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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How to Call Guatemala from the United States Easily and Affordably

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

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

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

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

3 Basic Steps to Dial Guatemala from the USA

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

Here are the basic steps to dial Guatemala.

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

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

2) Dial 502 - Guatemala’s country code

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

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

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

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

Here you have some dialing examples: 

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

Guatemala Prefixes: Identify Landline vs. Mobile

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

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

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

Number type

Prefix

Example from U.S.

Landline, Guatemala City 

2

011 502 2 ### ####

Landline, Metro Area

6

011 502 6 ### ####

Landline, rest of country

7

011 502 7 ### ####

Mobile, major operators

3, 4 or 5

011 502 3 ### ####

Modern Ways to Save on Calls to Guatemala

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

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

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

Here are some options to call Guatemala easily.

VoIP applications

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

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

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

International plans from phone carriers

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

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

Prepaid calling cards

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

Bundles with minutes to Guatemala included

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

Tips to avoid extra charges on your calls

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

Common dialing mistakes when calling Guatemala:

• Not dialing the full international prefix. 

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

• Adding a 0 to mobile numbers. 

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

• Mixing up the first digit. 

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

• Not checking your plan or rates before calling. 

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

Tips for immigrants who need to call Guatemala

• Use apps over Wi-Fi whenever possible. 

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

• Confirm the Guatemalan number has 8 digits.

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

• Compare rates across providers. 

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

Stay connected with your family in Guatemala with Común

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

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

Discover all the benefits of Común!

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

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

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

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

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

What’s the cheapest option to call Guatemala?

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

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

Landlines start with 2 and mobiles with 5.

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

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

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

What is a digital wallet and how does it work?

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

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

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

Most common uses of a digital wallet

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

Pay in-store and online

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

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

Send money to family and friends

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

Store cards and documents

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

Manage your money better

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

4 advantages of using a digital wallet

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

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

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

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

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

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

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

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

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

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

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

Examples of popular digital wallets in the United States

• Apple Pay

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

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

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

• Google Wallet

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

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

• PayPal

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

• Cash App

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

Manage your money as an immigrant with Común 

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

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

• A checking account with clear, competitive fees.

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

• Fast money transfers with affordable fees.

• Mobile banking available in Spanish and English

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

Frequently asked questions

If you still have questions, see the section below.

What is the most reliable digital wallet?

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

How do I activate a digital wallet?

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

Is it safe to use a digital wallet?

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

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

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

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

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

Eligibility categories for the Green Card

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

Family-based Green Card

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

It is divided as follows:

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

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

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

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

Employment-based Green Card

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

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

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

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

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

Process to obtain a work-based visa

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

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

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

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

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

Green Card for special immigrants

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

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

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

Green Card through refugee or asylee status

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

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

Other categories

In addition, there are other less common categories:

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

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

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

Steps to apply for a Green Card

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

Determine eligibility

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

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

File the initial petition

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

• Valid passport (required for any category).

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

• Job offer letter.

Adjustment of status or consular processing

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

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

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

Interview and biometrics

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

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

Receiving the Green Card

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

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

Maintaining and renewing the Green Card

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

Renewal and replacement

• A regular Green Card is valid for 10 years.

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

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

Removal of conditions

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

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

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

Important rules

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

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

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

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

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

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

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

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

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

Why choose Común?

• Open a secure account with clear and competitive fees.

• Receive deposits and send remittances home.

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

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

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

Frequently Asked Questions (FAQ)

If you still have questions, consult our FAQs.

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

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

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

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

How long does the Green Card process take?

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

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

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

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

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

What happens if your Green Card is denied?

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

Some of the Best States to Live in the United States: Affordable Options with a Good Quality of Life

Although living in the United States comes with several benefits for immigrants, the cost of living in some cities could discourage the dreams of many people in search of better opportunities.

However, not all cities in the United States are characterized by high costs, so it's important to choose a state below the national average in order to have a more affordable life in the country.

In this article, we'll show you a comparison of several relevant factors that will help you choose the right place to live, such as housing, utilities, transportation, and job opportunities.

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

To determine the cost of living in a city or state, several economic and social factors must be taken into account.

These are the factors that define the cost of living across different states.

Housing and rent

In the United States, housing costs are one of the most significant factors when choosing which state to live in. For example, the average monthly rent for an apartment is approximately $1,630, but in states like California, this figure jumps to $2,634 per month.

Take time to research housing prices in different states, as well as your work and mobility needs.

Utilities and food

It's essential to consider the cost of basic utilities and food before deciding where to live. These include gas, electricity, water, and internet.

Some relevant data to consider: this year the average cost of food rose by approximately 3.2%. Additionally, the national average for utility costs is around $400.

Transportation and mobility

The type of transportation you use also greatly influences the cost of living, whether you use your own car or public transportation. This category represents 15% of the average household expenditure and up to 30% for lower-income families.

Job opportunities and salaries

Generally, states with higher costs of living also offer more competitive salaries. The average annual income in the United States ranges between $63,000 and $80,000, depending on the exact location.

According to the cost of living index, in states like Hawaii and California, the cost of living is up to 40% above the national average.

Before making the final decision on where to live, make sure to carefully evaluate each of these factors and compare different alternatives.

The 9 most affordable states to live in the United States

If you're looking to maintain a good standard of living at an affordable cost, you should know which states have a cost of living below the national average.

Fortunately, there are several examples of states where you can find affordable prices without sacrificing a competitive quality of life.

Here are the 9 most affordable states to live in.

1. West Virginia

This is one of the states with the lowest cost of living in the entire country; the cost of living index is approximately 88.3. In addition to the ease of finding housing, it's quite affordable, with an average monthly rent of around $909.

This state is known for offering job opportunities in various industries, such as mining, energy, and tourism.

2. Mississippi

Mississippi is known as the state with the lowest cost of living in the country, with an index of approximately 85. Housing prices are also affordable: a 2-bedroom apartment costs an average of $1,078.

It's a place with a low cost of living, which allows for greater savings. However, it's important to keep in mind that salaries are also lower compared to other states such as New York.

3. Oklahoma

Oklahoma has a cost of living index of 86, making it a very attractive place to live. The average monthly rent is $1,070, one of the lowest in the country.

Additionally, it offers diverse job opportunities in sectors such as agriculture, energy, and manufacturing.

4. Arkansas

Arkansas is also characterized by a low cost of living, with one of the most affordable rents in the country at approximately $937 per month. It offers opportunities in agriculture and tourism, and also makes it easier to start a business.

5. Alabama

Alabama's cost of living index is close to 88, and the average rent is approximately $1,315. It offers job opportunities in productive sectors, such as automotive and manufacturing.

6. Kansas

Kansas has an index of 88.8 and offers quite affordable monthly rents that hover around $1,082. It provides job opportunities in agriculture, renewable energy, and transportation.

7. Indiana

The cost of living index in Indiana is around 91.0, and the average monthly rent is $1,139. It has a significant industrial and automotive presence, and the cost of living is below the national average.

8. Michigan

The cost of living index in Michigan is around 89.8. The average home price is $262,505, making it a fairly affordable option. Additionally, it offers ample job opportunities in sectors such as automotive, technology, and manufacturing.

9. Ohio

Ohio is characterized by a cost of living 8% below the national average and housing costs 12% lower. It's a state made up of several large cities, so it also has good academic and job opportunities.

Comparison table of cost of living by state

How to choose the ideal state based on your budget and lifestyle

Although affordable costs in a city are crucial when deciding where to live, it's also essential to evaluate your own interests and goals.

We recommend taking these factors into account before starting your move.

• Family budget: evaluate your household income and expenses, as well as the lifestyle you can afford.
• Closeness to community or support networks: make sure you're surrounded by your community and trusted people who can support you when needed.
• Job availability: it's very important that the location has job opportunities for your profile.
• Access to basic services and education: consider the price index of public services, as well as educational opportunities.

Regardless of which state you choose, remember that good financial management is key to successfully settling in the United States.

Manage your finances in the U.S. with the support of Común

In this article, we showed you the factors that influence the cost of living in a place so you can evaluate which is the best state to live in the USA, taking into account the importance of financial management.

Knowing this information will make it easier to plan your daily expenses and meet your personal and family goals.

Común is the financial platform focused on supporting immigrants in the pursuit of financial wellbeing, regardless of which state they live in.

Discover Común and manage your money from any state in the U.S. with clear and competitive fees.

Frequently asked questions (FAQ)

If you still have questions, check the section below.

Which state has the lowest cost of living in the U.S.?

One of the states with the lowest cost of living is Mississippi.

Where can you find more affordable housing?

The most affordable housing is found in states like Mississippi, Arkansas, and West Virginia.

Which states offer a balance between employment and affordability?

States like Indiana, Ohio, and Kansas offer a good balance between employment and affordability.

How do I calculate the cost of living before moving?

It's necessary to compare income, housing, transportation, utilities, and food.

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

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

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

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

Basic steps to call Colombia from the USA

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

1. Enter the U.S. exit code – 011

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

2. Dial Colombia’s country code – 57

This identifies Colombia in the international telephone system.

3. Dial the local number in Colombia

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

Examples:

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

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

Area codes and dialing examples for Colombian cities

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

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

City

Area code

U.S. dialing example

Bogotá

1

011 57 1 #######

Medellín

4

011 57 4 #######

Cali

2

011 57 2 #######

Barranquilla

5

011 57 5 #######

Cartagena

5

011 57 5 #######

Bucaramanga

7

011 57 7 #######

Pereira

6

011 57 6 #######

Cúcuta

7

011 57 7 #######

Santa Marta

5

011 57 5 #######

Manizales

6

011 57 6 #######

Digital alternatives and budget-friendly plans to call Colombia

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

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

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

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

• Internet-voice apps (VoIP):

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

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

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

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

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

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

• Prepaid calling cards as a flexible option:

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

Stay connected with family in Colombia with Común

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

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

Meet Común your direct link to the ones you love!

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

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

Ready to revolutionize how you connect with your finances?

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

Frequently Asked Questions (FAQ)

Still have questions? Check our FAQ section below.

What if I don’t dial 011 or “+”?

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

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

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

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

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

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The bank routing number, or ABA Routing Number, is essential information for making money transfers. It is a 9-digit code used to identify each financial institution in the United States.

This code is so important because it ensures that electronic transactions are carried out correctly and that funds reach the designated bank.

In this article, we offer a complete guide to help you understand what a bank routing number is, what it does, where to find it, and how it is used in everyday electronic financial transactions.

What is a bank routing number (ABA), and why is it essential in the U.S. banking system?

An ABA routing number, or transit routing number, is a unique 9-digit code that serves as an identifier for each financial institution in the United States.

It differs from a bank account number in that an account number is personal, valid for the use of a single user only. By contrast, the routing number is a unique identifier for banks, credit unions, and digital banks.

The primary function of the routing number is to allow financial institutions to precisely identify which bank to send to or receive from during routine operations such as direct deposit of payroll, automatic payments (ACH), and electronic transfers.

It is important to note that this code is different from a bank account number and is not equivalent to the IBAN (International Bank Account Number), which is a set of numbers used especially in Europe to identify international bank accounts and is composed of the country code, check digits (the checksum of the bank account number), and a bank account number.

In the United States, however, the SWIFT/BIC code is used for international money transfers, not the IBAN.

Here are some crucial functions of the bank routing number in digital transactions.

Unique bank identification

The bank routing number helps prevent errors when identifying a specific bank and processing a transfer from one institution to another, even when they have similar names or many branches across the country.

Facilitates electronic transfers

This code is also indispensable so that ACH systems and wire transfers can send funds to the correct destination, quickly and securely.

Key for direct deposits

The ABA number is also essential for employers to make direct deposits, using that code together with the checking account number, without the need for checks or cash.

Automated bill payments

To set up automated payments for services such as electricity, water, and online subscriptions, you must provide the bank routing number so the billing system can process the transaction automatically.

Handling funds between banks

This number is also indispensable for transactions involving multiple financial institutions, such as interbank transfers or check clearing.

How to find a bank routing code and your bank account number

By now, the importance of the ABA number is clear. But how do you find a bank routing code? Knowing this information is the first step to making transfers correctly.

Likewise, it is essential to understand how to find your bank account number and to tell one number from the other to avoid confusion.

The routing number consists of 9 digits and identifies the bank. The account number has usually 10 to 12 digits and identifies the individual account within the bank.

To find your account number, look at the bottom of a check; it is the series of numbers that follows the routing number. You can also find it at the top of a statement or directly in the mobile application.

It is essential to make sure you have the correct routing number before making a transfer. Therefore, it is advisable to confirm it directly with your financial institution to avoid errors.

Many users ask where to find the routing number on a physical debit card. However, the routing number is not printed on such instrument because it is intended for digital transfers, not for payments at physical merchants.

These are the most common places to find the routing number for your bank or financial institution.

On your checks

Check the lower left corner of your personal or business checks; the routing number is the 9 digits shown there.Another relevant detail is the check number, which is usually at the top.

Mobile application

Another way to find this code is to access your mobile application and go to the transfers or direct deposit information section.

Bank statements

Check your latest bank statement, whether physical or digital; the routing number may appear in a section of that document.

Direct contact with your bank

If you have any doubt about the routing number, you can contact your bank by phone or visit a branch so they can clarify any questions before you make a bank transfer.

Your routing number and account: Key tools for your finances in the U.S. with Comun

Throughout this article, we have learned the importance of both the bank routing number and the bank account number in the U.S. financial system. Both are indispensable for carrying out fast and secure digital transactions.

Being clear about what a bank’s ABA number is not only lets you carry out digital transactions with ease but also gives you financial autonomy to allocate your resources toward the services you need for your well-being.

The U.S. financial system can seem complicated, especially for immigrant communities. That is why Comun seeks to streamline processes and offer transactions without complications.

• Receive and send money easily from your mobile application
• Integrate other applications and enhance your experience
• Access support available in Spanish and English
• Send international remittances with fees starting at $2.99 USD, up to the applicable limits.
• Get started with official ID from your country

Open your account today and discover an ally to manage your finances in the United States.

Frequently Asked Questions

If you have more questions, check our frequently asked questions section.

Where can I find my routing number if I don’t have checks?

You can find it on your account statement or by calling the bank directly.

What is the routing number for ACH transfers?

It is the code that identifies each bank and consists of 9 digits.

Is the routing number the same for all banks?

No. Each bank has a different routing number.

What is the routing number on a card?

The routing number does not appear on physical cards.

What is the routing number on a check?

It is found at the bottom of a check and consists of 9 digits.

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

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

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

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

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

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

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

#1 Choose a remittance provider

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

#2 Select the destination country and delivery method

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

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

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

#4 Pay for the remittance

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

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

#5 The recipient receives the money

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

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

The total cost depends on two main factors:

1. Service fees

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

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

2. Exchange rate costs

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

3. Other possible additional costs

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

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

To choose the best option, you can always consider:

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

What Companies Offer Remittance Services from the United States?

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

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

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

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

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

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

Requirements vary by provider and they depend on:

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

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

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

Traditional banks and companies like Western Union generally require:

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

How can you send remittances using Comun? 

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

Through the Comun App

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

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

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

Through Comun’s WhatsApp

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

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Best Practices for Sending Remittances

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

1. Verify the exchange-rate margin

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

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

3. Consider timing and holidays in both countries

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

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The Social Security Number is one of the most important identifiers in the U.S.  It is required for seeking to access benefits such as access to employment, tax filing, and financial services, among others.

If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.

What is the Social Security Number (SSN)?

The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.

Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.

In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.

How to obtain the Social Security Number in the United States?

An important point about the Social Security Number in the U.S. is that there are three different types:

• For citizens born in the United States 
• For citizens born abroad
• For non-citizens with lawful resident status

In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.

The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.

Get your SSN in just 4 steps

If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:

• A valid passport with the Machine Readable Immigrant Visa (MRIV) or a Permanent Resident Card (Form I-551)
• Birth certificate

Once you have gathered the documentation, follow these steps:

1. Download and complete the SS-5 application
2. Go to an SSA office
3. Present the original documents
4. Wait 7 to 14 days to receive the Social Security card by mail

What to do if your SSN card is lost?

If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.

Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).

Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.

Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.

5 benefits of having an SSN

If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:

1. Employment

For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.

2. Credit

The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.

3. Banking services

Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.

4. Government benefits

There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.

5. Taxes

The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.

In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.

How much does it cost to get an SSN?

It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.

Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.

Read more: Don’t miss our guide to investment basics for immigrants

Simplify your financial life upon arriving in the United States with Comun

As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.

Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.

• Open your account with an official ID from your country of origin
• Receive a Visa debit card and make purchases easily in physical stores and online
• Access a mobile application and manage your finances from the palm of your hand
• Send remittances to your home country for a fee starting at $2.99 USD, up to the applicable limits
• Forget about hidden fees and complicated processes
• Access support available in Spanish and English

With Comun, discover the most accessible way to manage your finances for everyday life in the United States.

Frequently Asked Questions

If you still have questions, consult our Frequently Asked Questions section.

What should I do if someone uses my SSN without permission?

Report immediately at IdentityTheft.gov and place a fraud alert.

How many times can I replace my SSN card?

Up to 3 times per year and a maximum of 10 times in your lifetime.

Is it mandatory to have an SSN to open an account with Comun?

Comun allows you to open an account with official ID from your country. 

Cuentas Bancarias

‍Tener una cuenta bancaria es esencial para gestionar tu vida financiera de manera eficiente y ofrece numerosos beneficios prácticos. Una de las principales ventajas es el almacenamiento seguro del dinero. A diferencia de mantener efectivo en casa, que puede ser vulnerable a robos, pérdidas y daños, el dinero guardado en una cuenta bancaria es seguro y protegido. Además, las cuentas bancarias proporcionan una gran conveniencia para las transacciones diarias. Puedes pagar facturas fácilmente, recibir depósitos directos, retirar efectivo y hacer compras con una tarjeta de débito vinculada a tu cuenta. La banca moderna también te permite gestionar tus finanzas desde prácticamente cualquier lugar a través de plataformas de banca en línea y móvil.

Tipos de Cuentas Bancarias: Corriente y de Ahorros

‍En el ámbito de las finanzas personales, entender los diferentes tipos de cuentas bancarias es crucial.

• Cuentas Corrientes: Las cuentas corrientes, a menudo llamadas cuentas corrientes personales, están diseñadas para transacciones diarias como depositar dinero y compras con tarjeta de débito. Frecuentemente vienen con la opción de depósitos directos y pagos de facturas en línea. Entender las diferencias entre las cuentas corrientes y de ahorros es esencial, especialmente cuando se consideran promociones y bonificaciones bancarias que a menudo presentan ofertas específicas para abrir nuevas cuentas corrientes y de ahorros, incluyendo requisitos de depósitos directos y depósitos mínimos para calificar para bonificaciones en efectivo.
• Cuentas de Ahorros: Las cuentas de ahorros, incluidas las formas especializadas como la cuenta de ahorros de Barclays, están destinadas a almacenar dinero durante un período más largo, a menudo con el objetivo de construir un fondo de emergencia. Estas cuentas pueden ofrecer una tasa de interés más alta y, a veces, requieren un saldo mínimo. La combinación de cuentas corrientes y de ahorros puede proporcionar una solución bancaria integral, ofreciendo tanto la flexibilidad de las transacciones diarias como el beneficio de ganar intereses sobre ahorros a largo plazo, lo cual es particularmente ventajoso cuando los bancos ofrecen promociones y bonificaciones para estas cuentas.
• Cuentas del Mercado Monetario y CD (Certificado de Depósito): Generalmente ofrecen rendimientos porcentuales anuales más altos que las cuentas de ahorros regulares, bloqueando los fondos durante un período especificado para lograr mejores retornos.

Entender estas opciones ayuda a alinear los servicios bancarios con tus objetivos financieros, ya sea que estés considerando abrir una cuenta corriente empresarial o una cuenta de ahorros conjunta en el mismo banco o cooperativa de crédito.

Abrir tu Primera Nueva Cuenta Bancaria

‍Para abrir una cuenta, particularmente una nueva cuenta bancaria en línea, comienza eligiendo la institución financiera adecuada: puede ser un banco solo en línea, un banco tradicional o una cooperativa de crédito, dependiendo de tus necesidades y preferencias financieras. Considera factores como la accesibilidad, el servicio al cliente, las estructuras de tarifas y la disponibilidad de funciones de banca en línea y móvil al seleccionar dónde abrir tu cuenta.

El proceso generalmente implica hacer un depósito inicial, que puede variar pero a menudo es un depósito mínimo de apertura. Cumplir con el depósito mínimo es crucial para calificar para las bonificaciones de la cuenta. Algunas instituciones pueden requerir solo unos pocos dólares, mientras que otras pueden pedir una cantidad mayor, especialmente para cuentas premium o especializadas. Durante la fase de apertura de la cuenta, necesitarás proporcionar información personal como un número de Seguro Social o un Número de Identificación del Contribuyente Individual, y una identificación emitida por el gobierno, como un pasaporte o licencia de conducir. Esta información ayuda al banco a garantizar el cumplimiento de los requisitos regulatorios, incluyendo los relacionados con el lavado de dinero.

Muchos bancos ofrecen bonificaciones de cuenta bancaria o una bonificación de cuenta corriente a nuevos clientes de cuentas corrientes, lo cual puede ser un incentivo atractivo. Abrir una cuenta corriente personal en América viene con bonificaciones y recompensas específicas, incluyendo bonificaciones en efectivo por cumplir ciertos requisitos como un depósito directo calificado. Para calificar para estas bonificaciones, los clientes a menudo necesitan cumplir con criterios como un depósito mínimo dentro de un cierto plazo y mantener ese saldo por un período específico. Por ejemplo, algunas instituciones financieras ofrecen bonificaciones en efectivo por configurar un depósito directo calificado. Este incentivo a menudo requiere que recibas un pago regular, como un salario o un beneficio gubernamental, directamente en tu nueva cuenta dentro de un cierto período de tiempo desde la apertura de la cuenta. Asegúrate de entender los términos y condiciones asociados con estas bonificaciones, como los requisitos de saldo mínimo y la duración de los depósitos directos.

Además, pregunta sobre cualquier tarifa potencial asociada con la cuenta, como tarifas de mantenimiento mensual, tarifas de uso de cajeros automáticos y cargos por sobregiro. A veces, los bancos ofrecen exenciones de tarifas en ciertas condiciones, como mantener un saldo mínimo o incluso por inscribirse en depósitos directos. También es beneficioso preguntar sobre las políticas de sobregiro del banco. Algunos bancos ofrecen programas de protección contra sobregiros, que pueden evitar que incurras en tarifas si accidentalmente sobregiras tu cuenta. Este servicio puede ser un salvavidas para los nuevos titulares de cuentas no familiarizados con la gestión de su saldo, pero típicamente viene con un costo adicional.

Por último, considera las opciones de servicio al cliente y soporte del banco. Un soporte al cliente confiable puede ser invaluable, especialmente si encuentras problemas con tu cuenta o necesitas orientación sobre el uso de los servicios bancarios. Al considerar cuidadosamente estos aspectos, puedes asegurar que tu primera experiencia bancaria sea positiva y financieramente beneficiosa. Recuerda, el banco adecuado para otra persona podría no ser el banco adecuado para ti, así que elige basado en tus circunstancias y necesidades financieras específicas.

Común es una Excelente Opción para tus Necesidades Bancarias en USA

Si buscas una solución bancaria confiable y moderna en los Estados Unidos, Común es la opción perfecta para ti. Común es un banco digital diseñado para todos, especialmente para la comunidad de inmigrantes, ofreciendo una experiencia bancaria sin complicaciones, sin cargos ocultos y con herramientas en español que facilitan la gestión de tus finanzas. Con Común, puedes abrir una cuenta en minutos desde tu teléfono, recibir tu tarjeta de débito gratuita y comenzar a disfrutar de beneficios como transferencias sin costo, depósitos directos y acceso a más de 55,000 cajeros automáticos gratuitos en todo el país. Además, Común se preocupa por tu seguridad, implementando medidas avanzadas para proteger tu dinero y tus datos. No esperes más y únete a la comunidad de Común para una experiencia bancaria que entiende y apoya tus necesidades únicas.

Abre tu cuenta corriente¹ en 3 minutos con la ID de tu país²

Abre tu cuenta

Mas información sobre cuentas bancarias en Estados Unidos

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Las mejores practicas para gestionar tu cuenta

Gestión Efectiva de la Cuenta

‍La gestión efectiva de las cuentas bancarias va más allá del simple monitoreo de saldos; abarca un enfoque integral de la administración financiera. Esto implica entender y reducir las tarifas de la cuenta, que pueden incluir el mantenimiento mensual, el uso de cajeros automáticos y los cargos por sobregiro. Una forma de minimizar estas tarifas es cumpliendo con los requisitos de saldo mínimo o inscribiéndose en depósitos directos, ya que muchos bancos ofrecen exenciones de tarifas bajo estas condiciones.

El uso de herramientas de banca en línea y móvil es esencial para una gestión financiera eficiente. Estas plataformas permiten el monitoreo en tiempo real de las transacciones, la transferencia inmediata de fondos y el acceso rápido a estados de cuenta y documentos bancarios, lo cual puede ayudar en la elaboración de presupuestos y la preparación de impuestos. Configurar pagos automáticos de facturas es otra característica crucial, asegurando que todos los pagos se realicen a tiempo, evitando así cargos por pagos atrasados e interrupciones en los servicios.

Para aquellos que gestionan múltiples cuentas, como una cuenta corriente empresarial y una cuenta corriente personal, vincular estas cuentas puede simplificar la gestión del dinero. Permite transferencias más fáciles entre cuentas y una vista consolidada de las finanzas, lo cual es particularmente beneficioso para los propietarios de pequeñas empresas que necesitan mantener separados los gastos personales y empresariales. Además, tener múltiples cuentas bancarias puede ofrecer beneficios significativos, como separar fondos para diferentes propósitos—como gastos diarios, ahorros e inversiones—y atender necesidades financieras individuales o conjuntas, incluyendo para viajes internacionales o propósitos empresariales.

Además, la banca móvil ha revolucionado el acceso a los servicios financieros, permitiendo a los usuarios realizar una variedad de tareas bancarias desde sus dispositivos, como verificar saldos, depositar cheques de forma remota y retirar efectivo en cajeros automáticos sin una tarjeta física. Esta conveniencia, sin embargo, debe equilibrarse con prácticas de seguridad diligentes para proteger los datos financieros.

Seguridad y Protección

‍La seguridad de una cuenta es crítica para proteger los activos financieros de posibles amenazas como el fraude y el robo de identidad. Los bancos, ya sean en línea o tradicionales, implementan medidas de seguridad robustas, incluyendo cifrado, certificados de capa de conexión segura (SSL) y monitoreo continuo de actividades sospechosas. Sin embargo, la responsabilidad también recae en el titular de la cuenta para mejorar su seguridad personal.

Habilitar la autenticación de dos factores agrega una capa adicional de seguridad, reduciendo significativamente el riesgo de acceso no autorizado. Usar contraseñas fuertes y complejas y cambiarlas regularmente son prácticas fundamentales para asegurar los portales de banca en línea. Los titulares de cuentas también deben estar atentos a las estafas de phishing—intentos fraudulentos de obtener información sensible. Reconocer correos electrónicos, enlaces o llamadas telefónicas sospechosas que soliciten información bancaria personal es crucial.

Monitorear regularmente la actividad de la cuenta es otra medida de seguridad proactiva. Muchos bancos ofrecen alertas personalizables que notifican al titular de la cuenta sobre transacciones inusuales o grandes inmediatamente, permitiendo una acción rápida contra accesos no autorizados. También es aconsejable revisar frecuentemente el historial de transacciones para identificar cualquier irregularidad que pueda indicar actividad fraudulenta. Además, entender las últimas tecnologías de seguridad bancaria y utilizar todas las herramientas disponibles proporcionadas por las instituciones financieras puede mejorar significativamente la seguridad de las operaciones bancarias. Estas herramientas incluyen verificaciones biométricas, como el reconocimiento de huellas dactilares y facial, que ofrecen un nivel de seguridad más alto que las contraseñas tradicionales.

Al incorporar estas prácticas avanzadas de gestión y seguridad, los individuos pueden mejorar significativamente tanto la eficiencia como la seguridad de su experiencia bancaria, asegurando que sus activos financieros se gestionen de manera sabia y se protejan contra posibles amenazas.

Conclusión

‍Navegar por las complejidades de las cuentas bancarias—desde elegir el tipo correcto hasta gestionarlas y asegurarlas—puede tener un impacto significativo en tu bienestar financiero. Entender los diversos tipos de cuentas disponibles, desde cuentas corrientes personales y empresariales hasta cuentas de ahorros y CD, te permite tomar decisiones informadas que se alinean con tus objetivos financieros. Abrir tu primera cuenta es un paso crucial que sienta las bases para construir un futuro financiero robusto. Al seleccionar la institución financiera adecuada, entender las estructuras de tarifas y aprovechar incentivos como bonificaciones de cuenta, te posicionas para maximizar los beneficios de la banca.

La gestión efectiva de la cuenta y las medidas de seguridad vigilantes son esenciales para aprovechar al máximo tu experiencia bancaria. Utilizar herramientas de banca en línea y móvil no solo proporciona conveniencia, sino que también te permite mantener una supervisión cercana de tus actividades financieras, asegurando que tu dinero trabaje para ti de la manera más eficiente posible. Además, la importancia de la seguridad no puede subestimarse; proteger tu información financiera del fraude y el robo es primordial en la era digital actual.

En última instancia, la gestión cuidadosa y la protección de tus cuentas bancarias son cruciales para mantener la salud financiera y lograr tus objetivos monetarios. Al adoptar las prácticas descritas en esta guía, puedes navegar con confianza en el panorama bancario, tomando decisiones informadas que fortalezcan tus finanzas personales y empresariales. Ya sea que estés abriendo tu primera cuenta o optimizando las existentes, recuerda que cada paso que tomes es un bloque de construcción hacia una mayor seguridad y libertad financiera.

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Starting a life in the United States means adapting to a new culture and customs that can interfere with everyday activities such as going to school, working, and carrying out important banking transactions.

Knowing the month-by-month celebrations in the United States lets you plan ahead—especially if you need to send remittances to your home country, plan trips, or make important payments.

This guide explains the main U.S. holidays, the differences between state and federal holidays, and how they affect work, school, and banking hours.

What are holidays in the United States?

U.S. holidays are special dates commemorating historical or cultural events. They may be observed at the federal or state level.

• Federal holidays

These are declared by the federal government. On these dates, banks, government offices, and federal services close. One example is Independence Day.

• State holidays

These are declared by state governments and apply only within that state.

Labor laws do not mandate overtime or premium pay on holidays, but some employers offer holiday pay.

Time off is only mandatory for federal employees; in the private sector it depends entirely on the employer. In some industries—such as tourism and hospitality—it’s common to work on holidays, with compensation determined by the company.

List of national holidays in 2025

There are 11 federal holidays in the United States to keep in mind. On these dates, banks and government offices typically close. This can delay remittance transfers.

Be sure to schedule transfers in advance so they don’t overlap with U.S. holidays and your money arrives without issues.

New Year’s Day – January 1

Celebration of the start of the year. Banks and public offices remain closed.

Martin Luther King Jr. Day – third Monday in January

Honors the memory of civil-rights leader Martin Luther King Jr.

Presidents Day – third Monday in February

Commemoration honoring George Washington and all U.S. presidents.

Memorial Day – last Monday in May

Commemorates members of the Armed Forces who died in service.

Juneteenth – June 19

Marks the end of slavery in the United States.

Independence Day – July 4

Celebration of the Declaration of Independence. One of the most important holidays.

Labor Day – first Monday in September

Celebration dedicated to the nation’s workers.

Columbus Day – second Monday in October

Marks Christopher Columbus’s arrival in the Americas in 1492.

Veterans Day – November 11

Commemoration recognizing all who served in the Armed Forces.

Thanksgiving Day – fourth Thursday in November

A family tradition dedicated to giving thanks for the harvest and the good moments of the year.

Christmas Day – December 25

The birth of Jesus; a widely observed religious and cultural celebration.

How holidays impact immigrants and families

Knowing what’s celebrated today in the United States helps you plan your day and be aware of possible workplace benefits you might be eligible for.

Work:

If you work in sectors such as hospitality, restaurants, or cleaning, you may have to work on holidays. Ask your employer whether double pay, shift changes, or other compensation applies.

Finances:

On federal holidays, banks and post offices close, which can delay financial operations such as deposits and international transfers. If you need to send money to family, do so before these dates.

Schools and procedures:

Public and private schools close on federal holidays. USCIS staff also do not work, so immigration processes are delayed.

Tips to organize your money and time

Don’t let holidays catch you off guard. Set aside a monthly budget for travel, daily expenses, and other activities.

Keep a payment calendar that accounts for holidays so you can make payments without setbacks.

Culturally important celebrations in the U.S. for immigrants

Beyond official dates, there are others that matter culturally to immigrant communities. They may not significantly affect institutions or businesses, but they’re still worth noting if you plan to budget for a celebration.

Battle of Puebla – May 5

A date that has also gained relevance among U.S. residents. Although many mistakenly link it to Mexico’s Independence Day, it actually commemorates victory over the French army.

Mother’s Day

In the U.S. it’s observed on the second Sunday in May, though immigrant communities may choose the customary date in their countries of origin.

Father’s Day

Observed on the third Sunday in June, though it can vary. It’s a day of family togetherness for many immigrants.

Halloween – October 31

A tradition that crosses borders; it’s very popular among immigrant communities who enjoy dressing up and having fun with kids.

Valentine’s Day – February 14

A popular holiday to celebrate love and friendship, spend time together, and give and receive gifts.

Day of the Dead – November 1–2

A Mexican tradition honoring the departed through altars, food, flowers, and music.

Organize your finances on holidays and send your money with Común

This article outlined the U.S. holidays and how they affect public and private operating hours.

Holidays shouldn’t keep you from meeting your financial obligations. Make sure you have an ally to help you plan your budget.

Get to know all the benefits of Común!

Transfer money from the United States to Latin America with clear, competitive fees, up to applicable limits (check terms in Común’s mobile app).

Discover the platform designed for immigrants—with shared interests, language, and goals: bringing families closer through accessible, secure financial solutions.

Open your Común checking account today and manage your money in the U.S. safely and without complications.

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

What happens with banks and remittances on holidays?

On national holidays, banks and post offices are closed. This means money transfers can take 1–2 extra days to complete.

Do all workers receive extra pay on holidays?

The law doesn’t require double pay on holidays, but some employers offer this benefit.

What are the most important holidays for the immigrant community?

For immigrant communities, the most relevant holidays include Christmas, Mother’s Day, and the Day of the Dead, among others.

El impacto de la inflación en nuestro presupuesto alimentario no es una broma. El aumento en los precios de los alimentos nos hace buscar alternativas más económicas. Descubre cómo ahorrar en comida con estos 10 consejos para gastar menos en supermercados y restaurantes.

Establece un presupuesto para el supermercado:

1. Fija un límite para tus compras en el supermercado y busca ofertas antes de entrar a la tienda. Planifica tus comidas y snacks en función de los descuentos de la semana. Prueba las marcas genéricas para ahorrar aún más.

Ten cuidado con las tácticas de venta:

2. Evita las estrategias de marketing que te hacen gastar más. No compres cuando estés aburrido, cansado o hambriento. Mantén la concentración y sigue tu lista de compras.
   
   1. Estas son algunas de las tácticas agresivas que usan los supermercados:‍
      
      1. Compras mínimas para recibir descuento. Los supermercados anuncian un precio barato cuando compras una cantidad mínima de un producto. A veces son dos, o tres, o cinco. Muchas veces la tienda respeta el precio si compras por individual. Esto se soluciona en la caja.‍
      2. Anclaje. Esto ocurre cuando el precio de venta se coloca estratégicamente junto al precio regular, haciendo que sientas que estás obteniendo una ganga.‍
      3. Colocar compras impulsivas al final de cada pasillo y en la caja. Podrías agregar algo a tu carrito de compras que no necesitas.‍
      4. Líderes en pérdidas. Estos son artículos anunciados a precios muy bajos. Si bien podrías obtener una oferta en el artículo en venta, la intención es que entres a la tienda y compres más artículos a precios regulares.

Usa cupones:

3. Aprovecha las aplicaciones y extensiones de navegador para encontrar cupones y descuentos en tus compras, como Honey, Dosh o Ibotta.

Compra solo lo esencial a granel:

4. Compra en grandes cantidades solo los productos no perecederos y de uso regular, como papel higiénico o pañales.

Revisa las ofertas en las estanterías de descuento:

5. Busca productos con descuento en las secciones de carnes y vegetales, así como en las estanterías de ofertas de tu supermercado local.

Revisa tu despensa:

6. Antes de ir al supermercado, verifica qué tienes en casa y crea platos con esos ingredientes. Usa aplicaciones como Kiwilimon para encontrar recetas.

Utiliza aplicaciones para ahorrar en comida:

7. Apps como Too Good to Go te permiten comprar excedentes de alimentos a precios reducidos. Misfit Markets, Imperfect Foods y GrubMarket ofrecen alimentos con defectos estéticos o excedentes a precios más bajos.
   
   Evita aplicaciones para pedir comida a domicilio como Grubhub, Doordash, y Uber Eats ya que cobran muchas tarifas e inflan precios de platillos por traer a domicilio. 

Come fuera durante la hora del almuerzo o happy hour:

8. Aprovecha las ofertas y menús especiales en bares y restaurantes durante estas horas para ahorrar dinero.

Reduce la frecuencia de comer fuera:

9. Limita tus visitas a restaurantes y comida rápida, y enfócate en preparar comidas en casa. La planificación de comidas puede ayudarte a ahorrar y comer más saludable.

Espacia tus visitas al supermercado y elige una sola tienda:

10. Espera hasta haber consumido la mayoría de tus alimentos antes de ir al supermercado y elige una única tienda para evitar gastos adicionales de transporte.

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Recuerda que con Común, puedes tomar control completo de tus finanzas y manejar tu dinero desde tu app. Común te ofrece una cuenta de cheques con más de 57,000 cajeros alrededor de Estados Unidos. Sin costo alguno. Ahorrarte dinero, es lo nuestro.

Ahorrar en comida es posible siguiendo estos 10 consejos prácticos. Establecer un presupuesto, aprovechar las ofertas y reducir la frecuencia de comer fuera te ayudarán a gastar menos en supermercados y restaurantes sin sacrificar la calidad de tus alimentos. ¡Empieza a ahorrar hoy mismo!

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