Living in the United States

Father's Day in the United States and Latin America: When it's celebrated and how to send money?

When is Father's Day in each country? Complete guide with dates for the U.S., Mexico, and Latin America in 2026, gift ideas, and how to send money.

8 min read

Father's Day in the United States and Latin America

When is Father's Day? In the United States, Father's Day in 2026 falls on June 21, the third Sunday of June. However, if your dad lives in Mexico, Guatemala, Honduras, or other countries across Latin America, his day might land on a completely different date. This guide provides an overview of Father's Day dates across the United States and Latin America so you can plan ahead and stay connected with family members abroad.

One holiday, many dates

Father's Day is an important occasion for many families across the continent. Yet, not every country celebrates Father's Day on the same fixed dates. In the US and most of Latin America, it falls on the third Sunday of June. However, Honduras celebrates it on March 19, Guatemala and El Salvador on June 17, and the Dominican Republic on the last Sunday of July.

If your family is spread across countries, it's easy to lose track. Here's a full breakdown so you have everything in one place.

When is Father's Day in each Latin American country and the US? (2026)

Date	Countries	2026 Calendar date
Third Sunday of June	United States, Mexico, Colombia, Venezuela, Peru, Chile, Argentina, Costa Rica, Panama, Paraguay, Puerto Rico	June 21
Second Sunday of June	Ecuador	June 14
Second Sunday of July	Uruguay	July 12
Last Sunday of July	Dominican Republic	July 26
Second Sunday of August	Brazil	August 9
June 17 (fixed)	Guatemala, El Salvador	June 17
June 23 (fixed)	Nicaragua	June 23
March 19 (fixed)	Honduras, Bolivia	March 19

You can save this table and share it with your family group chat!

When's Father's Day in the United States?

In the US, Father's Day is celebrated on the third Sunday of June. In 2026, that's June 21.

The tradition dates back to the early 1900s, when Sonora Smart Dodd advocated to recognize fathers after being raised by a single dad. Over time, it became a national celebration of fatherhood and family.

Today, Father's Day in the US is a major occasion. Families gather for backyard barbecues, attend church services, catch a game together, or simply spend time at home. Restaurants fill up for Sunday brunch. Gift cards, tools, grilling accessories, and heartfelt cards dominate store shelves the week before.

For many immigrant families in the US, Father's Day can also carry some emotional weight. Many fathers are in the U.S. working thousands of miles away from their own fathers back home, building a future for their children. On an occasion like this, distance can feel heavy and a phone call becomes more than a call. For many families sending money back home becomes more than a transaction.

Father's Day in Mexico

Mexico celebrates on the same date as the US, the third Sunday of June; in 2026, the holiday falls on June 21. While it is not an official public holiday, it is widely celebrated.

In Mexico, Father's Day traditions are rooted in family. Mothers and children often wake up early to prepare a special breakfast, from chilaquiles, tamales to whatever papá loves the most. Schools hold events in the days leading up to it, where children make gifts and perform songs. The whole family tends to gather for a long lunch or dinner, and it's common for the celebration to include music, toasts, and storytelling that lasts well into the evening.

If your father is in Mexico and you're in the US, June 21 in 2026 is your shared moment. A video call during the family meal means you're at the table even when you can't be.

Father's Day in Central America

Father's Day dates vary throughout Central America.

Guatemala and El Salvador both celebrate on June 17. This is rare as it is a fixed date not tied to a Sunday. Families tend to celebrate in two ways: a smaller, symbolic recognition on June 17 itself (calls, gifts, meals), and a larger gathering on the nearest weekend if needed.

Nicaragua celebrates on June 23, also a fixed date. This year, it falls just two days after the US date, but those two days are important if you're planning to make a call or even a money transfer.

Honduras is an exception in the region, as Father's Day there is celebrated on March 19, the feast day of Saint Joseph. This Catholic tradition, also observed in Spain, Bolivia, and parts of Europe, associates fatherhood with the figure of Joseph as a protector and provider. If your father is in Honduras, it's worth keeping in mind that his day comes in the spring, not the summer.

Father's Day in South America

Colombia, Venezuela, Peru, Chile, and Argentina all celebrate Father's Day on the third Sunday of June. In 2026 that would be on June 21. In Colombia, it is treated as a major family occasion, often centered around a long Sunday lunch with live music. Venezuela and Peru follow similar traditions of home gatherings and special meals. Children participate by preparing performances, arts and crafts.

Ecuador is a slight variation: the celebration occurs on the second Sunday of June, which in 2026 falls on June 14, one week earlier than the US.

Father's Day in the Caribbean

The Dominican Republic is an exception in the region, celebrating on the last Sunday of July, which falls on July 26 in 2026. If your dad is from the Dominican Republic, it's important to remember that his special day is a full month after most of Latin America.

Gift ideas when your father is in another country

Distance doesn't change Father's Day, but it does change how you can show up. Not being there in person can feel difficult and sometimes you can struggle to find ways to show that you care. That can also feel like pressure, but what you do carries more intention, and that intention is what matters.

Call him, but plan it. Don't just dial and hope he's free. Coordinate with family members so that when you call, he is available. Some people even plan to call during the special celebration, as people are gathered, the meal is on the table and your face on the screen is part of the festivities
Send a voice message or video. A fun video showing him some parts of your life in the U.S. — your family, your city. A voice message with a special message that he can replay. These might feel like small efforts but when it comes from the heart and distance is involved they matter the most
A treat for the party. Sometimes paying for the whole meal on Father's Day or the live music or even the decorations can show that even if you're far you can still get involved. To make sure you can contribute you can always send a remittance to your family members who are organizing the celebration
Send money with meaning. While sending a remittance on Father's Day might feel familiar if you're supporting your family, the reality is that the context changes it. Choosing to send money on that specific day signals attention and care. It shows that you're present while you give your father the freedom to spend on what he needs or wants the most
Make it specific. A new pair of shoes, the gadget he's been talking about for weeks or tickets to something he enjoys. To make sure he can experience it, you can transfer the money directly to him or a family member if he loves a surprise

How to send money to your dad for Father's Day?

There are many service providers for remittances and international transfers, the choice is between how it will reach him and what it will cost you. The right option depends on your priorities whether that's speed, cost fees, and how your dad actually receives money where he lives.

Digital remittance services

Companies like Remitly, MoneyGram, Wise and Común are becoming a more common way for people in the U.S. to send money abroad.

They often offer:

Fast delivery options. Many transfers generally arrive the same day or within minutes, especially with debit card payments
Flexible deliveries. You can send it to a bank account, mobile wallet, or cash pickup depending on the country
Easy to use services. Sending a remittance from your phone without having to go to a location. Some apps are even built specifically for sending money internationally. For example, Común's app is available in Spanish

What to be mindful of?

Costs. The costs can either be presented with a fixed fee and/or a markup within the exchange rate. It is important to understand the costs of the selected services
Rates change constantly. Exchange rates are often changing and it's important to be considerate of those changes
Some might not offer cash pickup options. Remitly, MoneyGram and Común offer cash options that can change depending on the country where the money is sent. For example, Común offers cash options at Elektra and Oxxo in Mexico

Traditional bank transfers

This means sending a wire from your U.S. bank directly to your dad's bank account.

These transfers often offer:

Familiar banking infrastructure. Banks are regulated and familiar to many people
Higher transfer limits. They tend to offer higher limits for transfers than other digital services

What to be mindful of?

Costs. Fees for sending and receiving, as well as exchange rates can be less competitive than other service providers
Slower timing. Some transfers may take several business days
Limited flexibility. No cash pickup or alternative delivery methods

Cash pickup transfers

You can send money in person or online for cash pickup through services like Western Union or MoneyGram.

These may be useful for recipients who:

Prefer cash. This is useful if your dad prefers cash or doesn't have a bank account
Fast availability. Often available within minutes
Wide accessibility. Some companies have large networks with locations available in many countries

What to be mindful of?

Costs. Fees and exchange rates tend to be less favorable
Less transparent pricing. Harder to compare total cost upfront
Location considerations. Cash pickups rely on the locations being open and having sufficient cash on site

What to prioritize for a Father's Day remittance?

If timing is what matters the most. It could be worth considering a service with same-day delivery or cash pickup
If cost matters most. It is advisable to compare options, especially fixed fees and exchange rate markup within exchange rates
If convenience matters most. It might be more important to choose the option that requires less effort for your dad on his special day

Frequently Asked Questions

When is Father's Day in the United States in 2026?

June 21, 2026.

When is Father's Day in Mexico in 2026?

June 21, 2026.

When is Father's Day in Colombia in 2026?

June 21, 2026, same as the U.S.

When is Father's Day in Guatemala and El Salvador?

Both countries celebrate on June 17, a fixed date each year. In 2026, that's a Wednesday.

When is Father's Day in Honduras?

Honduras celebrates on March 19 each year.

Why does Father's Day fall on different dates in different countries?

Two main traditions shaped the holiday globally. The U.S. model, established in the early 20th century, set the third Sunday of June. Catholic countries in Europe and Latin America often tied the celebration to March 19, the day of Saint Joseph, considered the earthly father of Jesus and protector of fathers and workers. Countries adopted one tradition or the other, or in some cases chose their own fixed date entirely.

When is Father's Day in the Dominican Republic?

The last Sunday of July. In 2026, that's July 26.

When is Father's Day in Ecuador?

The second Sunday of June. In 2026, that falls on June 14.

Can I send money to my dad for Father's Day?

Yes. There are many financial institutions and remittance service providers in the US that offer many different options such as wires to cash pickups.

Will my remittance arrive to my father the same day?

It depends on how you send it, when you send it, and how your dad receives it. Same-day delivery is possible from the U.S., but it's not automatic. Check with your chosen service provider to understand the times and if there are fees for faster delivery.

Being there, even from far away

No matter where your dad is, Father's Day is about showing up in a way that reaches him. The date might change from country to country, and the way you celebrate might look different from what you grew up with, but the intention carries across borders. When you know when the day is, you can plan ahead, and support the celebration from wherever you are. If sending money is part of how you show up, Común offers different delivery options for remittances to México, Guatemala, Honduras, El Salvador, Nicaragua, Costa Rica, Panamá, Colombia, Ecuador, Perú, Chile, Brasil, Argentina, Bolivia, Uruguay, Paraguay, and Dominican Republic. Don't let distance get in the way of building long lasting memories with your loved ones.

Remittance service provided by Service UniTeller, Inc. Service UniTeller, Inc. is licensed in all states that require one. Común Inc. may earn revenue from foreign currency conversion.

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About Común

Común aims to support the Latino community in the United States. It offers a debit account that can be opened with more than 100 valid Latin American IDs and an app available in Spanish.

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Visit Común's website or download the app for free to learn more about the full offer and applicable terms.

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Olivia Rhye

Community Partner

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Instant payments

What is Cash App and how does it work?

8 min de lectura

What is Cash App and how does it work?

Cash App is a peer-to-peer (P2P) payment app that allows users in the United States and the United Kingdom to send and receive money digitally. Over time, Cash App has expanded beyond transfers and now also offers features such as debit cards, direct deposits, savings tools, and investing options.

If you recently moved to the United States or are exploring digital financial tools, you have probably heard of Cash App. The app is widely used for sending money between friends, paying for purchases, and managing certain financial activities directly from a smartphone.

For many immigrants in the United States, understanding how Cash App works is important because it may appear similar to a traditional bank account, but it is not exactly the same thing.

What is Cash App?

Cash App is a mobile financial app that allows users to send, receive, store, and spend money digitally through their phones. The app is commonly used for:

Sending money to friends or family
Receiving payments
Paying for purchases
Using a debit card linked to your balance
Receiving direct deposits
Buying stocks or Bitcoin

Unlike traditional banks, Cash App primarily operates through its mobile app rather than physical branches.

How does Cash App work?

To start using Cash App, you need to download the app, create an account with a U.S. phone number or email, and link a bank account or debit card. Once the account is set up, you can send or request money by searching for another person by their $Cashtag, phone number, email, or QR code.

Standard transfers typically arrive in 1 to 3 business days to a linked bank account. Instant transfers to a debit card usually carry a percentage-based fee.

How much does Cash App charge? — Fee table

Service	Typical Cost
Standard bank transfer (1–3 business days)	No additional fee
Instant transfer to debit card	Percentage-based fee
Sending money using linked credit card	Additional fee may apply
ATM withdrawals	Fee may apply depending on conditions
Account opening	No monthly fee

Fees and terms may change over time. Always review the official Cash App website before using financial services.

Is Cash App safe?

Cash App uses encryption and security features like Face ID and Touch ID. However, like any P2P payment platform, it is important to use it only with people you know. Once sent, money generally cannot be recovered if the transaction went to the wrong person.

Is Cash App available in Spanish?

Spanish-language support availability on Cash App may vary. The app's primary experience is mainly in English, which can be a limitation for users who prefer to operate in Spanish.

Can an immigrant open a Cash App account?

Cash App has its own eligibility requirements for account opening. Requirements may include a U.S. phone number or email address, and additional verification information may be required. It is recommended to review Cash App's current terms directly.

Limitations of Cash App for Latino immigrants

Does not support international remittances to Latin America
Spanish-language experience may be limited
May not accept Latin American IDs for account opening
No dedicated 24/7 Spanish-language support

Cash App vs. Común — Quick comparison

Feature	Cash App	Común
P2P payments in the U.S.	Yes	Yes
Debit card	Yes	Yes
Stock and Bitcoin investing	Yes	No
Remittances to Latin America	No	Yes
Spanish-language experience	Spanish-language support availability varies	Yes
Payroll direct deposit	Yes	Yes
Open account with Latin American IDs	Eligibility requirements apply	Yes
Monthly maintenance fee	Varies by service usage	No monthly maintenance commission
Minimum balance requirement	Not always required	$0

FAQ

Is Cash App available in Spanish?

The app primarily operates in English. Spanish-language support availability may vary.

Can I send money to Mexico with Cash App?

No. Cash App does not support international money transfers to Mexico or other Latin American countries.

How much does Cash App charge for instant transfers?

Cash App charges a percentage-based fee for instant transfers to a debit card. Verify current fees on the official Cash App website.

Is Cash App safe?

Cash App uses encryption and identity verification. However, P2P transfers are difficult to reverse. Use it only with people you know and trust.

What is the difference between Cash App and Común?

Cash App focuses on domestic payments in the U.S. Común also offers domestic payments but additionally includes remittances to Latin America, full Spanish-language support, and the ability to open an account with more than 100 Latin American IDs.

Común is a financial technology company and not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Peer-to-peer payments services are provided by Cross River Bank. No minimums, no monthly maintenance commission.

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Living in the United States

Cashier’s Checks in the U.S.: Costs, Impact on Latinos, and Free Alternatives

8 min de lectura

In the United States, a common way to receive payments is through checks. However, cashing a check can be costly, especially for Latinos and other communities with less access to banking.

Why is it so expensive to cash checks in the United States?

Without a bank account, people must turn to check-cashing stores that charge between 1% and 3% of the check amount. For a $1,000 check, that means $10-30 lost on each cash-out. Banks may also charge fees for depositing checks from other banks.

Why do Latinos disproportionately bear these costs?

Latino communities have less access to banking services because of barriers such as SSN requirements, language, and unfamiliarity with the system. Without a bank account, they are more likely to use check-cashing stores located in low-income areas that charge high fees.

Solutions for cashing checks at no cost

The best solution is to open a bank account. Común is a Spanish-language digital bank that allows you to open an account without an SSN using a passport or consular ID card. Once opened, you can deposit checks for free from the app using mobile deposit. There are also nonprofit organizations such as UnidosUS that offer free financial services to Latino communities.

Frequently asked questions about cashing checks in the U.S.

How much does it cost to cash a check in the U.S. without a bank account?

Check cashing stores typically charge between 1% and 3% of the check amount, with a minimum of $3-5. For a $1,000 payroll check, that means losing between $10 and $30 on each cash-out. Walmart Money Center charges lower fees ($4 for checks up to $1,000), but the cost is still higher than having a bank account.

Can I cash a check for free in the U.S.?

Yes, with a bank account. If you deposit the check at your own bank, there is no charge. With Común you can deposit checks by photographing them from the app, completely free. Some banks also allow you to deposit checks from other banks at no additional cost using mobile deposit.

Why do Latino immigrants pay more to cash checks?

The main reason is less access to bank accounts. Barriers include SSN requirements, language, unfamiliarity with the system, and fear of formal procedures. Without a bank account, they turn to check-cashing services that charge high fees. Platforms like Común remove these barriers by accepting Latin American IDs without an SSN.

What do I need to deposit a check in Común?

You only need the Común app and the physical check. Open the app, select “Deposit check,” take a photo of the front and back of the check (with your signature on the back), and the money is generally credited in 1-2 business days. There are no additional charges for the mobile deposit service.

What happens if someone pays me with a personal check from someone without a bank account?

Personal checks from people without sufficient funds or without an active account bounce (bounced check). If you deposit that check, the bank may temporarily hold the funds and then debit you the amount plus an NSF fee ($25-35). To receive payments more safely, prefer Zelle, Venmo, or direct transfers instead of personal checks from people you do not know well.

Is it better to receive payroll by check or by direct deposit?

Direct deposit is better in virtually all cases: the money arrives automatically on payday (or earlier with Común), there is no risk of the check being lost or stolen, there are no cashing fees, and you can access the funds immediately. With Común you can set up direct deposit from the app in minutes using your routing number and account number.

Instant payments

How do I send money through Xoom? Your complete 7-step guide

8 min de lectura

Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

Bank deposit
Cash pickup at physical locations, such as Oxxo or Elektra
Mobile top-up
Bill payment
Cash delivery

Provide the recipient’s details

The information you must enter is:

Full name, as it appears on their official ID
Address
Phone number
Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

Linked bank account
Debit card or credit card
Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an account.

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Platform	Fee	Exchange rate	Delivery time	Delivery options
Xoom	From 2.99 USD, depending on the sending type	Less favorable	Minutes to hours	Bank deposit, cash pickup, home delivery
Común	Fee starting at 2.99 USD, up to the applicable limits	Competitive (Clarification: Results may vary depending on destination country and sending method)	Minutes	Cash pickup, bank deposit

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

Open your account with an official ID from your country; more than 100 identifications are accepted.
After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
Access customer service in Spanish and English, available 24/7.
Get a Visa debit card to make purchases at physical merchants.
Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.

Living in the United States

5 Apps to Earn Money Fast in the United States

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International Money Transfers

How to send money via Western Union? Complete guide and key tips

8 min de lectura

Western Union is one of the most recognized remittance services worldwide due to its extensive experience, coverage, and accessibility. Many immigrants choose it to send money to their families from the United States.

If you want to optimize the amount your family receives, it is very important to understand the different sending methods available with Western Union, as well as the fees each method generates.

For this reason, we will explain step by step how to send money through Western Union, including the requirements, different modalities, and the advantages and disadvantages of using this international agency.

What is Western Union and How Does It Work to Send Money?

Western Union is a network specialized in international money transfers, available through a large number of physical locations and online methods. It is an accessible method for sending remittances, as it is not necessary to have a banking account to use its services.

It offers two primary methods for international money transfers: online and in-person at a physical agency.

These are the requirements to send money through Western Union from the United States:

What Is Required to Make a Western Union Money Transfer?

Be at least 18 years old
Valid photo identification
1. If visiting a Western Union agency in person, you may present your passport and, in some cases, your driver's license.
2. If using the westernunion.com process, you must upload a photo of your ID and possibly a selfie or other identity verification requirements.
Recipient’s information
1. Ensure that you have the complete and correct details of the person receiving the money:
  1. Full name (as it appears on their identification)
  2. Recipient’s country and city
  3. Delivery method (cash pickup, bank deposit, or other)
  4. Payment method (card, bank account, or cash)

Comparison Between Western Union and Comun

Platform	Fee	Exchange rate (USD - MXN)	You Pay	Estimated Amount Received
Western Union	$4.99 - 15 USD	1 USD = 16.70 MXN*	300 USD + fee	4,900 - 5,010 MXN
Comun	From 2.99 USD, up to applicable limits	1 USD = 17 MXN*	300 USD + fee	5,100 MXN

*please note the exchane rate is subject to change at anytime.

In addition to offering more favorable fees and exchange rates for international money transfers, Comun lets you send money 365 days a year digitally from your home, including holidays, which can be affected by longer wait times due to increased customer volume.

Steps to Send Money Through Western Union: Online and In Person

Currently, Western Union allows you to make international money transfers from the U.S. through its website, mobile app, or in person.

Sending Money Online with Western Union

If you prefer to send money online through Western Union, simply follow these steps:

Log in or register on their platform

To open an account with Western Union, you must have the previously mentioned documents and complete the identity verification process.

Then, log in to the Western Union app or website.

Select destination country and amount

With Western Union, you can choose from a wide variety of destinations in Latin America and worldwide, including Mexico, the Dominican Republic, Colombia, Argentina, and others.

Choose payment method

Western Union offers various payment methods such as credit card, debit card, bank deposit, and cash payment.

Enter recipient information

Make sure to enter the recipient’s details correctly.

Confirm and obtain the tracking number (MTCN)

Once all information is entered, verify its accuracy and confirm the transaction. You will then receive a tracking number to monitor the transfer.

Sending Money to a Western Union Agency

If you prefer to send money in person, follow these steps:

Locate a nearby agency

To find the agency closest to your home, visit the website and select the “Find Location” option. Enter your ZIP code and review the available locations.

You may also call Western Union customer service at 1-800-325-6000 for more information.

Fill out the sending form

Go to the service counter and request the sending form, which you must fill out using the same details required for the online form.

Submit payment and fees to the agent

Once the form is filled out correctly, pay the agent the total amount plus the applicable fee.

Receive the tracking number (MTCN)

Finally, receive the tracking number and share it with the recipient so they can collect the money correctly.

Advantages and Disadvantages of Using Western Union for Remittances

Western Union is a popular option for sending remittances securely and quickly, used by thousands of immigrants in the United States every month.

Below are the main advantages and disadvantages of sending money with Western Union.

Advantages

Extensive global coverage and physical presence

Western Union allows you to send money to almost any part of the world, with approximately 500,000 agencies across more than 200 countries. It even offers transfers to rural and hard-to-reach areas.

Fast cash transfers

If you need to send money urgently, Western Union offers a cash pickup option, available within minutes.

Brand recognition and established history

With over a century of experience, Western Union has a strong reputation and proven security in money transfers through its global network.

Disadvantages

High fees

Generally, the smaller the amount sent, the higher the fee. Fees vary depending on the payment and delivery method and typically range between $4.99 and $15 USD, excluding currency conversion.

Uncompetitive exchange rate

In addition to the initial fee, you must account for the loss due to currency exchange, which is calculated using a less competitive margin than the market rate. As a result, your family receives less money compared to other options.

Sending limits

For unverified users, the sending limit is $3,000 USD per transaction. For verified accounts, the limit is $50,000 USD.

Lack of transparency in fee structure

Western Union’s fees are variable and depend on multiple factors such as the destination country, payment method, delivery method, and transfer amount.

Comun: A Fast, Transparent, and Affordable Alternative to Send Money to Your Family

There is no doubt that Western Union is one of the most well-established remittance services due to its long history and ease of access. However, it is important for users to choose the option that best fits their needs.

Before making a money transfer, it is essential to clearly understand all fees and additional costs; otherwise, your family may receive less money without prior notice.

Comun is the comprehensive solution that makes sending remittances easier and more affordable.

Additionally, it offers:

A mobile app also available in Spanish that allows you to send money easily to more than 17 countries in Latin America.
Your first money transfer is free, and afterward, you pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
You need a mobile device to open your account, an official identification from your country (passport, consular ID, driver’s license, among others), and a US residential address.
24/7 customer support available in Spanish.
High security standards that help your money arrive safely and track your transfer in real time.
Transparent remittance fees.

Open your Comun account today.

Frequently Asked Questions

If you still have questions about how Western Union works, review our FAQ section:

Can I send money to myself through Western Union?

Yes, if you are traveling to another country and do not have a banking account, you can send money to yourself.

Why can’t I send money through Western Union?

There may be several reasons, such as exceeding the sending limit, rejected payment method, or incorrect recipient information.

How much does Western Union charge to send money?

Transfer fees depend on the recipient country, the amount, payment method, and delivery method.

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Checking account

What Are the Benefits of a Común Account?

8 min de lectura

A Común account gives you a VISA debit card, zero maintenance fees, access to Zelle, direct deposit up to 2 days early, and remittances from $2.99 — without needing an SSN. It is the bank account designed specifically for Latin American immigrants in the U.S.

What Is Común and Who Is It For?

Común is a digital financial platform designed specifically for the Latino community in the United States. Unlike traditional banks, Común lets you open a checking account without a Social Security Number (SSN), using Latin American identification documents such as a passport, consular ID, or national ID from more than 100 countries. The process is completely online, in Spanish, and takes approximately 3 minutes.

Main Benefits of a Común Account

No monthly fees

Común does not charge a monthly maintenance fee, does not require a minimum balance, and does not penalize low balances. This contrasts with banks like Chase or Bank of America that charge between $12 and $25 per month if you do not meet balance requirements.

VISA debit card

You receive a physical VISA debit card delivered to your home and access to a virtual card from day one for online purchases. It works at millions of merchants in the U.S. and abroad.

Zelle compatibility

Send and receive money with any Zelle user instantly and for free. Ideal for paying rent, splitting expenses with friends, or receiving work payments.

Early direct deposit

Set up your payroll to receive your paycheck up to 2 days before the official payday, depending on when your employer sends the funds.

Remittances from $2.99

Send money to Mexico and other Latin American countries starting at $2.99 per transaction, with same-day delivery in many cases. Bank deposit options, cash pickup at stores like Oxxo or Walmart, and more.

Access to more than 55,000 fee-free ATMs

Through the Allpoint network, Común gives you access to more than 55,000 ATMs in the U.S. without charging you a fee. Avoid out-of-network ATM charges.

Customer service in Spanish

Común support is available 100% in Spanish, through the app, chat, and phone — no need to communicate in English to resolve questions about your account.

Frequently Asked Questions About Común Benefits

Do I need an SSN to open a Común account?

No. Común accepts more than 100 Latin American IDs — passport, consular ID, national ID, voter ID — without requiring an SSN or ITIN. The process is completely digital and in Spanish. You only need a U.S. phone number and your ID document.

Is the Común account FDIC insured?

Yes. Común operates through Community Federal Savings Bank (CFSB), an FDIC member. Your deposits are insured up to $250,000 by the federal government, just like at any traditional bank.

Can I receive my payroll check with Común?

Yes. Común has its own account number and routing number, which lets you set up direct deposit with your employer. You can even generate a pre-filled direct deposit form from the app to hand to human resources.

Does Común charge for sending remittances?

Yes, but starting at $2.99 per transaction — significantly less than the $5-$15 charged by Western Union or MoneyGram. The exact fee depends on the destination country, amount, and delivery method chosen. Many transfers to Mexico are delivered the same day.

Can I use Común if I have an irregular immigration status?

Yes. Común does not require a specific immigration status. You only need a valid government-issued ID from your home country. The account is the same for all customers regardless of status. There are no immigration checks in the account-opening process.

How do I download the Común app?

The Común app is available on Google Play Store (Android) and Apple App Store (iOS). Search for "Común" or "Comun App." The account-opening process is completed directly in the app in approximately 3 minutes, with government-issued ID and a U.S. phone number.

Financial Education

Wire Transfers, ACH, and Other Money-Transfer Methods

8 min de lectura

The ability to transfer money efficiently and securely is a cornerstone of economic interactions. This article explores the range of electronic transfer methods available today, comparing and contrasting wire transfers, Automated Clearing House (ACH) transfers, and other prevalent money-transfer mechanisms. By understanding the nuances of each international transfer method, from international money transfers to peer-to-peer platforms, individuals and businesses can navigate the complexities of financial transactions with confidence.

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Wire Transfers: Speed and International Reach

Wire transfers stand out as a testament to the enduring value of fast, secure international money movement. Valued for their reliability, wire transfers allow individuals and businesses to transfer funds directly between bank accounts across the globe. The defining feature of wire transfers is their rapid processing, crucial for time-sensitive transactions. They leverage the vast international network of a financial institution, making it possible to send money to almost any country.

However, the efficiency and security of wire transfers come at a cost. They are generally associated with higher fees compared with other transfer methods, both for the sender and, occasionally, the recipient. These transactions also require the provision of precise and complete recipient bank details, including the bank name, account number, and routing numbers, ensuring that funds reach the intended destination without delays.

Despite the cost, the unmatched speed and security of wire transfers make them the preferred choice for large international transactions, where the assurance of timely and safe delivery outweighs the expense. Whether for business dealings, purchasing property abroad, or sending emergency funds, wire transfers offer a reliable solution, backed by the reputation and regulatory framework of traditional financial institutions.

ACH Transfers: Domestic Efficiency and Low Cost

The Automated Clearing House (ACH) network offers an efficient and economical alternative for domestic money transfers. ACH transfers encompass both direct deposits and direct payments, including payroll, government benefits, and bill payments. Unlike wire transfers, ACH transfers are processed in batches, which can lead to slower delivery speed, typically a few business days. However, the lower fees associated with ACH transfers make them an attractive option for routine domestic transactions. ACH transfers and wire transfers, while often mentioned together, serve distinct needs based on the urgency and geographic scope of the transaction.

The versatility of the ACH network extends beyond simple cost savings, providing a framework for a wide range of transactions beyond conventional check deposits and bill payments. This includes, but is not limited to, person-to-person (P2P) payments, business-to-business transactions, and even government-to-citizen payments such as tax refunds.

In addition, the arrival of same-day ACH processing marks a significant improvement in transaction speed, addressing one of the few drawbacks traditionally associated with remittance transfers through this method. Despite this advancement, the inherent delay in batch processing still makes ACH transfers less suitable for urgent transactions, positioning them as a preferred method for planned recurring payments where cost efficiency outweighs immediate fund availability.

The Rise of Digital Convenience:

Two methods stand out for their distinct approaches and unique benefits: person-to-person (P2P) transfers and traditional transactions at both banks and credit unions, and banks. P2P platforms like PayPal, Venmo, Cash App, and Google Pay have revolutionized the way we think about money transfers, offering a level of convenience and accessibility that aligns with the demands of the digital age. These platforms cater to a generation that values speed, simplicity, and the ability to transact on the go using only a smartphone. On the other hand, credit unions and banks represent the backbone of traditional financial transactions, providing a full suite of services ranging from everyday banking needs to complex international wire transfers.

Person-to-Person Transfers

As mentioned, platforms like PayPal, Venmo, Cash App, and Google Pay have become indispensable in the digital era, democratizing the process of sending and receiving money. These apps excel in user convenience, enabling transactions with just a smartphone. Linked to one’s bank account or debit card, they facilitate both domestic and, increasingly, international transfers.

While often free for basic services, they may charge small fees for instant transfers or currency exchange-rate conversion. The appeal of P2P platforms lies in their simplicity and the ability to transfer funds without needing the recipient’s banking details, only their phone number or email address.

Credit Unions and Banks: Traditional but Reliable

Credit unions and banks remain the backbone of the money-transfer ecosystem. Offering a range of services from direct deposits to international wire transfers, these institutions provide a secure, if sometimes more expensive, way to move funds. The choice between a bank and a credit union often comes down to the nature of the transaction—credit unions may offer lower fees and better exchange rates for their members, while banks might provide more comprehensive services for international and business transfers. Regardless of the choice, ensuring the transaction is completed with a reputable institution is paramount.

Deciding Between Money-Transfer Apps: Key Considerations

When comparing money transfer apps, several key factors should be considered to ensure the decision aligns with your personal or business financial needs. Here are the essential aspects to evaluate:

Fees: Compare the associated costs for sending or receiving money, including fees for instant transfers or foreign-currency conversion charges.
Transfer Limits: Check the maximum and minimum amounts you can send, as platforms vary widely in their limits.
Geographic Availability: Not all apps are available in every country or support international transfers. Make sure the app meets your geographic requirements.
Security: Investigate the security measures in place, such as encryption and fraud protection, to safeguard your financial information.
User Experience: Consider the app’s ease of use, customer support availability, and any additional features such as bill splitting or social functionality.
Delivery Speed: While some apps offer instant transfers, others may take a few business days. Choose based on how quickly you need the funds to be available.
Exchange Rates and Currency Options: For international transfers, evaluate the exchange rates offered and which currencies are supported.

Común- Banking designed for your life in the U.S.

Open your bank account¹ in 3 minutes with your country ID²

‍Open Your Account

By carefully considering these factors, users can select a money transfer app that best suits their financial transactions, balancing convenience, cost, and security. Whether sending money to a friend domestically or managing international business transactions, the right money transfer app can make all the difference in achieving a smooth and efficient money-transfer experience.

Emerging Technologies and Financial Innovations

The financial sector continues to evolve, with emerging technologies and innovations offering new ways to transfer money. Blockchain technology, for example, has given rise to cryptocurrencies, which promise faster international transfers without the need for traditional banking infrastructure. However, these methods come with their own set of challenges, including volatility and regulatory uncertainty. As these technologies develop, they may offer viable alternatives to traditional and electronic fund-transfer methods. Some developments include:

Decentralized Finance (DeFi) Platforms: These platforms are reshaping financial transactions by enabling peer-to-peer lending, borrowing, and investing without traditional intermediaries, using blockchain technology to ensure security and transparency.
Smart Contracts: These self-executing contracts with the terms of the agreement directly written into code can automate and secure the execution of financial transactions, reducing the need for intermediaries and increasing efficiency and trust.
Digital Wallet and Mobile Payment Integration: Integrating digital wallets with mobile payment systems is streamlining the process of making transactions, making them more seamless and accessible, and is poised to reduce reliance on physical bank cards and cash even further.

Conclusion

‍The world of money-transfer methods is diverse, each with its own set of advantages, disadvantages, and best-use scenarios. From the rapid international reach of wire transfers to the domestic efficiency of ACH transactions and the convenience of money transfer apps, the choice of method depends on the specific needs of the transaction, including speed, cost, and geographic reach. As financial technologies continue to evolve, staying informed about these methods will enable individuals and businesses to make the best decisions for their money-transfer needs, ensuring that funds are transferred securely, efficiently, and cost-effectively.

Financial Education

How To Register Your Business As An Immigrant

8 min de lectura

Instant payments

Discover how to sign up for Zelle and move your money without complications

8 min de lectura

Are you looking for an option to send and receive money within the United States? In the digital era, it is essential to have access to an immediate, secure, and free transfer service.

Sometimes sending and receiving money can be challenging due to high fees or limited access to the banking system. For this reason, knowing how to register for Zelle and learning about alternative solutions such as Comun will be extremely useful for sending money without complications through the most efficient services.

In this guide, we will explain what Zelle is, how to register, what requirements are necessary to send and receive money, and why Comun works as a complementary solution to expand your options when facing restrictions that could hinder your access to mobile payment services.

What Is Zelle and How Does It Work for Your Daily Payments?

Zelle is a digital P2P (peer-to-peer) payment service available in the United States. It is associated with more than 20,200 traditional and digital banks and credit unions, such as Bank of America, Wells Fargo, Ally Bank, Capital One, and Navy Federal Credit Union. Zelle is well known for its wide coverage and ease of transferring funds between users of this system.

Other advantages of Zelle include:

Near-Instant Transfers
Users can receive their money within minutes.
Ease of Use
It is directly linked to bank applications, eliminating the need for an external app.
Security
It is backed directly by banking institutions, so you can be confident that your money will reach its destination.
Usage Fees
You can send and receive money without paying commissions to other Zelle users.

Please note that Zelle is only available within the United States. If you need to make international transfers, find the best options here.

How Does Zelle Work?‍

Zelle operates through its connection with their affiliated banks’ applications. To send and receive money, you must first verify that your bank is part of this service’s network.

If so, complete your registration directly through your bank’s online platform and begin sending and receiving money to your account using a phone number or email address.

Using Zelle is very practical for daily transactions such as paying rent or purchasing goods and services. It is also a secure way to send money to family and friends.

In addition to Zelle, there are other alternatives for sending and receiving money within the United States. Discover the 6 best mobile apps of 2025.

What Changed in Zelle in January 2025?

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Zelle announced an important change in its application that took effect in April 2025. The change consists of eliminating transfers through its standalone app, as the service can now only be accessed through the online banking platforms of U.S. financial institutions integrated into its network.

If you wish to download the Zelle app, you may still use it to review your payment history.

How to Download Zelle to My Phone: Key Requirements to Register and Use It Without Complications
To have a Zelle account, you only need to meet the following requirements:

U.S. Mobile Phone Number or Email Address
To use Zelle, you only need to register a phone number and an email address. Your contacts can use either of these to send you money easily.
U.S. Bank Account
Since Zelle operates directly through bank connections, having an account with one of the institutions integrated into its network is mandatory.
Check the list of banks that offer Zelle on their website and ensure you will be able to use the service in 2025.
Banking Application
Finally, you must download your financial institution’s mobile banking app, as you will access Zelle through it.

What Can I Do If I Cannot Open an Account in the United States ?

Sometimes, opening an account is not accessible for many individuals, whether due to lack of required documentation or insufficient credit history.

If this is your situation, Comun is a great alternative for sending money to your loved ones safely, quickly, and at low cost.

Comun is a platform that understands the needs of immigrant communities in the United States. Open your account today and experience an accessible alternative for your finances.

4 Simple Steps to Register for Zelle‍

If you are wondering how to open a Zelle account, simply follow these steps:

1. Open Your Bank’s Mobile Application (If It Is a Zelle Partner)
Once you verify that your bank works with Zelle, open the mobile application and register if you have not done so yet.

2. Locate the Transfers and Payments Section
In the main menu, click on the transfers and payments section, then select “Send Money with Zelle.”

3. Register Your U.S. Phone Number or Email Address
To send and receive money with Zelle, it is necessary to register a U.S. phone number and an email address.

4. Link Your Bank Account
Confirm your information and start sending and receiving money with Zelle quickly after completing a test transaction.

With Your Comun Account, Make and Receive Payments Easily and Quickly

Undoubtedly, Zelle is an excellent tool for bank transfers, offering a fast and very simple service to use. Although it is only available to users of participating banks, it has broad coverage.

While Zelle represents a practical solution for many users, it has limitations such as requiring an eligible U.S. bank account.

Comun, on the other hand, is an alternative solution that goes beyond traditional limitations, as it allows you to send international transfers using your official national identification. It is designed for immigrants in the United States and offers simplified financial management. This service provides you with:

A debit card to make purchases at physical establishments
Access to a mobile app for better financial control
The ability to send remittances to your loved ones for a fee starting at $2.99 per transaction up to the applicable limits
The opportunity to join our community that understands your needs

Download the Comun app and enjoy transparent, easy, and personalized finance designed for you.

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Financial Education

What is ACH and why is it important for sending and receiving money in the U.S.?

8 min de lectura

If you need to make bank transfers in the United States, it will be useful to know what the ACH network is and understand its importance in the country’s banking system.

ACH (Automated Clearing House) is an Automated Clearing House that handles the processing of electronic transfers between U.S. accounts.

It is highly relevant for receiving direct payroll deposits, also known as ACH credits, and for processing recurring payments, due to several advantages compared to the traditional bank network, such as cost reduction and traceability of operations.

According to official sources, in 2024 the ACH payment network processed around 33.6 billion electronic payments, with a value close to $86.2 trillion, underscoring the importance of this method in the U.S. financial system.

On this occasion, we will explain in detail the advantages of this type of transaction and provide some recommendations so you can get the most out of them.

What is ACH and how does it work?

ACH or Automated Clearing House is a network that allows money to move between banks, credit unions, and other financial institutions in the United States, where the use of cash or checks is not necessary, because everything is processed electronically.

The central part of this system is NACHA (National Automated Clearing House Association), which oversees compliance with the rules and ensures transfers are carried out according to established security standards.

It is very likely that in your daily life you have already used the ACH system without noticing it. For example, for:

Payroll deposits: every time you receive your salary in your bank account.

Bill payments: to pay basic services such as electricity and internet automatically.

Transfers between people: when you make an electronic transfer to a friend or to your own accounts.

Differences between ACH payments and other transfer methods

In the United States, there are different systems for moving money. In addition to the ACH network, you can rely on more traditional networks such as wire transfers and checks.

The main difference with other bank transfer systems is that ACH focuses on electronic, secure, and low-cost payments, which take longer than other options that tend to be more expensive; whereas ACH transfers are more suitable for recurring payments and direct deposits.

Below, we show you a comparative table so you can visualize the fundamental differences between ACH payments and other methods.

	ACH	Wire transfer	Check
Transaction speed	From 1 to 2 business days	From minutes to hours	From 2 to 5 business days
Cost per transaction	Free or reduced	Variable, around $25 to $50 USD	There may be issuance costs
Geographic availability	Only within the United States	National and international	National and sometimes international
Most common use	Payroll payments, bills, transfers between accounts, automatic payments	Transfers of large amounts of urgent money	Traditional payments between people without access to a bank account

Benefits and some recommendations when using ACH payments

One of the main advantages of ACH payments is the security involved in using this system to transfer money. This is because it is regulated by an organization called NACHA, which verifies each transaction based on financial system regulations, thereby reducing the chances of fraud.

Despite the trust that ACH transfers provide, they also present some limitations.

These are the most common benefits and limitations of the ACH system:

Benefits

It is the lowest-cost method of transferring money, as transactions are free or have minimal fees

Transactions are protected by NACHA regulations, which guarantees their security

It is a system well-suited for processing recurring payments and subscriptions

It is easy to track operations, because all are recorded in the banking system

Limitations

Transactions take longer to complete. Generally, they are reflected the next day or up to two business days later

International money transfers cannot be made, only within the United States

Some banks may set daily limits, so it is not advisable for moving large amounts of money

If you need an alternative for making recurring payments and direct deposits to a bank account within the United States, the ACH network is a popular alternative due to its security standards and accessibility. But if you are looking for other types of financial services, you can consider more comprehensive options.

At Común we make your ACH payments easier

As you can see, ACH payments are a reliable option for making and receiving money transfers, as long as they are scheduled transactions within the United States and within the limits set by banks.

It is very important to have a reliable and transparent partner to move your money and manage your personal finances in a comprehensive and efficient way.

Meet Común, the platform that integrates the ACH network for direct deposits, payments, and transfers, and uses a service that has clear and visible rates in the mobile app.

Discover everything Común offers you!

Open your account with a qualified official ID from your country of origin—we accept more than one hundred of them!

Get a debit card and make purchases easily

Deposit cash at hundreds of locations near you

Make international money transfers for a fee starting at $2.99 USD, up to the available limits

Be part of a service that speaks your language and understands the needs of immigrants working in the United States

Don’t wait any longer—open your account at Común!

Frequently Asked Questions (FAQ)

If you have questions about what ACH is and what it is for, consult our Frequently Asked Questions section.

How long does an ACH transfer take?

Generally, ACH transfers take 1 to 2 business days. It is also possible they are completed the same day if the bank offers the same-day ACH option.

How much does it cost to send money via ACH?

ACH transfers are usually free up to the applicable limits. Some banks charge a minimal fee, around $3 USD. It is a more economical option than a wire transfer, which can cost more than $50 USD.

Is it safe to use ACH for personal payments?

Yes, ACH transfers are regulated by the NACHA system, so they are easily traceable and protected with anti-fraud security measures.

Can I use ACH if I don’t have a bank account in the U.S.?

No, to send money through the ACH system you need an account number from a U.S. bank or credit union. Otherwise, you can resort to more accessible alternatives such as Venmo, PayPal, and Común.

What is an ACH payment?

An ACH payment is a money transfer processed through the ACH system and managed by NACHA (National Automated Clearinghouse Association).

What is a wire transfer?

A wire transfer is a payment method that allows money to be moved from one bank to another electronically, both nationally and internationally.

Financial Education

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

8 min de lectura

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

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

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

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

What is cashback?

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

For example:

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

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

How does cashback work?

Cashback programs generally follow a simple process:

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

The reward may appear as:

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

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

Cashback vs. traditional discounts

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

Cashback	Traditional Discount
Money is returned after the purchase	Price is reduced before purchase
Usually linked to cards, apps, or loyalty programs	Usually available directly in-store
Rewards may take days or weeks to process	Savings are immediate
May help track expenses digitally	Does not usually include tracking tools
Often limited to eligible categories or stores	Depends on store promotions

Types of cashback in 2026

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

Fixed-rate cashback

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

Category-based cashback

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

Rotating cashback categories

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

Welcome bonuses

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

Where can you get cashback in the United States?

Credit cards:

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

Debit cards:

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

Cashback apps:

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

Store loyalty programs:

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

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

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

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

Cashback	Points	Miles
Returns money	Rewards system value	Travel-focused rewards
Flexible spending	Often redeemed in specific ecosystems	Usually tied to airlines or hotels
Reward after spending	Redemption values vary	Best for frequent travelers
Common for everyday purchases	May include gift cards or products	Often used for traveling

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

3 practical tips for using cashback responsibly

1. Use cashback for purchases you already planned

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

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

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

3. Track your cashback earnings

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

Does Común offer cashback?

No. Común does not currently offer cashback programs.

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

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

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

FAQ

What is cashback and how does it work?

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

How is cashback calculated?

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

Where can I get cashback in the United States?

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

What is the difference between cashback and points?

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

Does Común offer cashback?

No. Común currently does not offer cashback.

Is cashback taxable?

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

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Financial Education

How to Call Guatemala from the USA in 2025

8 min de lectura

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

011 502 2 ### ####

Landline, Metro Area

011 502 6 ### ####

Landline, rest of country

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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