Personal Finance Money transfer

How to make an international money transfer with Oxxo?

Adam Rozsa
Adam Rozsa
13.02.23 (updated more than 1 year ago)
Read time 3 minutes

Oxxo is a popular retail chain in Mexico where you can find different services, and international money transfers are one of the services they offer.

In this article, we’ll show you how to make international money transfers with Oxxo, which countries you can send money to, and if there are any restrictions or limits.

We also want you to know that if you’re looking to make international money transfers or receive money from abroad, Wise can be an alternative option with the Wise Account – it offers low-fee transfers³ and the mid-market exchange rate every time you send money to and from Mexico.

Get a Wise Account today

International money transfers with Oxxo

Oxxo stores offer an international money transfer service, both to send and receive money.

These are the steps you must follow to send money abroad:

  1. Go to an Oxxo store.
  2. Show an official and valid photo ID, and provide your phone number.
  3. Provide the full name of the person who will receive the money. Don't forget to keep the receipt of the transaction!

Oxxo's international money transfer service has an alliance with Western Union, so it is supported by a very popular service provider. It’s also affiliated with these platforms:

If someone sends you money from the United States or another country, you should ask them to send it via Western Union, and you will be able to collect it directly at Oxxo.

What do you need to make a transfer at Oxxo?

In the step-by-step guide above, we told you how to send and receive money using Oxxo, but now we'll give you more details about the requirements and documents you must present:

  • The 10-digit transaction number: the person sending the money receives a ticket that displays this number. You must know this number to withdraw the money.
  • Official and valid photo ID: you can supply a voter registration card, passport, driver’s license, professional ID, or military ID card.

How much does Oxxo charge for making an international transfer?

The international money transfer service offered by Oxxo is not free of charge. Fees depend on the amount of money you want to send.

If you want to send money through an Oxxo store, the fee you must pay is 7% of the total amount plus VAT¹.

For example, if you want to send $2,000 MXN, you must pay $2,140 MXN + VAT. The person who withdraws the money is not charged any fees.

To learn more about the limits placed on money transfers, just visit an Oxxo store, as the information is not entirely clear on their official website.

💡 Is it possible to open an account in the United States as a foreigner? Find out more in this article.

How much does Oxxo charge for receiving an international transfer?

If someone sends you money from abroad, you can receive it through an international platform such as Western Union. Then, when you withdraw the money at an Oxxo store, you must pay a fee of $17 MXN¹.

In addition, you should know that there is a withdrawal limit for all people who want to withdraw money at Oxxo. You can only withdraw up to $3,000 MXN in cash, although it depends on the money that is available in the store's cash register at that moment¹.

However, even if you can only withdraw $3,000 MXN, the maximum amount of money you can receive is $11,600 MXN. To get the remaining amount you must credit it to any of the allied cards (Citibanamex, BBVA Bancomer, Inbursa, Scotiabank, HSBC) or Oxxo's Saldazo card².

Wise: a low-cost alternative for sending and receiving international transfers

If you are looking for a different way to receive money from anywhere in the world or send money abroad, you can use Wise.

With your Wise Account, you can get local bank details to get paid in 10 different currencies including US Dollars, Canadian Dollars, and Euros, among others. If someone sends you dollars, you can have a balance in dollars and decide if you want to convert them into Mexican pesos or keep them in dollars. If you wish, you can exchange them for Mexican pesos and then send them to your Mexican bank account.

The Wise Account offers the mid-market rate, which is the one that appears on Google.

Here you’ll be able to monitor the dollar price and even set an alert when the currency offers a more convenient price for you.

See how much you can save with Wise:

International transfers arrive on the same day. If someone sends you money outside of business hours, your money will arrive the next business day. But if the user has a Wise Account, the money will arrive instantly and free of charge⁴.

Register a Wise Account right now

How long does an international transfer with Oxxo take?

The money is transferred instantly. This means you can go to an Oxxo store and withdraw it as soon as it is sent to you.

You should know that the service for withdrawing international transfers is open from 6:00 am to 10:00 pm. You’ll be able to withdraw international transfers 365 days a year, including holidays.

If you wish to claim the transfer or receipt of money, you can do so up to 90 days from the moment the deposit was made.

Sources used:
  1. Oxxo - International transfers
  2. Oxxo - Frequently asked questions
  3. Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
  4. The speed of transaction claim depends on funds availability, approval by Wise's proprietary verification system and systems availability of our partners' banking system, and may not be available for all transactions.

All sources checked on 8 February 2023

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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