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.
USD to MXN Real-Time Calculator
USD to MXN Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| 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 |
USD to MXN Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (SPEI / CLABE (18-digit code)) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
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.
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.
Required Details to Wire USD to MXN
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
SPEI / CLABE (18-digit code)
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs MXN: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesMexican Peso (MXN)
Bank of Mexico (Banxico)
10.5%
Benchmark rate4.5%
Consumer pricesMacroeconomic 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.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to MXN
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
Mex$19,850.00
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
Mex$872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
Mex$887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
Mex$896.12
Physical cash pickup
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 |
19.8500
1 USD = Mex$19.8500
0.0504
1 MXN = $0.0504
19.0560 - 20.6440
Annual volatility band
SPEI / CLABE (18-digit code)
Clearing rail for MXN
Frequently Asked Questions (USD to MXN)
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.