegidos hasta $250,000 a través de Community Federal Savings Bank. Además, la garantía de VISA contra cargos no autorizados ofrece una capa adicional de seguridad, brindándote la tranquilidad de que tu dinero está protegido contra actividades fraudulentas.

3. Sin Tarifas Absurdas

Una de las características destacadas de una cuenta de Común es su estructura de tarifas: no hay tarifas absurdas. No se te cobrará una tarifa de apertura, una tarifa mensual, tarifas de saldo mínimo ni tarifas de membresía. Esto significa que más de tu dinero se queda contigo, donde pertenece, sin tarifas ocultas.

4. La Red de Depósito de Efectivo Más Grande de EE. UU.

Común cuenta con la red de depósito de efectivo más grande de los Estados Unidos. Puedes depositar efectivo en más de 88,000 ubicaciones, incluidas grandes cadenas como Walmart, Walgreens, CVS, Dollar General y 7-Eleven. Esta extensa red garantiza que puedas depositar efectivo convenientemente, sin importar dónde te encuentres.

5. Servicio al Cliente de Primera Clase

El servicio al cliente es una prioridad en Común. Tendrás acceso a un soporte de primer nivel disponible los siete días de la semana a través de chat, correo electrónico o teléfono. Ya sea que tengas preguntas o necesites ayuda, el equipo de servicio al cliente de Común está listo para ayudarte.

6. Remesas Asequibles

Enviar dinero al extranjero puede ser costoso, pero no con Común. La cuenta proporciona acceso a uno de los productos de remesas más baratos del mercado⁴, desde solo $2.99 por remesa, independientemente del país de destino o del método de recogida. Esto significa que puedes enviar dinero a tus seres queridos sin preocuparte por tarifas altas que reduzcan la cantidad que estás enviando.

7. Sácala con la documentación oficial de tu país y Tu Información Está Segura

Una de las características más inclusivas de una cuenta de Común es que puedes usar la documentación oficial de tu país para abrir una cuenta. Los solicitantes pueden aplicar con cualquier identificación oficial emitida por el gobierno, incluyendo una licencia de conducir, una credencial de elector y más².

8. Acceso Temprano a tu Cheque de Pago

Con Común, puedes acceder a tu cheque de pago hasta dos días antes sin tarifas³. Esta función puede ayudarte a gestionar tus finanzas de manera más efectiva, brindándote más flexibilidad y tranquilidad.

9. Notificaciones Instantáneas e Inicio de Sesión Seguro

Mantente informado y seguro con las notificaciones instantáneas de Común para cada transacción. Las funciones de inicio de sesión seguro, incluidas Touch ID, garantizan que solo tú tengas acceso a tu cuenta, manteniendo seguros tus fondos y tu información personal.

Una Breve Historia de las Plataformas Bancarias

Para apreciar verdaderamente los beneficios de una cuenta de Común, es útil entender cómo han evolucionado las plataformas bancarias a lo largo del tiempo.

La Evolución de la Banca

Banca Tradicional:

La banca, tal como la conocemos, comenzó con sucursales físicas donde los clientes podían gestionar sus finanzas en persona. Estos bancos ofrecían servicios esenciales como depósitos, retiros, préstamos y asesoría financiera. Los clientes tenían que visitar el banco durante el horario de atención, lo que podía ser inconveniente para muchos.

El Surgimiento de la Banca en Línea:

Internet revolucionó muchas industrias, y la banca no fue la excepción. La banca en línea surgió a finales de los años 90, permitiendo a los clientes realizar tareas bancarias básicas desde sus computadoras. Esta innovación proporcionó mayor conveniencia y accesibilidad, reduciendo la necesidad de visitar sucursales físicas.

Banca Móvil:

Con la proliferación de los teléfonos inteligentes a principios de los años 2000, la banca móvil se convirtió en el siguiente gran salto. Los bancos desarrollaron aplicaciones móviles que permitieron a los clientes gestionar sus cuentas, transferir dinero e incluso depositar cheques desde cualquier lugar y en cualquier momento. La banca móvil hizo que la gestión financiera fuera más accesible y conveniente que nunca.

Neobancos y Plataformas Solo Digitales:

La última evolución en la banca es el auge de los neobancos: plataformas solo digitales que ofrecen servicios bancarios sin sucursales físicas. Estos bancos aprovechan la tecnología para reducir los costos generales y proporcionar productos financieros innovadores y fáciles de usar. Común es un ejemplo destacado de esta nueva generación de bancos.

¿Por Qué Elegir Común?

Elegir Común significa elegir una plataforma financiera que prioriza tu bienestar financiero y seguridad. Sin tarifas innecesarias, opciones extensas de depósito de efectivo, un servicio al cliente superior y políticas inclusivas, una cuenta de Común está diseñada para satisfacer tus necesidades y superar tus expectativas. Además, el apoyo de destacadas empresas de inversión como Animo Ventures, Costanoa Ventures y FJ Labs resalta la solidez y fiabilidad del respaldo financiero de Común.

Al optar por Común, no solo obtienes una cuenta; obtienes un socio que respalda tu viaje financiero en cada paso del camino, asegurando que tus necesidades únicas sean atendidas con el mayor cuidado y atención.

What is the CVV on a card?

Nowadays, making purchases with a credit or debit card in physical stores and online is an essential activity for acquiring everyday goods.

Security in these operations is essential. For this, these payment methods use the CVV or CVC code, which means Card Verification Value or Card Verification Code respectively, and its purpose is to verify that the cardholder has the physical card and to protect online and phone purchases.

Below, we will explain in detail what the CVV is, where to find it, the types of security codes, and tips to keep your cards secure.

Where to find the CVV on your card?

If you are going to make purchases online or by phone, you will need to provide the security code of your debit or credit card to verify it belongs to you.

In most cases, the CVV is located on the back of the card and consists of 3 or 4 numbers.

Here is a quick guide to locating the verification code depending on the card type.

Card type

Where to find the CVV?

How many digits does it have?

Visa

Usually on the back, next to the magnetic stripe.

3

Mastercard

Usually on the back, next to the signature.

3

Discover

Usually on the back, to the right of the signature.

3

American Express

Usually on the front, next to the card number.

4

One way to strengthen security during electronic transactions is the use of a dynamic CVV, which is found in digital applications or cards and is valid only for a limited time to make a single purchase. This reduces the risk of misuse of your personal data if it is exposed.

What is the CVV for and why is it important?

The CVV number is a security lock that allows you to use your physical and digital cards with confidence that a third party cannot access your money.

These are the most important functions of this security code.

• Holder verification:

It is especially useful for protecting electronic operations by verifying that the cardholder is the one making the purchase.

• Security in online purchases

When making an online purchase, you must enter the card’s CVV to validate the transaction. This process is more secure when using a dynamic CVV because it reduces the risk in case of fraud.

• Fraud prevention

Unlike other data usually included on physical cards, such as the number and expiration date, the CVV is not stored in online store systems, so your data remains safe in case of potential identity theft.

The purpose of the CVV is to provide you with security and peace of mind when making online purchases.

CVV, CVC, and CVV2: how are they different?

You may notice different types of CVV since the name can vary depending on the card issuer.

These are the security codes most commonly used by financial institutions to protect users’ cards.

CVV

The CVV (Card Verification Value) is the security code created for Visa cards. It consists of 3 or 4 digits and is used to confirm that the person making the purchase actually has the card.

CVC

The CVC (Card Verification Code) is the version of the CVV used by Mastercard cards. It has the same function and a similar composition.

CVV2

The CVV2 (Card Verification Value 2) is a digital version of the CVV used to provide greater protection in online purchases. While the traditional CVV is used during payments at card terminals, the CVV2 is requested to confirm remote transactions.

4 tips to use your card safely

Some people avoid or minimize the use of physical or digital cards due to fear of having their personal data stolen and generating unauthorized charges. However, financial institutions and digital platforms currently offer the necessary security measures to protect your assets.

Thanks to the implementation of codes such as the CVV, the risk of experiencing a security incident is minimal and decreases even more when you have the right information to apply practical strategies like the following.

• Do not share your CVV or write it in visible places: avoid having this code leaked to third parties. Remember that it is the number used to verify online purchases and that no financial institution requests sensitive data over the phone, so make sure to use the CVV responsibly.

• Use only secure payment sites (https://): if you need to make an online purchase, make sure the site has the required security measures to process electronic payments.

• Activate notifications or dynamic CVV if your bank offers it: enable notifications in your banking application and try using the dynamic CVV when shopping online. This allows you to generate a new CVV for each purchase.

• Review your transactions regularly: check your statement and transaction history frequently. If you detect any irregular activity, report it to your bank immediately.

Bank cards are useful tools that require responsible and cautious use. Learning to use your card safely and confidently is also part of building financial stability.

Manage your money and make payments securely with Comun

This time we explained what the CVV or CVC is, why it is important, and gave you some tips to keep your checking accounts secure.

The security provided by the CVV is the same you need in all your financial operations, such as digital payments, cash deposits, and international money transfers. For this, you have Comun, the digital platform specially designed for immigrants living in the United States who want to manage their money safely and without complications, with clear and competitive fees.

Comun is the financial platform that truly understands your needs and offers fair, tailored solutions.

Open your Comun account and start managing your money in the United States with confidence. Send, receive, and monitor your expenses from the mobile app.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

What happens if I give my CVV to someone else?

It is not advisable to give your CVV to someone else, as they could make purchases not authorized by you. Make sure to protect your banking information so only you have access to it.

Is the CVV the same as the card number?

No, the card number consists of 16 digits and identifies the checking account. The CVV consists of 3 or 4 digits and verifies that the holder is the card owner.

Can I make purchases without a CVV?

In physical stores, it is not strictly necessary, as the purchase is validated with the chip and PIN. For online purchases, it is essential to enter the CVV to authorize the transaction.

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Do you have children about to enter school in the United States? Understanding the U.S. education system is essential for adapting to a new culture and preparing for the differences compared with your country of origin.

Broadly speaking, the U.S. education system is divided into three stages: Elementary School, Middle School, and High School. Each plays a specific role in students’ academic journey. This system covers ages 5 through 18 and forms the central framework of schooling in the country.

In this article, we explain each of these stages and detail their purpose to demystify how students progress through the system and its educational levels in the United States.

Levels of the U.S. education system: Everything you need to know

In the United States, it is common for children to begin schooling around age 5. After kindergarten, it is divided into 12 grade levels.

Below, we show how the U.S. education system is structured.

Early childhood education

Early childhood education or preschool is not mandatory in the United States. However, it is common for children under age 5 to attend pre-K (preschool) or kindergarten.

These centers focus on young children’s cognitive development through play and early literacy activities. For this reason, there is no grading system. Kindergarten is offered through private and public options or via the Head Start social assistance program for low-income families.

Elementary school

After that, children will enter primary education or Elementary school starting around age 6, depending on the school district.

This level typically covers 1st through 5th grade and is characterized by the gradual introduction of more advanced knowledge, with the aim of building cognitive and social development through learning skills such as mathematics, science, and language, among others.

• Characteristics: students generally have the same teacher for almost all subjects, except for those requiring specialized knowledge, such as physical education.

• Grading system: it can vary by district, but it is common for students to be assessed using a letter scale—A, B, C, D, and F—or, alternatively, a numeric scale from 1 to 4.

• Approximate Ages: between 6 and 11.

Middle school (junior high school)

After finishing primary education, students continue with Middle school, which typically covers 6th through 8th grade. It is a transitional stage between primary and secondary education.

• Characteristics: students have a different teacher and classroom for each subject, which promotes independence and socialization.

• Grading system: the formal A through F system is typically being used.

• Approximate Ages: between 11 and 14.

High school

The next level is secondary school or High school, typically covering grades 9 through 12. It culminates in the High school diploma, a basic requirement to continue with higher education or enter the job market.

• Characteristics: in addition to required subjects such as English, math, and science, students can complement their education with electives and extracurricular activities.

• Grading system: both the A–F letter scale and the GPA (Grade Point Average) are generally used; GPA serves as an indicator of academic performance and is key for college admission.

• Approximate Ages: between 14 and 18.

Postsecondary education

Postsecondary or higher education in the United States includes different types of programs as well as private and public schools. Although it is not strictly mandatory, it provides more opportunities for good jobs and higher earnings.

These are the types of higher-education institutions in the U.S.

Public or private universities

• They offer a curriculum lasting approximately 4 years.

• Upon completion and passing of the program, graduates receive a Bachelor’s degree.

• The admission process depends on prior academic performance, reflected in the GPA.

• There are public universities funded by the government and private universities as well.

Community colleges

• These are public colleges offering educational programs that last 2 years.

• Upon completing this program, students earn an Associate’s degree, equivalent to a technical program.

• They are more accessible than a university, and admission rates are also higher.

If you need to send money to another country, explore some options and tips.

Technical or vocational institutions

• They focus on acquiring knowledge related to practical trades, such as nursing, graphic design, and programming.

• They also offer certificates to recognize completed studies.

The U.S. education system can be somewhat confusing compared with other countries, such as some in Latin America. Below is a comparison table to clarify general equivalencies, keeping in mind that there are variations in each country.

How does the school year work in the United States? Key aspects

The U.S. education system is characterized by flexibility to adapt to students’ abilities and interests in order to foster their full potential.

For this reason, it is common for students to be placed into specific classes according to their learning level, which may be more or less challenging.

• Placement depends on several factors, such as:

• How well the student understands English or their test scores—especially for foreign students

• Recommendations from parents/guardians

• Standardized test scores and prior academic performance

• Willingness to complete challenging assignments

• The student’s interest or motivation

• Teacher or counselor recommendation

• Examples of student work demonstrating their level of understanding and skills

Another relevant aspect to consider is the school calendar and schedule in the United States. These can vary by state and school district, but in general the school year begins in late August or early September and ends in late May or early June.

How to manage your finances in the United States with Común

As you can see, the U.S. education system is intentionally designed to guide students from basic education through higher studies and, afterward, into working life.

Each level has a clear function, which makes it easier for families, students, and educators to plan and provide support in order to make more informed decisions along the school path.

Without a doubt, your children’s education is one of the most important investments, because it is a way to secure their future.

Común is the ideal financial platform to help you manage tuition payments and handle school expenses for higher education.

Común is a financial platform with a mobile app that makes it easy to open accounts in the U.S. with a qualified official ID from your country of origin, send low-cost remittances, and provide bilingual Spanish and English language support for the immigrant community.

Learn about all the benefits of opening an account with Común for you and your family.

As an immigrant, Común allows you to open an account with a qualified official ID from your country, with no hidden fees and bilingual Spanish and English language support.

Frequently asked questions

If you still have questions, consult our Q&A section.

How do you enroll your child in school?

Go to the school district where you live to find out which school corresponds to your address. Complete the required documents and the enrollment application.

Requirements may vary by state or school district, so it is important to verify directly with your local school.

What is the difference between a public and a private school in the United States?

Public schools are funded by government tax revenues, while private schools are funded by tuition.

What do Freshman/Sophomore/Junior/Senior mean?

These are the terms used in U.S. high schools and universities to indicate year level

• Freshman: 1st year

• Sophomore: 2nd year

• Junior: 3rd year

• Senior: 4th year

What is needed to enter school in the United States?

• Minimum age depending on the level

• Birth certificate

• Up-to-date vaccination record

• Proof of residence in the district

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

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

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

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

How does a bank transfer or wire transfer work?

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

The mechanism for using this transfer service is as follows.

Initiation by the sender

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

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

Sending of instructions

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

Receipt and crediting

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

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

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

Advantages and disadvantages of bank transfers (Wire Transfers)

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

Advantages

Speed

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

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

Security

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

Ideal for large amounts

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

Traceability

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

Disadvantages

Cost

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

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

Irreversibility

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

Detailed information required

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

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

Required information and how to make a Wire Transfer effectively

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

Essential data to send a wire transfer

Recipient’s full name 

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

Name of the receiving bank 

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

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

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

SWIFT/BIC code for international transfers 

It is an international identifier for each bank.

Bank account number or IBAN for international transfers 

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

Exact amount to send

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

Tips for a successful and secure transfer

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

Double-check all information

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

Understand all associated fees before sending

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

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

Use reliable and transparent platforms

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

Stay alert to possible fraud

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

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

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

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

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

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

Frequently Asked Questions

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

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

How long does it take to process a wire transfer?

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

International transfers usually take 1 to 3 business days.

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

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

Are there amount limits for wire transfers?

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

How to receive money from the United States in Mexico: complete guide

To receive money from the United States in Mexico, you need to tell the sender which payment method you prefer. It can be a bank deposit, cash pickup at participating locations, or access through your bank account for ATM withdrawals. Depending on the service used, the money may arrive within minutes or on the same day.

Receiving money from the United States is easier today because there are more delivery options available than ever before. Depending on the remittance provider, recipients may be able to receive funds through a bank deposit, cash pickup, or other available methods. Understanding these options can help you choose the most convenient way to receive money and compare remittance services more effectively.

How does money sent from the United States arrive in Mexico?

Money sent from the United States can arrive in Mexico through several different delivery methods. The option available depends on the remittance service chosen by the sender and the payment preferences of the recipient. The most common delivery methods include:

• Direct deposit into a Mexican bank account
• Cash pickup at participating payment locations (like OXXO, Walmart, Bodega Aurrera, Waldos, etc.)
• Deposit into an account that allows access through ATMs

The delivery method should be selected before the sender completes the transfer. Choosing the correct option from the beginning can help make the process easier for the recipient.

What information does the sender need?

For a bank deposit, the sender will usually need:

• Your full name
• Your bank name
• Your account number or CLABE number

The CLABE is the standardized 18-digit banking number used in Mexico to identify bank accounts for electronic transfers.

For cash pickup, the sender may only need:

• Your full name
• Your city and state
• A valid government-issued identification document for collection

Before sharing information, verify that names and account details match your official documents. Small errors can delay delivery or require corrections before the funds are released.

What are the options for receiving money from the U.S. in Mexico?

Bank deposits can be useful for paying bills, saving money, or making digital payments. Cash pickup may be a practical option when a recipient does not have a bank account or prefers to receive physical cash. Accessing funds through an ATM can provide additional flexibility after the money has been deposited into an account.

Can I receive money from the U.S. without a Mexican bank account?

Yes. Many remittance services allow recipients to collect funds in cash without having a bank account. Cash pickup services are available through networks of participating payment locations throughout Mexico.

To collect the funds, recipients are typically asked to present: a valid identification document, the transaction reference number if required, information that matches the transfer details.

How long does it take for money to arrive in Mexico from the United States?

Delivery times vary depending on the remittance provider, payment method, verification requirements, holidays, and banking schedules. Some transfers arrive within minutes, while others may take several hours or up to one business day.

Bank deposits may take longer if the transfer is initiated outside banking hours or requires additional verification. Public holidays in the U.S. or Mexico may delay the transfer delivery times and dates. Cash pickup transfers are often available more quickly because they do not depend on bank processing schedules.

What are the fees for receiving remittances in Mexico?

In many cases, the sender pays the remittance fee when initiating the transfer. Recipients in Mexico often receive the full amount designated by the sender, although the final amount can be affected by exchange rates and the terms of the transfer service. Some banks in Mexico have fees for international transfers, and some cash pick-up locations may have fees when collecting cash.

Before collecting a transfer, it can be useful to confirm: the amount sent, the exchange rate applied, any collection requirements, the delivery method selected, and if fees are applicable in your case.

How do I receive money sent with Común?

If your family member in the United States uses Común to send money, they can choose the delivery method that works best for you in Mexico. Depending on the available options for the transfer, funds may be delivered through a bank deposit or made available for cash pickup through participating payment locations.

Remittances sent through Común start at $2.99, which are covered by the sender. Many transfers are delivered the same day, although it will depend on the destination and delivery method selected. To learn more, visit comun.app/remittances.

What to do before receiving your next remittance

Decide whether you prefer a bank deposit or cash pickup before the sender initiates the transfer. Having your account details, documents, and personal information ready can help reduce mistakes and delays.

Make sure you share your preference for receiving remittances with the sender. If you're selecting a cash pick-up location, verify if they have locations available nearby or if you will need to travel to pick it up. When handling cash, it is always important to consider safety precautions.

If your family member in the United States doesn't know about Común yet, you can share the website so they can evaluate if it's an option that suits their remittance needs. Común offers the possibility of opening an account using a passport or more than 100 valid Latin American IDs. The account doesn't have any minimums or monthly fees.

FAQ

How do I receive money sent from the United States to Mexico?

You can receive money through a bank deposit, cash pickup at participating locations, or through funds deposited into an account that can be accessed through an ATM.

Can I receive money from the U.S. without a bank account?

Yes. Many remittance providers offer cash pickup services. A valid identification document is usually required.

How long does it take for money to arrive from the U.S. to Mexico?

Some transfers arrive within minutes, while others may take several hours or up to one business day.

What information do I need to provide to receive a remittance?

Bank deposits usually require account details. Cash pickup services generally require identification and matching recipient information.

How much is the commission for receiving money from the U.S.?

The recipient does not always pay a fee directly. Costs may depend on the provider, exchange rate, and transfer terms selected by the sender.

What happens if the money doesn't arrive on time?

The sender should verify the transaction status with the remittance provider. Delays can occur because of verification requirements, banking schedules, holidays, or incorrect recipient information.

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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Difference Between a Savings Account and a Checking Account

Need a safe, simple way to manage your money? It’s important to understand the different bank account types offered by U.S. financial institutions and digital platforms.

Two primary examples are savings accounts and checking accounts. While common in the U.S., they differ in important ways especially relevant when you’re new to managing money in a new country.

It’s easy to assume both accounts do the same thing. Below, we detail what each account is, the main differences, comparisons, and examples.

What is a checking account?

A checking account is one of the most popular financial products. It’s designed for frequent transactions: receiving pay, sending transfers, and paying at physical and online merchants.

These are the main benefits of opening a checking account:

• Allows frequent deposits and withdrawals.

• Includes a debit card for purchases.

• Makes bill payments and transfers easy.

• Ideal for day-to-day income and expense management.

• Access to mobile/online banking.

• Some still offer paper checks for secure payments.

What is a checking account used for?

A checking account has multiple functions, for example:

• Receive your paycheck via direct deposit—securely and quickly.

• Pay utilities like electricity, water, or internet.

• Make purchases online or in stores.

• Withdraw cash at ATMs or participating retailers.

• Send money transfers to others easily.

• Track your money in real time.

In short, this account type covers everyday needs with simple, accessible tools.

Here’s where you can learn about different checking account types and their features.

What is a savings account?

Unlike checking, a savings account is for setting money aside longer term and growing it through interest.

Advantages of a savings account:

• Fewer routine transactions; focused on building funds.

• Can earn interest on your balance.

• Useful for mid- to long-term goals.

• Generally limits monthly withdrawals.

• Ideal for an emergency fund or setting aside money for unexpected expenses.

Want to understand how bank accounts work in the U.S.? Don’t miss our explainer with all the details.

Key differences between checking and savings

Though different, both accounts complement each other to cover short-, mid-, and long-term financial needs.

These are the main differences between them.

Access and usage

• Checking: money is available anytime for daily transactions—transfers, cash withdrawals, and bill payments via cards and digital channels.

• Savings: access is more limited because the goal is saving and growth; transfers are still possible.

Interest earnings

• Checking: most don’t pay interest; those that do tend to offer very low rates.

• Savings: the core feature is interest over time—protecting and growing funds without high-risk investing.

Learn about joint bank accounts, an excellent way to manage finances as a team.

Primary purpose

• Checking: mainly for short-term holding to cover daily expenses, receive wages, and make purchases with a debit card.

• Savings: to keep money safe and earn interest so it doesn’t lose value to inflation; a reserve for emergencies or long-term plans like trips, celebrations, or moves.

Costs and requirements

• Checking: many have monthly maintenance fees, often waived with a minimum balance or regular direct deposits.

• Savings: typically fewer fees than checking, but may require a minimum balance to avoid charges; some require keeping funds for a set period before withdrawal.

As you can see, the decision to open a checking or savings account depends on your needs. However, combining both is a strategic decision for financial management. On the one hand, a checking account allows you to keep up with daily payments, while a savings account is designed to plan for the future and keep your money separate.

Manage your money in the U.S. with Común

In this article, you learned the difference between checking (for daily transactions) and savings (for growing money over time to meet future goals).

Immigrants arriving in the U.S. need bank accounts that offer security and trust, yet often face hurdles due to strict requirements that disadvantage many in the community.

Meet Común, the checking account that understands immigrants’ needs!

Here are some benefits that await you:

• Checking account with clear, competitive fees.

• International money transfers with affordable costs.

• Mobile app also available in Spanish and  accepts 100+ qualifying official IDs for account opening.

• Debit card for everyday purchases and payments.

Open your Común account today and organize your money in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, check out our FAQ section.

Which is better, checking or savings?

It depends on your needs. If you're looking for an account for everyday transactions, such as transfers and deposits, receiving paychecks, and making utility payments, a checking account may be an option. If you want to save your money for the long term, consider a savings account.

Can I have both checking and savings?

Yes, you can separate your goals and organize your money. Use a checking account that supports domestic and international transfers with clear, affordable fees, and keep a savings account to plan long-term.

Which account suits newly arrived immigrants best?

Común is a financial platform with accessible onboarding requirements and fair, competitive pricing.

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O1 Visa Requirements to Work in the United States

The United States offers a wide variety of visas to include as many profiles as possible that can contribute their knowledge to the country.

One example is the O1 visa, intended for foreign nationals who possess extraordinary abilities in fields such as science, sports, and the arts.

This visa has very specific criteria. Therefore, in this article, we explain the requirements established by the U.S. government to obtain it, the classification of O1 visa types, and the documents required during the application process.

If you are looking for an alternative to obtain a work visa in a highly competitive field, the O1 visa could open the door to a new life.

What Is the O1 Visa and Who Can Apply?

The O1 is a U.S. nonimmigrant visa aimed at foreign nationals with extraordinary abilities or outstanding achievements in specific areas.

The concept of “extraordinary ability” can seem a bit ambiguous, but in this context, USCIS refers to individuals who have reached such a level of excellence in their field that they have verifiable national or international recognition.

This visa is divided into two main categories:

O-1A Visa

For individuals with extraordinary achievements in science, education, business, or athletics.

O-1B Visa

For individuals with extraordinary ability in the arts, motion picture, or television industry.

As you can see, it is an immigration document that demands a high level of achievement from applicants in specific areas of work.

Main Requirements for the O1 Visa

To qualify for an O1 visa, applicants must meet a series of requirements established by USCIS.

Below are the main requirements for the two categories of this visa.

For the O-1A Visa

Applicants with outstanding achievements in science, education, business, or athletics must demonstrate they meet the following eligibility criteria:

• Having received significant recognition with national or international impact.

• Membership in prestigious associations that require outstanding achievements.

• Mentions or features in reputable media outlets.

• Having participated as a judge of the work of others in the same field.

• Being the author of published scientific articles.

• Having collaborated with distinguished organizations in the area of expertise.

• Evidence of a high salary or remuneration compared to others in the same field.

For the O-1B Visa

Applicants with outstanding achievements in the arts, film, or television industry can demonstrate eligibility if they meet the following requirements:

• Having received major awards, such as Grammy, Emmy, Oscar, or Nobel Prize.

• Participation in renowned productions.

• Being recognized by media and critics.

• Demonstrable commercial success or popularity.

• Having led prestigious projects.

It is important to note that it is not necessary to meet all these requirements, but the more criteria the applicant fulfills, the easier it will be to obtain the visa.

In both cases, applicants must have a job offer or a sponsor in the United States.

Documents and Evidence Commonly Submitted with the Application

In addition to meeting the criteria, the applicant must have the following documents to prepare a complete application.

Form I-129, Petition for a Nonimmigrant Worker

This form must be filed by the U.S. employer or agent and should include the following details:

• Full name of the beneficiary.

• Detailed description of the project.

• Expected duration and location of the project.

Letters of Recommendation

This letter is essential to support the applicant’s experience in their field. It must be issued by a group of peers, a union, or an expert entity.

Job Offer Letter or Employment Contract in the U.S.

It is a document signed by the applicant and the employer that sets out the terms and conditions of employment, responsibilities, and duration.

Additionally, the previously mentioned requirements can be supported with the following documentation:

• Copies of publications, articles, or press materials.

• Evidence of memberships, awards, or recognitions.

• Financial statements or evidence of high remuneration.

If you have any doubts about your application process, consult an immigration attorney who can help you determine whether your profile fits this type of visa, which is often considered an elite category. Keep in mind that there are other options such as the EB-1 and H-1B visas.

Find Opportunities in the U.S. with Support from Común

In this article, we explained that the O1 is the visa for individuals with extraordinary abilities, aimed at people with outstanding performance in science, sports, and the arts. We also covered the approval requirements and documentation needed to demonstrate that you belong to the groups covered by this work authorization.

Arriving in a new country to work involves many changes and learning to adapt to customs and regulations. When it comes to managing money effectively, it is essential that immigrants have access to quality financial services.

Discover Común, the financial platform that makes life easier for immigrants in the U.S.!

• Checking account with clear and competitive fees.

• International money transfers with affordable costs.

• Mobile app available in Spanish that accepts more than 100 official foreign identifications.

• Debit card for everyday purchases and payments.

Open your account with Común today and build your future in the U.S. with a financial platform designed for immigrants.

Frequently Asked Questions (FAQ)

Can You Obtain an O1 Visa Without a Sponsor?

No, the O1 visa always requires a sponsor to initiate the process. This sponsorship may be provided by a U.S. employer or an agency that acts as an intermediary between the applicant and contractors in the United States.

Although this visa cannot be self-petitioned, there is an option to hire an agent to submit the initial petition.

How Much Money Is Required for an Investor Visa in the United States?

The most common investor visa is the EB-5, which requires a minimum investment of $1,050,000 if the investment is made in a rural area or one with high unemployment.

A key requirement is that the project must create or maintain at least 10 full-time jobs in the United States.

Another investor visa option is the E-2, or treaty investment visa, which does not require a fixed amount but requires the applicant to prove that the investment is large enough to generate a positive impact.

Which Documents Carry the Most Weight for Approval?

The documents that usually carry the most weight for O1 visa approval are those that demonstrate sustained and verifiable recognition.

For example:

• Major awards.

• Publications in recognized media.

• Participation as a judge of others’ work.

• Membership in selective associations.

• Evidence of participation in well-known projects.

• Letters of recommendation from experts or field leaders.

Although it is not necessary to present all these documents, the more evidence there is, the greater the chances of approval.

How Long Does the O1 Visa Last and Can It Be Renewed?

The initial duration is 3 years, depending on the project. Extensions of 1 year can be requested as long as the requirements continue to be met.

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Knowing how to receive money from the United States is essential, as remittances have become a key part of the economy for thousands of immigrant households. According to estimates, by 2030, migrant workers will send a total of $5 billion to their country of origin.

The growing need to send and receive money from abroad has encouraged the creation of new methods specifically designed for countries like Latin America. Below, we present the fastest, easiest, and safest options for receiving your money without complications.

You will learn everything about receiving money from the United States and Latin America: key aspects such as costs and security, requirements to open an account, and different applications for sending money from the United States. By the end of this article, you will know exactly which option is best suited to your needs.

5 Key Aspects to Consider When Receiving Money from the United States

Thanks to technological advances and financial openness, sending and receiving money through digital means is increasingly simple and accessible.

However, immigrant families still face various obstacles, such as high transfer fees, bank-imposed restrictions, and weak security measures.

Undoubtedly, this is not a decision to be taken lightly. Before accepting the terms and conditions of any provider, pay attention to the following key aspects:

Transfer Speed

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Access to cash quickly is a fundamental need for users receiving money from the United States. The reception time varies depending on the sender and other important factors:

• Type of bank: If the transaction is carried out through a traditional bank, it may take up to 5 business days. It is therefore advisable to opt for a company specialized in international transfers.

• Holidays or non-business days: These can also affect the speed of money reception.

• Receiving bank conditions: Each financial institution sets its own rules for receiving remittances, so it is advisable to consult your bank's specific conditions.

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Cost/Fees

A fundamental aspect to consider when receiving money from the United States is the fees, which can exceed 10% of the total amount and significantly reduce household support.

Consider an option that offers affordable costs and a favorable exchange rate.

Security and Reliability

The theft of personal data, commonly known as phishing, is the primary risk in international money transfers. To avoid becoming a victim of such fraud, make sure to use a reliable service through an official website or mobile app. Additionally, do not share passwords or sensitive information with third parties.

Ease of Use

According to the study Remittances to Latin America and the Caribbean 2024, 60% of migrant workers in the United States send money to their mothers. It is important to choose a provider that understands your needs and offers reliable, secure, and easy-to-use platforms.

Receiving Options

If for any reason you cannot receive money through bank transfers, look for an option that offers cash pickup locations near you, such as Oxxo or Walmart.

What Do You Need to Receive Money from the United States?

Regardless of the bank you choose the requirements for receiving money can be summarized as your basic personal information:

• Full name of the beneficiary
• Account number
• Name and address of the receiving bank
• SWIFT/BIC code of the receiving bank
• Address of the beneficiary
• Name of the intermediary bank

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The requested data may vary depending on the receiving country, so you may be asked for more or less information. Remember, no reputable institution will ask for passwords or access information to complete transfers or send money.

3 Methods to Receive Money from the United States Without Complications

If you need to send and receive money from the United States to Mexico, you can choose from the following options:

1. Receiving Money into Your Account

This is a simple way to receive money from the United States, as it allows you to do so from the comfort of your home via a mobile application.

In the case of Mexico, most traditional banks tend to receive transfers from the United States under their own terms and conditions. This means that fees and exchange rates vary by financial institution.

For Banorte and BBVA, the cost for international transfers is $30 plus VAT, regardless of the amount sent.

Receiving money through traditional financial institutions can be expensive; fortunately, there are more affordable alternatives.

2. Receiving Money Through Comun

Comun allows you to send money from the United States to Latin America with no charge on your first transfer and accessible fees thereafter. It is the preferred option among the immigrant community, offering shared language, interests, and goals: bringing families closer together through secure and affordable financial solutions.

Open your account with Comun and start sending money from the United States to your home without complications. Your family can receive it in local bank accounts or collect it physically at partner locations.

3. Receiving Money on Other Platforms

Wise

Wise is another platform that offers international money transfers. It is geared toward independent workers around the world who earn income from the United States.

Although it is a common alternative for receiving money digitally from abroad, it does not offer physical pickup options, which may be a drawback for migrant families.

Western Union

Western Union is one of the most popular options among migrant workers in the United States, as it allows for cash transfers without the need for a bank account, including to rural or hard-to-reach areas.

It is a suitable option in certain circumstances, but be aware that Western Union’s commission fees are typically high, and it uses a lower exchange rate than the market.

The cost of sending money depends on several factors, such as the method used and the destination country. However, the fee can reach up to 6%, not including the exchange rate difference.

MoneyGram

Finally, MoneyGram is an international money transfer service operating in over 200 countries, including Mexico.

Your Family Gets More for Less: Send Money with Comun from the United States. 

As you can see, sending and receiving money from the United States does not have to be complicated. Today, there are financial services that aim to bridge the gaps that hinder communication between businesses and individuals.

Comun is an accessible option for all, offering the best benefits for immigrant families:

• Access to a debit card and mobile app
• Account opening with official ID from your country
• Competitive fees for International money transfers, starting at $2.99 transfer fee
• No opening fees or monthly charges

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Compare and choose the option that best fits your needs. Remember that you have an ally in Comun to receive money from the United States without complications.

Frequently Asked Questions

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How long does it take for money to arrive from the U.S. to Mexico?

With Comun, your money arrives in minutes via bank transfers. Cash pickups at partner locations take as little as 1 hour.

What are the typical fees for receiving money?

Fees usually depend on the amount and destination country. Comun offers a transfer fee starting at $2.99, regardless of the amount sent up to the applicable limits.

Do I need a checking account to receive money?

Comun provides a checking account that includes a debit card and mobile application. However, it is not required, since you can receive money at physical locations.

Is it safe to receive money through digital platforms?

Absolutely. Comun is backed by major financial institutions. Your Comun account funds are insured by the FDIC up to $250,000 per ownership category through Community Federal Savings Bank (CFSB), member of the FDIC, in the event of CFSB’s failure.

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How to renew your ITIN: step-by-step guide

Your ITIN may have expired if you have not used it on a federal tax return for three consecutive tax years. To renew it, you must submit Form W-7 to the IRS, which is the same form used to apply for a new ITIN. You do not need to wait until tax season to start the renewal process, and you can submit your renewal before filing a tax return.

When does an ITIN expire?

An ITIN (Individual Taxpayer Identification Number) is a 9-digit tax processing number issued by the IRS. It is designed specifically for individuals who need to report income and file taxes in the United States but are ineligible for a Social Security Number (SSN).

An ITIN expires when it has not been used on a federal tax return for three consecutive tax years. The IRS explains that the expiration takes effect on December 31 of the third year of non-use.

An ITIN does not expire because time has passed, but because it has not been used for federal tax filing. Once expired, the number remains the same and can usually be renewed rather than replaced. An expired ITIN does not erase previous tax filings or financial records associated with it.

How do you know if your ITIN has expired?

One sign that an ITIN may have expired is not having filed a federal tax return with that number for several years. If three consecutive tax years have passed without using the ITIN, the number may no longer be active according to current IRS rules.

The IRS may also send a notice informing you that your ITIN needs to be renewed. Receiving a renewal notice does not mean there is a problem with your record. It simply means the IRS has determined that renewal is required before the number can be used again for tax filing purposes.

Tax software may also indicate that an ITIN has expired when preparing a return. If you are unsure if your ITIN has expired, checking IRS correspondence or reviewing past tax filings can also be a way to confirm status.

What happens if your ITIN expires?

An expired ITIN can delay the processing of a federal tax return. According to the IRS, certain tax credits and benefits associated with a return may not be available until the ITIN has been renewed.

An expired ITIN does not cancel previous tax filings, change your tax history, or create a new tax identity. The IRS maintains records associated with the original number even if that number has expired due to non-use.

An expired ITIN also does not automatically affect financial accounts that were opened using that number. However, an active ITIN may be required when completing future tax-related paperwork or applying for certain financial products and services.

If your ITIN has expired, the most practical step can be to start the renewal process before filing your next federal tax return. Taking action early can help avoid delays and additional paperwork during tax season.

What do you need to renew your ITIN?

To renew an ITIN, you must complete Form W-7 and mark it as a renewal application.

You also need documentation that proves identity and foreign status. The IRS lists acceptable documents in its official instructions, which include: passport, U.S. Citizenship and Immigration Services (USCIS) photo identification, visa issued by the U.S. Department of State, U.S. driver's license, foreign driver's license, foreign military identification card, national identification card (must contain name, photograph, address, date of birth, and expiration date), among others.

If your legal name has changed since your ITIN was issued, supporting documentation such as a marriage certificate or court order may be required.

How to renew your ITIN: step by step

1. Complete Form W-7

Fill out Form W-7 and indicate that you are renewing an existing ITIN. Make sure all personal details match your official documents.

2. Gather required documents

Collect identification documents that prove identity and foreign status. The IRS outlines acceptable documents in the Form W-7 instructions.

3. Attach supporting documentation

Include any additional documents required for your situation, such as name change records or prior IRS notices.

4. Submit your application

You can submit Form W-7 by mail, through an IRS-certified Acceptance Agent, or at select IRS Taxpayer Assistance Centers.

5. Wait for IRS processing

The IRS reviews the application and supporting documents before issuing confirmation. Keep copies of everything submitted for reference.

How long does ITIN renewal take?

Processing times vary throughout the year, but the IRS currently advises applicants to allow approximately seven to eleven weeks to receive notification regarding an ITIN application or renewal. Processing may take nine to eleven weeks during peak tax season or when applications are submitted from outside the United States.

Submitting a complete application can help prevent unnecessary delays. Applications that are missing required documents may take longer because the IRS must request additional information before processing can continue.

Can Común help me renew my ITIN?

Yes. Común's ITIN service helps with both new ITIN applications and ITIN renewals.

Común's ITIN service costs $199 and includes guidance throughout the renewal process. The service works with IRS-certified agents who help prepare the required paperwork, explain the requirements, and answer questions in Spanish.

The process can be completed from your phone, making it easier to organize documents and track progress without visiting multiple offices. Común also offers a money-back guarantee if the ITIN application is not approved according to the program terms.

FAQ

Do all ITINs expire?

Not all ITINs expire immediately or at the same time. An ITIN expires if it has not been used on a federal tax return for three consecutive tax years.

Can I renew my ITIN without filing taxes?

In some cases, yes. The IRS allows exceptions where Form W-7 can be submitted without a tax return depending on eligibility.

What form do I use to renew my ITIN?

You use Form W-7 for both new applications and renewals.

How long does it take to renew an ITIN in 2026?

The IRS estimates about seven weeks for processing. Processing may take approximately nine to eleven weeks during tax season or for certain international applications.

Can I still use my Común account if my ITIN expires?

An expired ITIN does not erase your financial history. If you have questions about how an expired ITIN may affect your specific account, contact Común directly for guidance.

What happens to my tax refund if my ITIN expires?

If an ITIN is expired, the IRS may delay processing a return until it is renewed. Certain tax benefits may not be available until the ITIN has been renewed, which can affect the timing of a refund.

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.

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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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