CLABE
The CLABE (Clave Bancaria Estandarizada) is an 18-digit standardized bank account number used in Mexico for electronic transfers. Introduced in 2004, it replaced the previous system of bank-specific account numbers.
At a glance
Country
Mexico
Identifier
CLABE
Format
18 digits
Used for
Domestic transfers
Format breakdown
032
Bank
1–3
Bank identifier
180
City
4–6
City/plaza code
00000000000
Account
7–17
Account number
8
Check
18
Check digit
How it works
The first 3 digits identify the bank, digits 4–6 identify the city/region, digits 7–17 are the account number, and digit 18 is a check digit. CLABE is required for all SPEI (interbank electronic payment system) transfers.
Where to find yours
In your online banking portal, on your bank statement, or by requesting it at your branch.
Payment systems in Mexico
| System | Speed | Description |
|---|---|---|
| SPEI | Seconds | Real-time interbank transfers, 24/7 since 2024 |
| CoDi | Instant | QR code-based payments built on SPEI |
| Domiciliación | 1–2 business days | Direct debit for recurring payments |
Major banks in Mexico
Good to know
SPEI is one of the fastest payment systems in the world — transfers settle in seconds, 24/7.
Common bank codes: 002 = Banamex, 012 = BBVA, 014 = Santander, 021 = HSBC, 072 = Banorte.
CLABE is different from your card number or account number — always use CLABE for bank transfers.
Related tools
Other countries
Frequently asked questions
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