SPEI
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico’s real-time interbank electronic payment system developed and operated by Banco de México. It enables near-instant account-to-account transfers between bank accounts through online and mobile banking. In 2025, SPEI processed more than 6 billion transactions, making it one of Mexico’s most important payment infrastructures for consumers, businesses and financial institutions.
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Reasons for Popularity
Nationwide Coverage: Nearly all banks in Mexico participate in SPEI, ensuring that users can make payments efficiently regardless of their bank
Convenience: Users can access SPEI through various channels, including online banking, mobile banking, and bank branches, making it highly accessible
Security and Reliability: SPEI offers secure transactions through a protected network, with no chargebacks and robust fraud protection, which enhances trust among users
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