What the others would charge you.
Same amount, same day, side by side. Change the amount in the estimate above and these numbers move with it.
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Most "cheapest way to send money to Mexico" rankings are paid affiliate content. Here's the version nobody pays us to write.
A transfer costs you two things: the fee you can see, and the exchange-rate markup you usually can't. Some providers show both numbers. Others bury the markup inside the rate, which is how a "$0 fee" promotion ends up costing more than a transfer with a posted fee.
Our pricing is built so you never have to do that math. $0 and 0% FX on the Pesito network, domestic or international, whether you send to a $PesitoID, a phone number or a claim link. Getting it out to a bank at standard speed is $0 too. We don't add a margin to the exchange rate: our reference is a mid-market rate average at quote time, and if a margin ever existed it would be its own line on your receipt.
The whole price ladder, start to finish:
- Send $25, pay $0. All $25 gets converted.
- Send $50, pay $0. All $50 gets converted.
- Send $500, pay $0. Send $2,000, still $0.
Before every transfer you'll see the exchange rate, the exact fee, and what your recipient gets. US federal law requires it (the CFPB Remittance Transfer Rule), and we'd show you anyway.
This is planned pricing and isn't available yet. The final price always appears in the app before you pay. For competitor-by-competitor numbers with sources and last-checked dates, see the comparison guides.
Here's the model we're building toward. One price on the Pesito network, $0 standard withdrawals, and paid options only when you choose them.
| Transfer or withdrawal | Pesito fee (USD, planned) | Delivery | Recipient needs a bank? |
|---|---|---|---|
| US → Mexico on the Pesito network (international) | $0, no FX spread | Designed for fast delivery | No. The money lands in their Pesito account, where they can keep it or withdraw it. |
| $PesitoID to $PesitoID, same country (US → US or Mexico → Mexico) | $0 | Designed for fast delivery | No |
| Standard withdrawal to your own bank (planned; ACH in the US, SPEI in Mexico) | $0 | US: 1–3 business days. Mexico: by the next business day | Yes, their own account |
| Instant withdrawal (optional, planned) | 0.5%–1.75% of the amount, minimum $0.25 or the peso equivalent, shown next to the $0 option | US: to a debit card. Mexico: SPEI at any hour | Yes, or a debit card in the US |
| Cash out at a store in Mexico (planned) | $0 from Pesito. The store's fee, if any, at cost and shown first | At the counter | No |
A family can move money from a US sender to its own bank account in Mexico for $0 end to end: a $0 transfer on the Pesito network, then a $0 standard withdrawal. Every paid feature is optional and shown next to its $0 alternative. Two things we don't control: your recipient's bank may charge its own fees, and foreign taxes may apply. When we know them, you'll see them before you confirm. Every transfer also goes through identity verification, corridor availability, limits, and compliance review.
About that "+1% remittance tax"
Starting January 1, 2026, the US government charges a 1% excise on remittances funded with cash, a money order, or a cashier's check. That's a tax collected by the government. It is not our fee, and it's separate from Pesito's $0 price above.
Pesito is being designed to fall outside it, because the planned funding methods are debit card and bank transfer (ACH) only, with no cash option. This is general information, not tax advice. Please talk to a tax professional about your situation.
Who we're building this for.
Pesito is for you if any of this sounds like your life:
- You send money to Mexico more than once a month, and the fees add up.
- Your family doesn't have a bank account, so cash is the real option.
- You want both sides to have an app, instead of one person holding a code and the other holding a paper receipt.
Send once a year to someone with a bank account? The convenience matters less. Paying $0 to send, at the mid-market rate, still does.
Where we're weaker. Honestly.
We haven't launched. The others work today, and that alone may decide it for you. Beyond that:
- Nubank opened a US account in September 2026 that sends to a Mexican bank account with no transfer fee, and in Mexico it is a licensed bank. If you have the ID it asks for, it works today. Pesito vs Nubank.
- Revolut sends to most of the world, and transfers between Revolut users in the US and Mexico carry no transfer fee. Pesito vs Revolut.
- Chime has no monthly fee and pays early, if you have an SSN. It doesn't send to Mexico, but as a US account it works today. Pesito vs Chime.
We're not trying to win those. We're trying to win one route, the US and Mexico, on honest prices and on what it feels like for the person receiving the money.
How much will it cost to send money to Mexico with Pesito?
Pesito hasn't launched yet, so this is the planned price: $0 and 0% FX on the Pesito network, domestic or international, to a $PesitoID, a phone number or a claim link (any supported amount within app and legal limits). In practice: send $25 and all $25 gets converted at the reference rate; send $500 or $2,000 and all of it gets converted. There is no cap, no percentage, and no amount at which a fee begins.
A standard withdrawal to your own bank account is $0: in the US by ACH in 1–3 business days, in Mexico by SPEI by the next business day. An instant withdrawal is optional: 0.5%–1.75% of the amount, minimum $0.25 or the peso equivalent, shown next to the $0 option.
A family can move money from a US sender to its own bank account in Mexico for $0 end to end: a $0 transfer on the Pesito network, then a $0 standard withdrawal. Every paid feature is optional and shown next to its $0 alternative. Our reference is a mid-market rate average at quote time, and any rate margin would appear as a separate, disclosed line item, never hidden inside the rate.
Your recipient's bank may charge its own fees, and foreign taxes may apply; they are shown before you confirm when known. Final pricing is always shown in the app before you pay and may change before launch.
Does the 1% US remittance tax apply to Pesito?
Will my family be able to pick up cash without a bank account?
How long will the transfer take?
Is Pesito FDIC-insured?
How is Pesito's pricing designed to be transparent?
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