About
SPEI (Sistema de Pagos Electrónicos Interbancarios) is Mexico's interbank transfer system, owned and operated by Banco de México since August 2004 and available 24/7. Transfers are sent from a bank or fintech app and credited immediately, addressed by the recipient's 18-digit CLABE, a debit card number, a Dimo-linked mobile number or a CoDi QR code. It had 94 participants at the end of 2025, 41 of them non-bank institutions, and processed 7.3 billion transfers worth 591.8 trillion pesos that year, about 16.8 times Mexico's GDP.
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