Send money to Mexico.

The honest answer on price.

Most "cheapest way to send money to Mexico" rankings are paid affiliate content. Here's the unvarnished version: the actual cost of a remittance is the explicit fee plus the FX markup built into the rate the provider quotes. Wise pioneered the honest version of this — they show both numbers separately. Western Union and MoneyGram historically hide the FX markup in the rate, which is why their "$0 fee" promotions can still cost more than a Wise transfer with a posted fee.

Pesito's pricing follows the Wise model in spirit: zero fee on $PesitoID-to-$PesitoID transfers between users, a small operator fee on SPEI direct-deposit and OXXO cash-pickup (denominated in USD, not hidden in the FX rate), and the Banxico mid-market reference rate with no spread. The comparison row in the calculator above pulls the most recent public quote from each major competitor for a $200 USD send — refreshed quarterly — so you can see the real delta.

Methods, costs, and arrival times.

The four levers you control on every send: how you fund it, how the recipient receives it, the explicit fee, and the FX rate. We break each out below so you can pick the path that fits your situation, not just the cheapest one on paper.

The fee numbers above are the operator fees Pesito passes through; the FX rate is mid-market on every method. The "+1% U.S. remittance tax" line that hits Western Union storefront cash sends starting January 1, 2026 does not apply to any of the three Pesito methods because all three are digital, debit-funded, or ACH-funded.

Who Pesito is built for.

Pesito is the right tool if you fit any of these patterns: you send to Mexico more than once a month and the cumulative fee drag matters; your recipient is unbanked or "bank-hostile" and OXXO pickup is the realistic option; you want both sides of the family to have an app instead of one side getting a code and the other side juggling a Western Union receipt; or you want to hold pesos between sends and not get clipped by a weekend FX move. If you send once a year and the recipient has a bank account, the convenience advantage of Pesito is smaller — but the price advantage is still there.

Where Pesito is honest about being weaker.

Western Union has 600,000+ agent locations worldwide and brand recognition built since 1851. If your recipient insists on a specific physical pickup point that isn't an OXXO, WU's footprint is unmatched. Remitly's customer support has 24/7 phone coverage in multiple languages, and their corridor coverage extends to dozens of countries beyond Mexico. Wise's expat / business persona is the right fit if you're moving five figures or running international payroll. Pesito doesn't try to win those use cases — it wins the U.S.↔Mexico corridor on price honesty, network identity, and recipient experience.

Frequently asked.