Mexico CLABE Validator
Validate any 18-digit Mexican CLABE number using the official Banxico control digit algorithm. Decodes bank, city, and account number. Free, instant, no signup.
18 digits: Clave Bancaria Estandarizada (CLABE)
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Banxico CLABE Bank Codes
The first 3 digits of any CLABE identify the bank. Click a row to look up that bank.
| Code | Bank Name |
|---|
Common CLABE City / Plaza Codes
Digits 4-6 of the CLABE identify the city or plaza where the account was opened.
What Is a CLABE Number in Mexico?
CLABE stands for Clave Bancaria Estandarizada, which translates to Standardized Banking Code. It is an 18-digit number that uniquely identifies any bank account in Mexico's domestic payment system. CLABE was introduced by Banxico (Banco de Mexico) and CECOBAN (Centro de Compensacion Bancaria) to standardize interbank transfers and eliminate the errors that plagued the old account number system, where different banks used different lengths and formats.
Every CLABE is 18 digits long, and every digit has meaning. The first three digits identify the bank. Digits four through six identify the city or plaza where the account was opened. Digits seven through seventeen are the account-specific portion. The eighteenth digit is a control digit calculated using a weighted sum algorithm defined by Banxico, and its job is to catch typos before money moves to the wrong account.
CLABE is used by SPEI (Sistema de Pagos Electronicos Interbancarios), Mexico's real-time interbank transfer system. When you send money from one Mexican bank to another, SPEI uses the CLABE to route it. Transfers via SPEI are processed in seconds and are available 24 hours a day, every day of the year.
How to Decode a CLABE: All 18 Digits Explained
Take a sample CLABE: 032180000118359719. Here is what each segment means:
Receiving International Wire Transfers to Mexico
If someone outside Mexico is sending money by international wire transfer directly to a Mexican bank account, the CLABE alone is not enough. You also need to provide the bank's SWIFT code. BBVA Mexico's SWIFT code is BCMRMXMM. Banamex (Citibanamex) is BNMXMXMM. Santander Mexico is BMSXMXMM. Banorte is MENOMXMT.
For most people sending remittances from the US to Mexico, international wire transfer is not the best option. Services like Remitly, Wise, Xoom (PayPal), and Western Union are faster and significantly cheaper for small to medium amounts. They deposit directly to the recipient's CLABE account and typically arrive within minutes to a few hours. The sender only needs the recipient's CLABE in most cases. The service handles the routing.
For European senders, use our IBAN Validator to check your account details. Sending from the US? Verify your routing number with our ABA Routing Number Checker. Compare fees on our Send Money to Mexico comparison page.
CLABE data sourced from Banxico (Banco de Mexico) and CECOBAN public registries. The control digit algorithm follows official Banxico specification.
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Frequently Asked Questions
CLABE (Clave Bancaria Estandarizada) is an 18-digit standardized number that uniquely identifies a Mexican bank account. Introduced by Banxico and CECOBAN, it replaced the old variable-length account number system. Every Mexican bank account has a CLABE used for SPEI interbank transfers.
A CLABE is always exactly 18 digits. Digits 1-3 = bank code, digits 4-6 = city/plaza code, digits 7-17 = account number (11 digits), digit 18 = control digit. No more, no less.
CLABE validation uses the Banxico weighted sum algorithm. Multiply each of the first 17 digits by repeating weights [3, 7, 1], sum the results, compute (10 minus the sum modulo 10) modulo 10. The result must equal the 18th digit. This tool does that automatically.
BBVA Mexico (formerly Bancomer) has CLABE code 012. Other codes: Banamex/Citibanamex is 002, Santander Mexico is 014, HSBC Mexico is 021, Banorte is 072, Scotiabank Mexico is 044. The code appears as the first 3 digits of any CLABE for that bank.
No. For international wire transfers, you also need your bank's SWIFT code. BBVA Mexico: BCMRMXMM. Banamex: BNMXMXMM. Santander Mexico: BMSXMXMM. Banorte: MENOMXMT. Services like Wise and Remitly only need your CLABE since they handle international routing themselves.
Your CLABE is in your bank's mobile app under account details, on your bank statement, and in internet banking. It is 18 digits, different from your account number and card number. You can also ask at any bank branch or call the hotline.
The 18th digit is a control digit calculated from the first 17 using Banxico's weighted sum algorithm. Weights [3,7,1] repeat across digits 1-17. Control = (10 minus sum modulo 10) modulo 10. A wrong control digit means SPEI rejects the transfer, preventing payments to the wrong account.