CLABE validator
Paste an 18-digit CLABE to check its control digit and see which bank it belongs to — before you send a SPEI transfer or hand it to your employer.
Runs entirely in your browser. Nothing you type is sent or stored.
How a CLABE is built
Since June 2004 every Mexican bank account that receives interbank transfers has an 18-digit CLABE. The standard was set by the Asociación de Bancos de México together with Banco de México, and it is what SPEI uses to route money between banks in seconds.
| Digits | Meaning | Textbook example (032180000118359719) |
|---|---|---|
| 1–3 | Bank code (SPEI participant) | 032 |
| 4–6 | Plaza: the city/region where the account was opened (e.g. 180 = Mexico City area, 320 = Guadalajara area, 580 = Monterrey area) | 180 |
| 7–17 | Account number (11 digits) | 00011835971 |
| 18 | Check digit (weights 3-7-1, modulo 10) | 9 |
Bank codes you will see most
The first three digits identify the institution. These are the codes of the banks and fintechs expats use most, taken from the participants list that Banco de México publishes for SPEI (retrieved 2026-10-14). The validator above checks against the full list of 95 participants.
| Code | Institution | Code | Institution |
|---|---|---|---|
| 002 | Banamex | 012 | BBVA México |
| 014 | Santander | 021 | HSBC |
| 044 | Scotiabank | 072 | Banorte |
| 124 | Citi México | 127 | Banco Azteca |
| 137 | BanCoppel | 167 | Hey Banco |
| 638 | Nu México | 661 | Klar |
| 722 | Mercado Pago | 728 | Spin by OXXO |
| 170 | Revolut Bank | 136 | Intercam |
Source: Banco de México — CEP / SPEI participants. Codes for new participants appear there first.
Before you send money
- A valid CLABE is not proof of ownership. Your banking app shows the beneficiary name returned by the receiving bank — confirm it matches before you approve the transfer.
- After a SPEI transfer, you can download the official electronic payment receipt (CEP) from Banxico's site as proof of payment.
- Receiving money from abroad? Read the cheapest way to move money to Mexico — the exchange-rate spread usually costs more than the fee.
- Still need an account? Start with how to open a bank account in Mexico as a foreigner or compare banks side by side.
Frequently asked questions
What is a CLABE number in Mexico?
CLABE (Clave Bancaria Estandarizada) is the 18-digit standardized account number used for SPEI interbank transfers, payroll deposits and direct debits in Mexico. It has 3 digits for the bank, 3 for the plaza (branch city), 11 for the account and 1 check digit.
How is the CLABE check digit calculated?
Multiply each of the first 17 digits by the weights 3, 7, 1 (repeating), keep the last digit of each product, add them up, take the last digit of the sum and subtract it from 10. The last digit of that result is the check digit. For example 03218000011835971 gives a sum of 61, so the check digit is 9.
Does a valid CLABE mean the account exists?
No. A valid check digit only proves the number is well formed and the bank code is a SPEI participant. Only the receiving bank can confirm the account exists and who owns it; your bank shows the account holder name before you confirm a SPEI transfer.
Is a CLABE the same as a card number or a SWIFT code?
No. A debit card number has 16 digits and can receive some transfers, but the CLABE is the account identifier for SPEI. A SWIFT/BIC code identifies the bank for international wires; to receive a wire from abroad you usually need both the SWIFT code and your CLABE.
Where do I find my CLABE?
In your banking app (usually under account details), on your account statement, or in the contract you received when you opened the account. Digital banks such as Nu, Klar or Mercado Pago also show it in the app.
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