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🇺🇸 USD / 🇲🇽 MXN ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

USD to MXN Exchange Rate & Bank Wire Fee Comparison (2026)

Convert US Dollar (USD) to Mexican Peso (MXN). The live interbank midpoint rate is 1 USD = 19.8500 MXN. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

USD to MXN Real-Time Calculator

Sourced via Central Bank Interbank Feeds
Quick amounts
$
→
Mex$
19,850.00
Official benchmark rate (0% markup applied)
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Historical Benchmarks

USD to MXN Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds
Period Interbank Midpoint Yield on $1,000 Trend / Variance
Today (Interbank Midpoint) 1 USD = 19.8500 MXN Mex$19,850.00 Current Live Rate
30 Days Ago 1 USD = 19.7706 MXN Mex$19,770.60 +0.4% (Higher)
90 Days Ago (Quarterly) 1 USD = 20.0882 MXN Mex$20,088.20 -1.2% (Lower)
180 Days Ago (Half-Year) 1 USD = 19.4332 MXN Mex$19,433.15 +2.1% (Higher)
1 Year Ago (52W Midpoint) 1 USD = 19.8500 MXN Mex$19,850.00 +0.0% vs Annual Baseline
Settlement Timeline

USD to MXN Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: SPEI / CLABE (18-digit code)
Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (SPEI / CLABE (18-digit code)) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails
Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time
Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day
⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (SPEI / CLABE (18-digit code)). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Transfer Preparation

Required Details to Wire USD to MXN

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

SPEI / CLABE (18-digit code)

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

USD vs MXN: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators
🇺🇸

US Dollar (USD)

Federal Reserve (Fed)

Policy Rate

5.0%

Benchmark rate
Annual CPI Inflation

2.8%

Consumer prices
Estimated Real Yield (Rate - Inflation): +2.2%
🇲🇽

Mexican Peso (MXN)

Bank of Mexico (Banxico)

Policy Rate

10.5%

Benchmark rate
Annual CPI Inflation

4.5%

Consumer prices
Estimated Real Yield (Rate - Inflation): +6.0%
Policy Rate Differential: 5.50% (USD vs MXN)
Inflation Differential: 1.70% (Annual CPI spread)
ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), Bank of Mexico (Banxico)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable
52W Low: Mex$19.0560 Current: Mex$19.8500 52W High: Mex$20.6440
Lower bound Current rate sits at 50.0% of annual range Upper bound
Independent Market Analysis

Compare Wire Transfer Costs: USD to MXN

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias
$1,000 USD
$250 $5,000 $10,000 $20,000
Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:$4.50
Rate:19.8500
Clearing:Instant / Same Day
Recipient Receives

Mex$19,850.00

Maximum Yield

Optimal Benchmark Rail
Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:$25.00
Bank Rate:19.2148
Speed:2-4 Business Days
Recipient Receives

Mex$872.53

-Lost to Hidden Margin

High Intermediary Margin
Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:$4.99
Rate:19.1553
Speed:Instant (Closed Wallet)
Recipient Receives

Mex$887.41

Closed loop balance

Convenient but Marked Up
Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:$8.00
Rate:19.3736
Speed:Physical Counter / 1 Day
Recipient Receives

Mex$896.12

Physical cash pickup

Agent Network Fee
Lookup Tables

USD to MXN Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇺🇸 USD to 🇲🇽 MXN

1 USD = 19.8500 MXN
Amount Mid-Market Rate Bank Payout Hidden Spread
$1 USD Mex$19.85 MXN Mex$0.00 -Mex$384.93
$5 USD Mex$99.25 MXN Mex$0.00 -Mex$387.47
$10 USD Mex$198.50 MXN Mex$0.00 -Mex$390.65
$25 USD Mex$496.25 MXN Mex$96.07 -Mex$400.18
$50 USD Mex$992.50 MXN Mex$576.44 -Mex$416.06
$100 USD Mex$1,985.00 MXN Mex$1,537.18 -Mex$447.82
$250 USD Mex$4,962.50 MXN Mex$4,419.40 -Mex$543.10
$500 USD Mex$9,925.00 MXN Mex$9,223.10 -Mex$701.90
$1,000 USD Mex$19,850.00 MXN Mex$18,830.50 -Mex$1,019.50
$5,000 USD Mex$99,250.00 MXN Mex$95,689.70 -Mex$3,560.30
$10,000 USD Mex$198,500.00 MXN Mex$191,763.70 -Mex$6,736.30

🇲🇽 MXN to 🇺🇸 USD (Reverse)

1 MXN = 0.0504 USD
Amount Mid-Market Rate Bank Payout Hidden Spread
Mex$1 MXN $0.05 USD $0.00 -$0.98
Mex$5 MXN $0.25 USD $0.00 -$0.98
Mex$10 MXN $0.50 USD $0.00 -$0.99
Mex$25 MXN $1.26 USD $0.24 -$1.02
Mex$50 MXN $2.52 USD $1.46 -$1.06
Mex$100 MXN $5.04 USD $3.90 -$1.14
Mex$250 MXN $12.59 USD $11.22 -$1.38
Mex$500 MXN $25.19 USD $23.41 -$1.78
Mex$1,000 MXN $50.38 USD $47.79 -$2.59
Mex$5,000 MXN $251.89 USD $242.85 -$9.04
Mex$10,000 MXN $503.78 USD $486.68 -$17.10
Mid-Market Rate

19.8500

1 USD = Mex$19.8500

Inverse Rate

0.0504

1 MXN = $0.0504

52-Week Range

19.0560 - 20.6440

Annual volatility band

Target Bank System

SPEI / CLABE (18-digit code)

Clearing rail for MXN

Knowledge Base

Frequently Asked Questions (USD to MXN)

Click any question to expand
Q What is the current exchange rate for USD to MXN?
As of 2026, the real mid-market interbank rate is 1 USD = 19.85 MXN. This is the true benchmark rate with zero hidden bank markup.
Q How much does a bank charge to send USD to MXN?
Most traditional high-street banks charge a front-end wire fee of around $25 plus a 2.5% to 4% hidden exchange rate markup. On a $1,000 transfer, you typically lose around Mex$1,026.25 compared to specialized neobanks like Wise.
Q What bank codes are needed to send MXN to Mexico?
To receive MXN in Mexico, the recipient typically needs to provide their SPEI / CLABE (18-digit code).
Q How fast does an international transfer take between USD and MXN?
Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From USD

View Reverse: MXN to USD →

USD → EUR

1 USD = 0.9245 EUR

USD → GBP

1 USD = 0.7715 GBP

USD → JPY

1 USD = 152.4000 JPY

USD → CAD

1 USD = 1.3850 CAD