Buying a house in the U.S. is a process that is not legally restricted for the immigrant population. However, it is more complicated for this group due to certain specific requirements requested.

According to a recent article, obtaining financing is more difficult for immigrants due to obstacles such as lack of credit history, immigration status, and the need to have an SSN or ITIN.

If you plan to live in the United States and believe you are far from meeting the necessary requirements to buy a house there, below we present the complete guide so you can acquire a property for the first time.

Is It Possible to Buy a House in the United States as a Foreigner?

Unlike several Latin American countries, in the USA it is possible to acquire a property without being a U.S. citizen, as long as a series of requirements are met to carry out the purchase process.

This process is completely legal and increasingly common, as it is possible with good financial preparation and the necessary documentation. According to Realtor, during 2024 more than 43,700 homes were acquired by immigrants. This confirms the viability of the transaction.

Although it is not necessary to have citizenship or permanent residence to buy a house, it is true that immigration status and the fulfillment of other requirements can influence the steps to access mortgage loans and other financing options.

Requirements to Buy a House in the United States

The first step in buying real estate in the United States is to gather the requested documentation and have the financial solvency needed to cover the price of the property.

Identity Documents

These are the essential documents you must gather before buying a house.

Passport

You must present your valid passport and visa as primary identifications that will serve to validate your identity.

Tax Identification Number

Generally, lenders request the SSN, but if you do not have one, it is also possible to present the ITIN.

Financial Preparation

If you have the price of the property in cash, it will be much easier to complete the purchase process. Otherwise, you must undertake the appropriate financial preparation to access financing programs suitable for you.

This is the step-by-step process we recommend you follow to ensure you can cover the installments of your first house in the United States.

Proof of Income

It is essential that you can prove stable income to obtain a mortgage, since lenders want to ensure that applicants are able to cover monthly installments and other payments associated with the purchase of a property.

Immigrants have the option of presenting documents issued inside and outside the country, but they must be translated and certified.

Employment Letters

An employment letter issued by the employer is a common way to prove income.

This document must include:

• Company name and contact details

• Applicant’s position

• Date of entry into the company

• Annual or hourly salary

• Signature and position of the issuer

Banking Account

The lender may also request bank statements from the last 3 months to verify steady income consistent with the declared salary. In addition, they evaluate the existence of overdrafts and the applicant’s savings capacity.

Funds Available for Down Payment and Closing

It is essential that you demonstrate solvency to cover the following payments.

• Down payment: ranges from 3% to 20% of the property value, depending on the type of loan

• Closing costs: notary fees, insurance, and loan fees

7 Steps to Buy a House in the United States

Step 1: Research the real estate market and define where you would like to buy

Before choosing a property, research the real estate market, the average price in each area, and access to basic services in the neighborhood of your interest. States like Texas are characterized by an 18% lower cost of living than the national average and a high presence of the immigrant community.

Below we show you a comparative table of the range of housing prices in different cities, according to Zillow.

Price table

Step 2: Calculate How Much You Can Spend and Set Your Budget

It is very important that you carry out an analysis of your payment capacity, according to your income and monthly expenses.

Calculate how much money you spend per month and whether you will be able to cover the corresponding installments with the remaining money, as well as the amount you have saved at the moment.

Step 3: Choose a Real Estate Agent with Experience in International Clients

A real estate agent with experience in international clients will be of great help in streamlining the process, as they know well the special requirements as well as the most common barriers faced by immigrants. In addition, the real estate agent can help you with negotiation and with comparing housing prices.

Step 4: Request a Mortgage Pre-Approval if You Plan to Finance the Purchase

It is not mandatory to request mortgage pre-approval, although it does offer you certain benefits, such as greater solidity when presenting an offer, in addition to showing you the amount the bank could lend you.

Step 5: Visit Properties and Make a Formal Offer for the One You Are Interested In

Once you find a property ideal for your lifestyle, your real estate agent must prepare a formal written offer, which can be accepted, rejected, or renegotiated by the owner.

Generally, a guarantee deposit is delivered to endorse the purchase commitment.

Step 6: Carry Out the Inspection and Professional Appraisal of the Property

The inspection is vital to detect structural problems that affect the value of the house and to carry out the official appraisal that will be confirmed by the bank.

Step 7: Sign the Documents and Make the Final Payment at Closing

On the long-awaited closing day, you must sign a series of documents and carry out the following procedures:

• Mortgage signing, if applicable

• Signing of the property transfer

• Transfer of down payment and closing costs

• Registration of deeds in your name

Welcome to your new home!

Discover How Much It Costs to Buy a House in the United States

One of the most common mistakes of first-time buyers is calculating long-term payments based on the listed price, without considering the additional costs of the U.S. real estate market, such as:

Additional Costs to Consider

• Property taxes

• Home insurance

• Closing costs

Practical Tips for a Safe Purchase

Buying a house is a very important decision, which is why we recommend taking the necessary time to research and review all the details of the transaction.

In addition, it is advisable to have a banking account with real-time notifications and support in your language. This will help you better manage your finances and verify your income.

Común Helps You Prepare to Buy Your House in the United States

As you can see, buying a home in the United States is completely viable for immigrants, as long as they have the correct information, the support of experienced professionals, and proper financial planning.

Opening a banking account brings you closer to fulfilling the American dream, since it allows you to safely receive your salary and verify your income in the country.

Open your account today at Común with a qualifying official ID from your country of origin, organize your finances, and take the first step toward your new home.

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

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

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

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

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

What is cashback and how does it work?

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

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

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

Cashback Reward

Traditional discounts

Definition

Returns a percentage of your purchases after you make them.

Reduces a product’s price before purchase.

Advantages

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

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

Disadvantages

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

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

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

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

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

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

• Automatic deposit into the same account used.

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

• As a credit valid for future purchases.

Benefits of cashback reward for your personal finances

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

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

Here are some practical advantages of cashback reward:

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

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

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

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

3 practical tips to use cashback reward wisely

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

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

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

2. Avoid buying unnecessary things just to get cashback reward

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

3. Track the money you get back each month

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

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

Move your money easily with Comun

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

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

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

Discover all the benefits Comun has for you!

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

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

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

• Get a debit card to cover your daily expenses.

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

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

Frequently Asked Questions (FAQ)

If you still have questions, check the section below.

Can I use cashback reward for my daily expenses?

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

Do I need a credit card to get cashback ?

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

What is cashback on credit cards?

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

What is cashback on debit cards?

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

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The 100 Questions about American Citizenship in Spanish

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

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

How does the US citizenship test work?

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

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

Who can take the exam in Spanish?

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

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

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

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

Principles of American Democracy (1–12)

1. What is the supreme law of the land?

• the Constitution

2. What does the Constitution do?

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

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

• We the People

4. What is an amendment?

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

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

• the Bill of Rights

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

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

7. How many amendments does the Constitution have?

• twenty-seven (27)

8. What did the Declaration of Independence do?

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

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

• life
• liberty
• pursuit of happiness

10. What is freedom of religion?

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

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

• capitalist economy
• market economy

12. What is the "rule of law"?

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

System of Government (13–47)

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

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

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

• checks and balances
• separation of powers

15. Who is in charge of the executive branch?

• the President

16. Who makes federal laws?

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

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

• the Senate and House (of Representatives)

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

• one hundred (100)

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

• six (6)

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

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

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

• four hundred thirty-five (435)

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

• two (2)

23. Name your U.S. Representative.

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

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

• all people of the state

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

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

26. We elect a President for how many years?

• four (4)

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

• November

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

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

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

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

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

• the Vice President

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

• the Speaker of the House

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

• the President

33. Who signs bills to become laws?

• the President

34. Who vetoes bills?

• the President

35. What does the President's Cabinet do?

• advises the President

36. What are two Cabinet-level positions?

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

37. What does the judicial branch do?

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

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

• the Supreme Court

39. How many justices are on the Supreme Court?

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

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

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

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

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

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

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

43. Who is the Governor of your state now?

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

44. What is the capital of your state?*

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

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

• Democratic and Republican

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

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

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

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

Rights and responsibilities (48–57)

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

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

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

• serve on a jury
• vote in a federal election

50. Name one right only for United States citizens.

• vote in a federal election
• run for federal office

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

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

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

• the United States
• the flag

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

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

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

• eighteen (18) and older

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

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

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

• April 15

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

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

Part B: American history (questions 58-87)

Colonial Period and Independence

58. What is one reason colonists came to America?

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

59. Who lived in America before the Europeans arrived?

• American Indians
• Native Americans

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

• Africans
• people from Africa

61. Why did the colonists fight the British?

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

62. Who wrote the Declaration of Independence?

• (Thomas) Jefferson

63. When was the Declaration of Independence adopted?

• July 4, 1776

64. There were 13 original states. Name three.

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

65. What happened at the Constitutional Convention?

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

66. When was the Constitution written?

• 1787

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

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

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

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

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

• (George) Washington

70. Who was the first President?*

• (George) Washington

1800s

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

• the Louisiana Territory
• Louisiana

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

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

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

• the Civil War
• the War between the States

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

• slavery
• economic reasons
• states' rights

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

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

76. What did the Emancipation Proclamation do?

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

77. What did Susan B. Anthony do?

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

Recent American History and Other Important Historical Information

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

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

79. Who was President during World War I?

• (Woodrow) Wilson

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

• (Franklin) Roosevelt

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

• Japan, Germany, and Italy

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

• World War II

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

• Communism

84. What movement tried to end racial discrimination?

• civil rights (movement)

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

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

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

• Terrorists attacked the United States.

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

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

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

Geography

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

• Missouri (River)
• Mississippi (River)

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

• Pacific (Ocean)

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

• Atlantic (Ocean)

91. Name one U.S. territory.

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

92. Name one state that borders Canada.

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

93. Name one state that borders Mexico.

• California
• Arizona
• New Mexico
• Texas

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

• Washington, D.C.

95. Where is the Statue of Liberty?*

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

Symbols

96. Why does the flag have 13 stripes?

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

97. Why does the flag have 50 stars?*

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

98. What is the name of the national anthem?

• The Star-Spangled Banner

Holidays

99. When do we celebrate Independence Day?*

• July 4

100. Name two national U.S. holidays.

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

Frequently Asked Questions about the Citizenship Exam

How many questions are asked on the citizenship exam?

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

Is the citizenship exam in English or Spanish?

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

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

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

How much does the citizenship exam cost in 2026?

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

Do the citizenship exam questions change?

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

Can I study the citizenship questions in Spanish?

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

5 Tips for Studying for and Passing Your Citizenship Exam

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

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

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

Practice your answers out loud.

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

Start with questions that change.

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

Use flashcards and try to study with someone.

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

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

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

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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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Have you just obtained your permanent residence in the United States? Without a doubt, it’s a great achievement for every immigrant who has gone through the immigration process for a long time, though it also comes with a series of responsibilities and restrictions.

A recurring issue within the immigrant community is the general lack of awareness about the risks that can affect their legal status if they don’t act appropriately in the country.

In this article, we aim to keep you informed about these restrictions and provide practical advice to maintain your permanent residence smoothly.

Legal restrictions and rights as a permanent resident

The first thing you should understand is that being a resident is not the same as being a U.S. citizen, as there are clear legal differences that set them apart.

These are the main restrictions you should keep in mind.

You cannot vote in federal elections

Unlike U.S. citizenship, permanent resident status does not grant the right to participate in federal or state elections, which is a disadvantage in exercising voting rights.

Certain public jobs are restricted

Although permanent residents can work for the U.S. government, some positions are only available to citizens, particularly those related to national security or public trust roles.

Possibility of losing status for serious crimes

While obeying the law is mandatory regardless of your immigration status, it’s important to remember that committing crimes such as fraud or drug trafficking can lead to the revocation of your Green Card.

Risks of losing the Green Card due to absences or immigration errors

One of the key requirements you must keep in mind from the moment you began your Green Card process is the obligation to maintain continuous residence in the United States before and after approval.

Keep these risk scenarios in mind to avoid problems with U.S. immigration authorities.

• Leaving the country for more than 6 months without justification may raise suspicion of abandoning residence: if you need to leave the U.S. for more than 6 months, apply for Form I-131, which declares your intention to return.

• Stays outside the U.S. longer than one year can cause automatic loss of status: prolonged absences are generally considered abandonment of permanent residence. Form I-131 allows you to remain abroad for up to two years.

• Failing to file taxes or lying on tax returns can be grounds for revocation: the Internal Revenue Service (IRS) and U.S. Citizenship and Immigration Services (USCIS) may revoke lawful permanent resident status if they detect irregularities in tax payments.

It is advisable to plan your trips abroad in advance and, if necessary, obtain a reentry permit before leaving. Also, stay up to date with your tax payments and seek legal advice if needed.

Limitations on sponsoring family members and obtaining benefits

One of the main advantages of having a Green Card is the ability to sponsor family members for the same status. However, unlike U.S. citizens, residents have access to limited eligibility categories.

• You can only sponsor a spouse and unmarried children under 21: these relatives are considered “preference” categories and must wait until visa slots become available.

• Parents and siblings cannot be sponsored (only citizens can do so): in this case, the only option is to obtain U.S. citizenship.

• Waiting times are long depending on the country of origin: the process can take longer for applicants from high-demand countries, such as Mexico.

Although permanent residence offers certain benefits for holders, these restrictions can be frustrating for immigrants seeking family reunification hindered by regulations.

Tips to protect your status as a permanent resident

It’s true that there are risks that can lead to losing your permanent residence, but most can be avoided with good practices and responsibility.

Keep these tips in mind to avoid problems with the U.S. government.

Always meet your tax obligations

Stay current with your annual tax filings; remember that the deadline is usually April 15 each year. It is essential to meet this requirement, even if you spend time outside the country, to demonstrate your responsibility as a permanent resident.

Maintain a clear residence and ties in the U.S.

It is essential that your main residence is in the United States and that you can show clear ties in the country, such as work, studies, or family.

Avoid long absences and consult before traveling

As mentioned before, being away for more than 6 months may be interpreted as abandoning permanent residence. Try to leave the country only in emergencies, after applying for Form I-131.

Consider applying for citizenship if you meet the requirements

After 5 years as a permanent resident without extended absences and meeting other legal requirements, you can apply for citizenship and remove these restrictions.

Although naturalization is a long process with several steps, it is the most practical path to long-term stability in the country and full rights.

Común supports your financial life as an immigrant

In this article, we explained the “fine print” of the permanent resident card, showing you the risk factors that could lead to losing your status, as well as its benefits.

A common concern for immigrants seeking permanent residence is staying connected with their loved ones despite the distance. Común is the fintech platform that helps you organize your money and send support easily.

Discover all the benefits of Común!

• Checking account with clear and competitive fees.

• Affordable international money transfers.

• Mobile app available in Spanish that accepts more than 100 qualifying official identifications from your home country.

• Debit card for everyday purchases and payments.

Open your account with Común today and manage your money in the U.S. with clarity and confidence.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

What’s the difference between a Green Card and residency?

The Green Card, or permanent resident card, is the physical document that certifies that a person holds lawful permanent residence. Residency, on the other hand, is the status granting the right to remain in the country indefinitely.

How long does a Green Card last?

The Green Card is valid for 10 years and can be renewed indefinitely as long as requirements are met. For conditional residency, it lasts 2 years, after which you must apply to remove the condition to renew it for 10 years.

What happens if I don’t renew my permanent visa?

If you don’t renew your permanent residence, your status remains valid, but you might face issues reentering the country, at work, or when handling legal procedures. It’s best to keep this document current to avoid complications.

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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 feasible way to live and work in the United States, you should know the details of the EB-3 visa, a permit that offers skilled workers, professionals, and other unskilled workers the possibility of accessing various job opportunities in the country.

This visa is the most common route to live and work legally in the U.S. because, unlike the EB-2, it covers a broader range of profiles. It also facilitates obtaining permanent residence.

The application process is often somewhat confusing and slow. Therefore, here we explain what the EB-3 visa is, its requirements, the employer’s role, benefits, processing time, costs, and the step-by-step process to apply.

What is the EB-3 visa and who qualifies?

The EB-3 is a visa category for obtaining a Green Card through authorization granted to foreign workers who have a job offer issued by a U.S. employer.

In turn, this visa is divided into three main categories:

• Skilled workers: individuals with at least 2 years of job experience in a given field.

• Professionals: individuals with a university degree equivalent to a U.S. bachelor’s degree, whose positions require academic training.

• Other (unskilled) workers: roles requiring less than 2 years of experience—generally positions requiring steady labor.

For any of these subcategories, the employer plays a central role by filing the labor certification (PERM) with the Department of Labor to show that no U.S. workers are available to fill the job.

Main EB-3 visa requirements

The EB-3 visa has specific requirements depending on the subcategory. Below is a comparative table.

Regardless of subcategory, a permanent job offer in the United States is always required. The employer must also complete DOL-approved labor certification showing the need to hire a foreign worker for the position.

Next, Form I-140 (Immigrant Petition for Alien Worker) is filed, in which the employer asks USCIS to classify the worker under an EB-3 category.

For example, if a medical practice needs a physician, it files Form I-140 to substantiate the candidate’s experience.

Benefits of meeting EB-3 visa requirements

Obtaining an EB-3 work visa brings several advantages not only for the applicant but also for their family, for example:

• Job stability in the U.S.

An EB-3 visa allows you to secure lawful employment with a U.S. company, helping you achieve financial stability and a better quality of life for your family.

• Pathway to lawful permanent residence.

The EB-3 is also a route for your immediate family to obtain a family-based Green Card, allowing you and your family to live legally in the United States.

• Opportunities for professional and personal growth.

Building a life in the United States brings benefits such as access to higher wages, a broader job market, education for your children, Social Security, and more. This enables long-term financial planning to acquire property and services needed for your family’s well-being.

How to apply for the EB-3 visa step by step

Step 1. Determine eligibility

First determine which of the three categories fits your profile and verify that you meet the requirements based on your education level, work experience, and the type of job you’re applying for.

Step 2. Labor certification (PERM)

The employer must then file the labor certification (PERM) with the Department of Labor (DOL) to show no U.S. workers are available for the position and that the offered wage meets legal standards. This step is essential; without approval the process cannot proceed.

Step 3. File Form I-140

Once PERM is approved, the employer must file the I-140 petition with USCIS to confirm the job relationship and the company’s financial ability to pay the worker’s wage.

Step 4. Adjustment of status or consular processing

After I-140 approval, wait for visa availability in the Visa Bulletin, then proceed accordingly:

• Adjustment of status: if you’re already in the U.S., file Form I-485

• Consular processing: if you’re outside the U.S., file Form DS-260 through the National Visa Center and attend an interview.

Común supports your daily financial life in the U.S.

Here we’ve shown what the EB-3 visa is, the requirements for each subcategory, the benefits, and the application process.

As you start your new life in the U.S., make sure you have an ally who understands you.

Común is a financial platform that helps you manage your everyday needs in the United States. Through the Común mobile app and an intuitive platform, you can create your checking account with a qualifying official identification from your home country. It also makes sending remittances to Latin America, simple and transparent, with clear and competitive fees, up to the applicable limits.

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

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

How long does the EB-3 process take?

The timeline varies with workload, but the full process is estimated at roughly 1 to 3 years.

How much does the EB-3 visa cost in the United States?

• Form I-140: $715

• Form I-485 (adjustment of status): $1,440

• Form DS-260 (consular processing): $325 per applicant

Can I include my family with the EB-3 visa?

You can include your spouse and unmarried children under 21 to apply for residence as derivative beneficiaries and obtain the Green Card at the same time.

Do I need a job offer to apply?

Yes, the EB-3 always requires a job offer, unlike the EB-2 NIW subcategory.

Alien Registration Number or A-Number: Everything you need to know if you’re in the United States

Immigrants living in the United States should become familiar with several terms and procedures to ensure their long-term stay in the country.

One way to compile all the information related to your immigration process is through the A-Number or Alien Registration Number. This identifier is assigned by the Department of Homeland Security (DHS) to foreign nationals residing in the country.

It’s very important to know this information, as it serves as the identification number for your immigration file.

In this article, we’ll explain what the Alien Registration Number is, what it’s used for, and why it’s so important for immigration procedures.

What is the Alien Registration Number (A-Number) and what is it for?

The first step to identifying an A-Number is knowing that it always begins with the letter “A” and contains 8 or 9 digits.

The main function of this number is to allow USCIS and other agencies to quickly track immigration cases and applications related to each person.

Here are some examples of when the A-Number is used:

• To track your permanent residence (Green Card) application.

• When you apply for a work permit (EAD).

• If you apply for an adjustment of status, your A-Number will be used to link your case file.

Where can you find the Alien Registration Number, and who receives it?

To locate your A-Number, you can check several official documents issued by USCIS or DHS, such as:

• Green Card

• Employment Authorization Document (EAD)

• USCIS notices

• Immigration court orders

Do you know the difference between an ITIN and an SSN? This article explains everything you need to know.

How to identify the A-Number

Below we break down how the A-Number appears on various official documents.

Document

Location

Permanent Resident Card

On the front, next to “USCIS#” or “A#.”

Work Permit (EAD) 

On the front

USCIS Notices

In the upper corner or near the applicant’s name

Immigration court documents

At the top of the document.

This is a unique number assigned only to individuals with formal and permanent files in U.S. immigration agencies, such as:

• Permanent residents (Green Card holders).

• Refugees or asylees.

• Adjustment of status or work permit applicants.

• Individuals with open cases before immigration court.

On the other hand, temporary visitors such as tourists, students, or non-immigrant visa holders do not receive an A-Number since their cases do not require a permanent immigration file.

Do you already have an ITIN in the United States? This article explains all the benefits of this identifier.

Why is the Alien Registration Number important in immigration procedures?

The A-Number is a central identifier used in multiple immigration procedures needed to regularize your status in the country.

Here are the most common uses of the A-Number in immigration processes.

Tracking immigration cases (USCIS Case Status)

If you want to track the status of your pending applications, such as permanent residence, work permit, or adjustment of status, you need to enter your A-Number in the USCIS Case Status system.

This way, you can know exactly which stage your case is in and stay informed of updates to ensure your process stays on track.

Updating personal information

It’s essential to keep your immigration records updated. If you change your address, phone number, or legal name, your A-Number will help you update your information.

This helps ensure you receive official notifications and avoid delays in important procedures.

Avoiding mistakes in immigration processes

Since the A-Number functions as a unique identifier, it also helps avoid confusion between applicants with the same or similar names.

Be sure to use your A-Number correctly when filling out forms or official documents so that all your information stays under the same file and saves time when searching for a document or specific information.

In short, this number helps simplify the immigration process for immigrants and provides a sense of security and control during procedures that can often cause stress and uncertainty.

What to do if you don’t have or don’t remember your A-Number

If you don’t have an A-Number, remember that USCIS assigns one once you start an immigration process in the United States. If you already have one but can’t remember it, follow these tips to locate it.

• Check your official documents, such as your Green Card, work permit, or any forms submitted to USCIS.

• Log in to your USCIS online account and check the “manage your case” section.

• Call the USCIS Contact Center at 1-800-375-5283, explain that you can’t find your A-Number, and ask for assistance locating it.

Avoid using a fake A-Number, as this could cause problems with immigration authorities.

Organize your immigration life while managing your finances with Comun

As you can see, the A-Number is essential to staying organized during immigration procedures. It helps keep your documents together in one file, making them easier to locate and reducing the risk of delays caused by mistakes.

Another important aspect of immigrant life in the U.S. is having the right tools to keep personal finances organized.

Meet Comun, the platform designed to help immigrants manage their finances with ease.

Here are some of the benefits Comun offers:

• Open an account with a qualifying official identification from your home country.

• Send money to several countries with clear and competitive fees, up to the applicable limits.

• Access support in both Spanish and English.

Want to discover a truly fair and accessible financial service? Open your Comun account today!

Just as your A-Number helps you keep your immigration documents organized, Comun helps you maintain your financial stability in the United States.

Frequently Asked Questions (FAQ)

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

What is the USCIS number? Is it the same as the A-Number?

The USCIS number appears on your permanent resident card or work permit. It’s actually the same identifier as your A-Number, which appears on these documents preceded by “USCIS#.”

What is the Alien Number?

The Alien Registration Number is the official name for the A-Number assigned by DHS or USCIS to individuals who are not U.S. citizens, allowing them to track their immigration process through a unique file.

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Sending Money to Latin America? What You Need to Know About the New 1% Tax

If you send money home to Mexico, Guatemala, Colombia, El Salvador, Honduras, or anywhere else in Latin America, a new federal law may affect the fees you pay per money transfer, depending on how you send it.

On July 4, 2025, the United States enacted the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, which introduced a new federal excise tax on certain international money transfers. The tax, set at 1% of the transfer amount, applies to remittances made on or after January 1, 2026. However, not all transfers are taxable.

If you send money from a US bank account or using a US-issued debit or credit card, your transfer is exempt from the tax by statute. The tax applies only when you pay with cash, a money order, a cashier's check, or a similar physical instrument.

Understanding whether this tax applies to you and how it may affect your transfers can help you send money home with fewer surprises.

What Is the New 1% Remittance Tax?

It imposes a 1% federal excise tax on certain outbound remittance transfers, meaning money sent from a sender in the United States to a recipient in a foreign country, through a remittance service provider.

The tax is codified under IRC Section 4475, added to the Internal Revenue Code by Section 70604 of the OBBBA. It applies to all senders, regardless of citizenship or immigration status.

The tax was effective for transfers made after December 31, 2025, with collection beginning January 1, 2026.

Who Pays the Tax? Who Doesn't?

The key factor is how you fund the transfer, not how much you send, not where it goes, and not your immigration or citizenship status.

This means that if you often send money back home with a remittance service provider with physical locations (for example Western Union or MoneyGram) and pay with cash, a 1% tax will be added to your total transfer amount.

However, if you send money through a digital app or bank account linked to your US checking or savings account, or pay with a US-issued debit or credit card, the transfer is exempt from the tax under Section 4475.

How Is the Tax Collected?

The tax is collected at the point of transfer. When a taxable transaction occurs, the remittance transfer provider is responsible for collecting the 1% from the sender at the time the transfer is made.

Providers must then deposit the collected taxes with the IRS on a semimonthly schedule and file quarterly returns.

The Remittance Landscape in 2026

For millions of families across Latin America, the money that arrives from a relative in the United States can pay the rent, cover school fees, or put food on the table. In 2024, Latin America and the Caribbean received an estimated $161 billion in remittances, the vast majority sent from the US. Mexico alone received over $63.3 billion. In countries like El Salvador, Guatemala, Nicaragua, and Honduras, remittances represent between 19% and 26% of GDP.

For people already stretching every dollar between their own expenses in the US and the needs of family back home, an additional cost on each transfer can have an impact. How much it affects you depends largely on the tools available to you.

Cash agent networks (Western Union, MoneyGram, Intermex):

These are the traditional in-person options, often used by senders who mostly manage cash. Transfers funded with cash at these locations are subject to the 1% tax.

Digital apps (Remitly, Wise, Xoom, Común, and others):

These platforms typically process transfers from a linked US bank account or US-issued debit or credit card. These payment methods are exempt from the tax under Section 4475. However, fees and exchange rate margins may vary by provider.

Bank wire transfers:

Transfers sent directly from a US bank account at a Bank Secrecy Act–compliant institution are exempt from the tax by statute. Bank wire fees can be higher than digital app fees.

What This Means for You

If you send money home regularly, you already know that there are costs involved: transfer fees, exchange rate margins, sometimes a fee on the receiving end. Now, depending on how you send money, there may also be a new 1% federal tax. That may not sound like much in isolation, but if you're someone already careful about managing what to keep and what to send, it can add up.

There is no single right answer for everyone. Some people that have a US bank account can shift to a digital transfer method. Others who don't have that option yet, or may have reasons for continuing to send through an agent location. Whatever your situation is, a few things may help:

Know what you're being charged:

Before confirming any transfer, you should be able to see the fee, the exchange rate, any applicable taxes, and the exact amount your family will receive. Review everything before you hit send. Some service providers, like Común, offer in-app tools to help you calculate the costs before sending anything.

Compare the total cost:

A provider that charges no transfer fee but offers a weaker exchange rate can potentially cost more than one with a modest flat fee and a fair rate. The number that matters is what arrives on the other end.

If you have a US bank account or debit card, ask your provider about your options:

Transfers funded from a US bank account or US-issued debit or credit card are exempt from the tax under the current statute.

Ask your provider directly how they handle the tax:

Some providers may have updated their apps, websites, or agent instructions. If you're sending via a digital channel linked to your US bank account or debit or credit card, ask whether that payment method qualifies for the statutory exemption.

Manage your remittances confidently with Común

Having an account to receive electronic payments, track your spending, and send money directly may help make managing your financial life in the U.S. more convenient. Común accepts more than 100 valid Latin American IDs to open a debit account. With Común you get:

• A $2.99 flat fee per remittance transfer, with no hidden charges
• A checking account held at Community Federal Savings Bank, Member FDIC. Deposits are FDIC insured up to the applicable limits
• Transparent, in-app pricing where you can see exactly what each transfer will cost, including fees and the exchange rate, before you confirm
• 24/7 customer support in Spanish
• Cash pickup options for your recipient
• The ability to send transfers from the comfort of your phone

To learn more about Común's remittance services, visit comun.app/remittances.

FAQ

What is the new 1% Remittance Tax?

It is a federal excise tax introduced by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, codified as IRC Section 4475. It imposes a 1% tax on certain outbound money transfers from the United States to recipients in foreign countries. It applies only to transfers funded with cash, money orders, cashier's checks, or similar physical instruments.

When does the new remittance tax take effect?

The tax applies to remittance transfers made on or after January 1, 2026. It was signed into law on July 4, 2025, as part of the OBBBA. The IRS granted penalty relief to providers for the first three quarters of 2026, with full enforcement expected beginning Q4 2026.

Who has to pay the 1% tax?

The tax is owed by the sender, but it is collected and remitted to the IRS by the remittance transfer provider at the time of the transfer. It applies to all senders, regardless of citizenship or immigration status.

Are all money transfers from the US subject to the new tax?

No. The tax applies only to transfers funded with cash or physical instruments. Transfers funded from a US bank account at a Bank Secrecy Act–compliant institution, or paid with a US-issued debit or credit card, are exempt from the tax by statute.

How is the tax collected?

The remittance transfer provider collects the 1% tax from the sender at the time of transfer. Providers must deposit collected taxes with the IRS on a semimonthly schedule and file quarterly returns using Form 720.

How can I tell if my transfer is taxable?

It depends on how you're funding the transfer. If you are paying with cash, a money order, or a cashier's check at a remittance agent, the 1% tax likely applies. If you are sending money through a digital app or bank account using your US checking account or a US-issued debit or credit card, the transfer may be exempt under the current statute. Ask your provider directly to confirm how your specific payment method is classified.

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Basic requirements to file taxes for the first time in the United States

Although getting a job in the United States brings a series of benefits for the quality of life of immigrants and their families, it also means committing to fulfilling the obligations required by the country's laws.

Filing a tax return is one of the processes everyone who has earned income must complete. This is done by submitting a report of annual income to the Internal Revenue Service (IRS).

Filing a tax return is particularly important for everyone, as it opens the door to access financial services such as mortgage and  personal loans, which in turn help build a financial record especially for immigrants.

Filing taxes is a stressful and often confusing process for most people, especially when it involves understanding the tax institutions of another country.

Below, we show you a step-by-step guide to help you fulfill your tax obligations in the U.S. and access the benefits that come with it, such as receiving refunds and building a financial record in the country.

What documents do you need to file your taxes?

The first thing you should know to file your tax return in the U.S. is the documentation required by the IRS to process your information.

Make sure you have the following documents:

• Tax Identification Number: if you do not have a Social Security Number (SSN), you must apply for an Individual Taxpayer Identification Number (ITIN).

• Qualifying official identification from your home country: valid passport, driver’s license, or any official document that verifies your identity.

• Proof of income: W-2 forms if you are a salaried employee and your employer withholds taxes, and Form 1099 if you are self-employed.

• Proof of address in the United States: utility bill or rental agreement.

• Financial information: checking account and routing number to receive your refund through direct deposit, if any.

Tax preparation: step by step for your first filing

It is important to stay alert during tax season and prepare in advance to meet the deadlines established by law.

Follow these steps to ease the stress of tax obligations.

Step 1. Gather all your documents

The first step is to gather all the necessary documents to file your annual tax return.

• Form W-2: this document details your salary and the amount of taxes already withheld; request it directly from your employer.

• Form 1099: used by people who work independently.

• Benefit or assistance letters: if you receive any government benefit or tax credit, the IRS sends letters to include in your tax return.

Step 2. Choose how to file

Once you have your documentation in order, you must decide how you will file your return: on your own or with professional help.

• Self-prepared tax filing: you can use various IRS-approved tax preparation software such as IRS Free File, TaxSlayer, or TurboTax, which simplify the process by automatically calculating your taxes.

• With the help of a tax preparer, if you have multiple income sources or are self-employed, the best option is to hire an authorized preparer to ensure everything is filed correctly. You can also go to a community organization that offers low-cost assistance.

Step 3. File your tax return in the United States on time

Keep in mind that the deadline to file your tax return is usually April 15 each year. It is essential to submit your tax return within the deadline to avoid penalties and delays in receiving your refund.

How much does it cost to file taxes, and which option is best for you?

As mentioned before, there are different ways to file your tax return, which vary in cost and level of support offered. The best option depends on several factors, such as your income level and how familiar you are with tax topics.

Below is a comparative table of the different ways to file taxes in the United States.

Method

Approximate cost

Level of support

Doing it yourself with IRS-approved software

Free or up to $25

Low. Although the platform guides you step by step, you must enter all the information yourself.

With the support of community organizations

Free or up to $50

Medium. You receive assistance from certified volunteers.

With private preparers or accountants

$150 to $500, depending on complexity

High. The preparer does all the work and answers your questions.

Practical tips to avoid mistakes in your first tax filing

If this is your first time filing taxes in the United States, it may seem like a very complex task. Keep these tips in mind to ease the stress associated with the process.

• Don’t wait until the last minute to file: keep the deadline in mind and prepare several weeks in advance.

• Verify that all forms match your income: remember that the required form depends on your type of work. Make sure your income matches what you report.

• Keep copies of all submitted documents: create both a physical and digital file to have every record handy.

• Check official IRS resources for immigrants: always access official websites ending in .gov.

• Avoid relying on third parties that promise higher refunds: remember that tax preparers or community organizations must be certified by the IRS to ensure your filing is done properly and your personal data remains secure.

Común, your financial support after filing your taxes

We’ve shown that the tax filing process is not as complicated as it seems. Now you know which steps to take and which method to use based on your situation.

Just as filing taxes helps you organize your financial situation, Común helps you manage your day-to-day finances.

Discover all the benefits of Común!

• Open a checking account with a qualifying official identification from your home country.

• Mobile app available in Spanish and English, specially designed for the immigrant community.

• Ability to receive your tax refund directly into your account.

• Debit card for daily expenses and international money transfers to Latin America.

Discover Común, the option dedicated to serving the needs of immigrant communities in the United States, with support available in Spanish.

Frequently Asked Questions (FAQ)

If you still have questions, check this section.

What happens if I don’t file my taxes in the U.S.?

Not filing your tax return may result in IRS penalties, accumulated interest, and withheld future refunds.

Can I file taxes without a Social Security Number?

If you do not have a Social Security Number, you can apply for an ITIN.

Is it better to file my taxes myself or with a tax preparer?

It depends on your situation: if you have only one source of income, you can use software, but if your income is higher or more complex, the best option is to consult a professional.

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Websites for finding jobs in the USA (2026 guide for immigrant workers)

An essential guide for finding a job in the USA. The search for a job in a new country can be a challenge, many processes may feel new or unfamiliar. However, in 2026 there are plenty of online resources to help with the process, one of the most commonly used resources is online job platforms. For many Spanish-speaking employment seekers in the USA whether recently arrived or supporting a family, there are employment opportunities available, the key is to know where to find them.

To help with the search, we have created a guide designed as a practical, curated overview of the most relevant websites for finding jobs in the United States. We hope to provide useful context on which platform works best depending on your situation.

The 10 best websites for finding jobs in the USA

1. Indeed

A practical starting point

Among all job platforms in the United States, Indeed continues to be the most widely used, especially for people looking for entry level or widely available opportunities. Its main advantage is volume. It gathers thousands of listings across industries from restaurants, warehouses, cleaning services, retail, to customer service. The platform allows users to apply for many positions directly through the app or website.

However, this same ease of use means competition is high. Users of the platform have reported that, for better chances of success, it is important to apply early and consistently.

Available in Spanish?

Indeed is fully available in Spanish, it is one of the most complete Spanish experiences among all websites for finding jobs in the USA.

2. LinkedIn

For professional and office roles

LinkedIn is more about building a professional presence. Therefore it is very important to have a well structured profile with recommendations and references to all previous experiences to attract potential opportunities.

This platform is commonly used for roles in administration, marketing, finance, and technology. The platform is generally more focused on professional and corporate roles than hourly positions. It is also important to consider that finding a job through it tends to take some time.

Available in Spanish?

LinkedIn is partially available in Spanish. It allows you to change the interface to Spanish, including menus and profile sections. However, most job postings in the USA and recruiter interactions are still primarily in English.

3. Glassdoor

For researching companies

Glassdoor is not just a job board; it is a decision-making tool. While it does include job listings, its real value lies in the information it provides about companies. Users can see salary ranges, employee reviews, and even details about the interview process.

For someone unfamiliar with the U.S. labor market, this can be helpful when evaluating workplace conditions and company culture and help identify companies with better working conditions. Many job seekers use Glassdoor alongside other job search websites in English and Spanish to confirm whether a job is worth pursuing before applying.

Available in Spanish?

Glassdoor is partially available in Spanish. It offers some Spanish interface options and content, but the experience is mixed. The reviews and salary data are often in English, depending on the company. It is still useful, but not fully localized.

4. ZipRecruiter

Faster matching with less effort

ZipRecruiter focuses on simplifying the job search by using technology to match candidates with relevant opportunities. Instead of spending hours browsing, users receive recommendations based on their profile, and in some cases, some employers may contact candidates directly.

This approach is particularly helpful for candidates with some work experience who want to save time and avoid repetitive applications. It reflects how job platforms in the United States are evolving toward more automated and personalized systems.

Available in Spanish?

ZipRecruiter is mostly in English. It is primarily an English-language platform.

5. SimplyHired

Useful for understanding salaries

SimplyHired plays a valuable supporting role. It aggregates listings from multiple sources and provides salary estimates that help job seekers understand what a position typically pays.

For newcomers trying to navigate where to find work in the USA, this information is especially useful. It helps with comparing offers and may help job seekers better understand local ranges.

Available in Spanish?

SimplyHired is partially available in Spanish. It has some Spanish interface support and localized search options. However, like other platforms, many listings remain in English.

6. USAJobs

The official path to government work

USAJobs is the official federal employment portal. It offers access to government positions, which are known for stability, structured hiring processes, and strong benefits.

However, it is important to be realistic about accessibility. Most roles require legal residency or U.S. citizenship, which may limit eligibility for some applicants.

Available in Spanish?

USAJobs offers limited Spanish support. It is mainly in English, as it is the official government portal.

7. FlexJobs

A path to find remote work

As remote work continues to grow, FlexJobs has become one of the most reliable platforms in this space. Unlike larger job boards, it focuses on curated listings, which may help reduce exposure to fraudulent or low-quality listings.

This makes it particularly useful for people looking for flexibility, whether they are freelancers, parents, or simply prefer not to work in a traditional office setting. In the context of websites for finding jobs in the USA, it stands out for prioritizing quality over quantity.

Available in Spanish?

FlexJobs operates almost entirely in English.

8. Upwork

A practical option for remote income

Upwork allows users to work as independent contractors, offering services in areas such as writing, programming, design, and digital marketing. It has become one of the most relevant platforms for remote work, especially as companies increasingly hire global talent.

While it requires time to build a profile and reputation, some users use it to generate freelance or supplemental income and open doors to long-term clients. It is particularly useful for people with digital skills who are looking for flexibility.

Available in Spanish?

Upwork offers a Spanish interface, which makes it more accessible than many remote platforms. However, most clients post jobs in English.

9. Fiverr

For turning skills into income

Fiverr offers a slightly different model from Upwork. Instead of applying to jobs, users create service listings and set their own prices, allowing clients to find them directly.

It is commonly used for creative work and as a source of side income, but it can also grow into a full-time opportunity. Within the broader landscape of job search websites in English and Spanish, Fiverr stands out for its flexibility and accessibility.

Available in Spanish?

Fiverr also supports Spanish in its interface. Since you create your own service listings, you can write them in Spanish, English, or both, which gives you flexibility depending on your target clients.

10. The Muse

A more curated, culture-focused option

The Muse is smaller than other platforms but offers a more curated experience. It focuses on companies that prioritize workplace culture and transparency, giving candidates a clearer idea of what to expect.

This makes it particularly appealing for younger professionals or those looking for a better long-term fit rather than just immediate employment. While it may not be the first stop for most job seekers, it can be a valuable complement to larger platforms.

Available in Spanish?

The Muse is primarily an English-language platform with no full Spanish interface.

Choosing the right platform for your situation

These platforms are useful within their unique context, the key to making the most out of them is understanding what they offer and how they fit in your situation. Someone looking for quick, entry-level work will likely benefit most from Indeed, while a candidate pursuing a long-term professional career should prioritize LinkedIn. Those interested in flexibility or remote income may find better results through FlexJobs, Upwork, or Fiverr, while individuals seeking long-term stability may consider USAJobs if they meet the requirements.

In practice, the most effective strategy is not to rely on a single platform. Combining two or three of these tools creates a more balanced approach and may improve job search efficiency.

How to apply without an SSN or with an ITIN

When exploring websites for finding jobs in the USA, one practical question often comes up early in the process: what happens if you don't yet have a Social Security Number (SSN)? In most formal employment situations, an SSN is required because employers use it for payroll and tax reporting. However, during the application stage, many platforms still allow you to apply without entering one.

If you already have legal work authorization but are waiting for your SSN, you can:

• Typically move forward in the hiring process, if the employer allows, and provide the number later
• In some cases, employers may accept an Individual Taxpayer Identification Number (ITIN) for tax purposes (although it does not replace work authorization)

The key distinction is that an ITIN allows you to comply with tax obligations, but it does not grant permission to work.

Requirements can vary depending on the employer and the type of role, therefore it is important to confirm what documentation will be needed once you move forward in the hiring process.

Tips for preparing your application

Using the right job platforms in the United States is the first part of the process. How you present yourself still plays a major role in whether you get a response.

• A strong resume should be clear, concise, and tailored to the type of job you are applying for
• In the U.S., resumes are typically one page and focus on skills and results rather than long descriptions
• Adjusting your resume to include keywords from the job description may help resumes align with automated application systems used by some employers

When it comes to interviews, preparation is just as important:

• Employers often expect candidates to explain their experience clearly and give examples of past work
• If you are not fluent in English, practicing common questions in advance can help you feel more confident

Applying regularly, following up when appropriate, and staying organized throughout the process may help improve consistency throughout the job search.

After you get the job: getting paid

Once you are successful and you find work in the United States, it is important to know how and where you are getting paid. Most employers rely on direct deposits, which requires access to a U.S. bank account. For many immigrants, this can be a challenge. Some financial institutions and fintech platforms offer products designed for individuals who may have limited access to traditional banking services. From traditional banks to digital platforms it's important to learn about their requirements and their offers. For example, with Común you can open a debit account using a passport or more than 100 valid Latin American IDs and Común's app is available in Spanish.

Frequently Asked Questions

Do I need a work permit to work in the United States?

Yes. To work legally in the U.S., you must have valid work authorization. This typically comes in the form of a work permit (Employment Authorization Document, or EAD) or a visa that allows employment.

What types of work permits are available for immigrants?

There are several common pathways depending on your situation. Temporary work visas like the H-2A (agricultural work) and H-2B (seasonal non-agricultural work) are frequently used. Professional visas such as the H-1B apply to specialized roles, while other options like TPS (Temporary Protected Status) or asylum-based work permits may apply depending on your country of origin and circumstances.

Each option has specific requirements, so it is important to verify eligibility with the official authorities.

Can I work in the United States if I don't speak English?

Yes, it is possible. Many jobs, especially in construction, cleaning, manufacturing, agriculture, and restaurants do not require advanced English. In cities with large Latino populations, it is common to find Spanish-speaking work environments.

However, improving your English can significantly expand your opportunities and increase your earning potential over time.

What are employment agencies?

Employment agencies, also known as staffing agencies, act as intermediaries between companies and job seekers. They help match candidates with available positions, often for temporary, seasonal, or entry-level roles.

For many newly arrived immigrants, these agencies may help some job seekers connect with available opportunities, especially if someone does not yet have a strong professional network in the United States.

Final thoughts

The key to navigating the U.S. job market in 2026 is not just knowing the websites for finding jobs in the USA, but understanding how to use them strategically. Each platform serves a different purpose, and choosing the right one may help better organize search and identify opportunities aligned with goals and experience. We wish you the best of luck in your job seeking process!

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The total cost may depend on three main factors: the transfer fee, the exchange rate used to convert USD to Guatemalan quetzales (GTQ), and any charges applied when the recipient receives the money. The total cost can vary from one transfer to another, depending on the provider and delivery method.

For many Guatemalans living in the United States, sending money back home is important. Some people support their families by covering everyday expenses or helping during emergencies. According to the World Bank, Guatemala is the second-largest recipient of remittances in the Latin America and Caribbean region, after Mexico. Remittances play a vital role in supporting rural communities in Guatemala, which receive over half of total flows.

Today, there are many ways to send money to Guatemala from the United States, including banks, cash pickup services, and apps and digital platforms. Comparing costs, delivery times, and exchange rates before sending can help your family receive more money overall.

How much money can you send to Guatemala?

The amount you can send to Guatemala may depend on the provider you choose, your account verification level, and the payment method used for the transfer.

In general, there is no single universal limit imposed on personal remittances from the United States. However, money transfer companies and financial institutions usually apply their own transfer limits as part of fraud prevention and regulatory compliance requirements.

For example:

• Some providers may limit new accounts to smaller daily or monthly transfers.
• Verified users may qualify for higher transfer limits.
• Cash-based transfers sometimes have different limits than bank transfers.
• Certain services may request additional identification for larger transactions.

Before sending money, it is recommended to review the provider’s limits, accepted identification documents, and delivery methods available in Guatemala.

What determines the real cost of sending money to Guatemala?

The real cost of sending money to Guatemala may depend on three main factors:

Transfer fee

The transfer fee is the amount charged to process the remittance.

Some services use a flat fee structure, while others may adjust the pricing depending on the amount sent, payment method, or delivery speed. Some service providers may also offer promotional pricing for first-time transfers.

Although low fees can help reduce costs, they may not always represent the lowest total transfer cost once exchange rates and other charges are considered.

Exchange rate spread (USD to GTQ)

Another important factor is the exchange rate used to convert U.S. dollars into Guatemalan quetzales.

Some providers may apply a margin (also known as a spread) on top of the market exchange rate. Even small differences in the USD to GTQ conversion rate can affect how many quetzales your family receives, especially on larger transfers.

Comparing the final amount received in GTQ may provide a more accurate picture of the total transfer cost.

Recipient charges or withdrawal costs

In some cases, the recipient may face additional costs when receiving the money. These depend on the provider and delivery method.

There could be charges related to ATM withdrawals, cash pickup locations, bank processing, or currency conversion. These costs may vary depending on the institution or pickup network used in Guatemala.

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

The best way depends on your context and priorities. Today, there are many ways to send money to Guatemala from the United States, with different service providers offering features such as faster delivery times, multiple delivery methods, or lower overall transfer costs depending on the type of transaction.

Traditional banks

Some people choose to send money through traditional bank wire transfers. This option is available for people who already use a U.S. bank account.

However, international bank transfers can sometimes involve higher fees, slower processing times, special considerations such as banks in the U.S. generally being closed for federal holidays or additional requirements such as SWIFT codes and recipient banking information.

Cash transfer agencies

Cash pickup services continue to play an important role for many families in Guatemala, especially for recipients who primarily manage their finances in cash or who may not have easy access to traditional banking services.

Companies such as Western Union, MoneyGram, and Ria Money Transfer can offer extensive pickup networks across Guatemala through local banks, convenience stores, supermarkets, and remittance partners.

This option can be convenient for recipients who prefer immediate access to cash, although some traditional cash transfer services may involve higher fees or exchange rates that are less favorable compared to other options.

Digital apps and platforms

Another option is using apps and digital platforms specialized in international transfers.

Services such as Común, Félix Pago, Ria Money Transfer, and MoneyGram offer options to send money directly from your phone, either through an app or even WhatsApp. These services often include multiple delivery options available in Guatemala.

While some of these service providers focus mainly on remittances, others may also include features such as debit cards, mobile banking access, or account management tools. For example, Común (https://www.comun.app) offers a debit card that accepts more than 100 Latin American IDs for account verification, it also offers the option to send money on the app or using WhatsApp, and offers cash pickup options in Guatemala.

Comparing services for sending money to Guatemala

There are services available for sending money to Guatemala, but the fees, exchange rates, transfer speeds, and delivery methods can vary depending on the provider and transfer type. This table was created to provide a visual aid for comparing 5 popular remittance service providers in the United States to Guatemala.

The total amount received in GTQ is subject to change throughout the day due to exchange rate fluctuations, provider fees, and delivery methods.

To compare real-time transfer costs and exchange rates, you can use tools such as Común Compara (https://www.comun.app/compara) designed to help you have more clarity on remittance costs. If applicable, you may see a "Primer envío" toggle that reflects promotional pricing for eligible first transfers.

How does the recipient receive money in Guatemala?

It depends on the provider selected, as recipients in Guatemala can receive money through different delivery methods.

Bank deposit

Some service providers offer direct deposits into Guatemalan bank accounts in quetzales. The delivery speed can vary depending on the receiving bank and transfer verification process.

Cash pickup

Depending on the provider and the recipient's location, they can collect money from local banks, remittance agencies, supermarkets, or retail stores.

To receive the money, recipients often require a valid identification document and the transfer reference number.

Delivery times

Transfer times can vary depending on the provider, payment method, verification requirements, holidays, and delivery option selected.

Some digital transfers can arrive within minutes, while bank transfers or certain cash pickup options could take longer.

How can I send money to Guatemala with Común?

With Común, people can send money to Guatemala directly from the mobile app. To send money, you can follow the steps:

• Open your Común mobile app.
• Select "Send a Remittance."
• Choose or register the recipient.
• Enter the recipient's information, including bank details if needed.
• After registering the recipient, enter the amount you want to send.
• Review the exchange rate, transfer fee, and delivery method.
• Confirm 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.

Why choose Común to send money to Guatemala?

Común’s vision is to become the leading financial platform for immigrants in the U.S. Therefore, it can include elements that are helpful for people sending money to Guatemala from the United States.

Some of the services include:

• Acceptance of more than 100 Latin American IDs for verification.
• Spanish-language app experience.
• Ability to send money directly from the app or WhatsApp.
• Multiple delivery methods available in Guatemala.

As with any financial service, transfer costs, delivery speeds, and availability may vary depending on the transaction details. You can learn more about Común on our website (https://www.comun.app/about-us) or in the app (https://www.comun.app/).

FAQ

How much does it cost to send money to Guatemala?

The total cost may depend on the provider, transfer fee, exchange rate, delivery method, and whether the recipient faces additional charges.

How long does it take for money to arrive in Guatemala?

Transfer times can vary depending on the provider and delivery method selected. Some digital transfers may arrive within minutes, while others could take several business days.

What is the best app to send money to Guatemala?

The best app may depend on what matters most to you, whether that's lower fees, exchange rates, delivery speed, or cash pickup availability.

Do I need an SSN to send money to Guatemala?

Some providers may require an SSN, while others may also accept an ITIN or alternative identification documents depending on their verification policies. It is important to check each service provider’s verification requirements.

How much money can you send to Guatemala from the United States?

Transfer limits may vary depending on the provider, payment method, and verification level.

Where can my family receive money in Guatemala?

Depending on the provider, recipients may receive money through bank deposits, cash pickup locations, mobile wallets, or other delivery methods available in Guatemala.

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