
La Clabe Interbancaria es un código único que identifica a una institución financiera en México. Es una herramienta fundamental para realizar transacciones financieras.
La Clabe Interbancaria consta de 22 dígitos y se compone de dos partes: la primera parte identifica a la institución financiera y la segunda parte identifica al banco.
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¿Qué es la Clabe Interbancaria?
The CLABE interbancaria is a unique and non-repetitive 18-digit number assigned to each bank account in Mexico. It serves as a reference for making interbank transfers between accounts.
This number is not used for making withdrawals or deposits, so you can share it safely. It's primarily used for sending funds between institutions.
The CLABE interbancaria format is a standard 18-digit code that can be broken down into various parts. However, the exact composition of the CLABE interbancaria is not explicitly mentioned in the article sections provided.
If you're having trouble finding your CLABE interbancaria, don't worry! There are several ways to locate it. You can check your account statement, review your bank contract, or access your online banking platform. You can also contact your bank's customer service or visit a nearby branch.
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Componentes de la Clabe

The CLABE interbancaria is a crucial piece of information for any bank account holder in Mexico. It's a unique 18-digit code that allows for secure and efficient transactions between different banks.
The CLABE is composed of four distinct parts: the code of the bank, the code of the plaza or region, the account number, and the digit of control. This structure helps to ensure the accuracy and validity of the CLABE.
Here's a breakdown of each component:
- Código de banco (3): This is the code that identifies the bank where the account is held, assigned by the ABM.
- Código de plaza (3): This code corresponds to the city or region where the account is located, defined by the catalog of plazas.
- Número de cuenta (11): This is the account number itself, which is used to identify the specific account within the bank.
- Dígito de control (1): This is a verification digit that ensures the CLABE is correct and valid, obtained through an algorithm that checks the code of the bank, the plaza, and the account number.
The CLABE is essential for making and receiving interbank transfers in Mexico, and it's used by banks to verify the accuracy of transactions.
Beneficios y Uso de la Clabe
The CLABE interbancaria is a crucial piece of information for making and receiving transfers in Mexico. It's a unique 18-digit code that serves as a reference for your account.
You can find your CLABE interbancaria by checking your bank contract, accessing your bank's portal with your user and password, or reviewing your account statements. Some banks also offer SMS services or mobile app access to retrieve your CLABE.
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One of the main benefits of using the CLABE is that it allows you to make and receive transfers between banks in Mexico without any restrictions. You can also use it to set up automatic payments for services or products.
To receive funds, you need to provide your CLABE to the person or company sending the transfer. For automatic payments, you'll need to share your CLABE with the service provider. You can also use it for transfers between banks in Mexico.
Here are some ways to use your CLABE:
- To receive funds: share your CLABE with the sender
- For automatic payments: provide your CLABE to the service provider
- For transfers between banks in Mexico: use your CLABE as the reference number
Remember to enter your CLABE correctly, without any spaces, to avoid any issues with the transfer.
Transferencias y Modalidades
There are two main modalities of transferencias bancarias e interbancarias: únicas and recurrentes. Únicas, also known as transferencias puntuales, are one-time payments that don't require the bank to store the beneficiary's information.
Recurrentes, or transferencias periódicas, are repeated payments that can be programmed to occur at specific times. This reduces the paperwork and ensures the operation is carried out correctly.
You can choose between these two modalities depending on your needs, and both are convenient options for making payments.
Recibir Transferencias Internacionales

Receiving international transfers can be a bit tricky, especially if you're not familiar with the process. In Mexico, you need to provide the sender with your CLABE interbancaria to ensure the transfer reaches your account.
To avoid any issues, make sure to share your CLABE interbancaria with the person sending the transfer. You'll also need to give them your name and last name to complete the transaction.
Modalidades Transferencias
There are two main modalities of transferring money through banks: unique and recurrent transfers. Unique transfers, also known as one-time transfers, are used for specific payments and don't require the bank to store the beneficiary's information.
These transfers are useful for making one-time purchases, and all you need is the beneficiary's CLABE number. Recurrent transfers, on the other hand, are programmed to occur at specific times, making it easier to manage multiple payments.
Here are the two main modalities of transferencias:
- Únicas (one-time transfers)
- Recurrentes (recurring transfers)
Diferencias y Comparativas

A CLABE interbancaria y el número de cuenta son dos conceptos útiles para realizar operaciones bancarias. La CLABE interbancaria está compuesta de 10 dígitos.
Para hacer transferencias bancarias a un banco diferente al tuyo, necesitas una CLABE interbancaria. Suelen solicitarlo las páginas de préstamos en línea.
Una CLABE interbancaria sirve para hacer transferencias dentro del mismo banco, al igual que el número de cuenta. Ambas tienen 10 dígitos.
La CLABE interbancaria se compone de 10 dígitos, mientras que el número de cuenta se compone de 18 dígitos.
Para consultar tu número de cuenta y CLABE interbancaria, puedes usar la app móvil de tu banco.
Bancos y Servicios
Bancomer, Santander, and Banamex are just a few examples of Mexican banks that use CLABE interbancaria and SWIFT for international transactions.
Bancomer uses a specific format for its CLABE interbancaria, but unfortunately, I don't have that information readily available.
Santander México also has its own CLABE interbancaria format, which is essential for making international transfers to their bank.

You can find the CLABE interbancaria format for Banamex, also known as Citibanamex, in the relevant article section.
To make an international transfer to Bancomer, you'll need the SWIFT code and CLABE interbancaria of the recipient's account.
For Santander, you'll also need the SWIFT code and CLABE interbancaria to complete the transfer.
Banamex, or Citibanamex, is a Mexican bank with its own unique CLABE interbancaria format.
It's worth noting that having the correct CLABE interbancaria and SWIFT code is crucial for a successful international transfer.
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Frequently Asked Questions
¿Cómo puedo saber cuál es mi CLABE interbancaria?
Tu CLABE interbancaria se encuentra en los datos generales de tu cuenta bancaria, disponible en la banca en línea o en la aplicación de tu banco
¿Qué pasa si doy mi CLABE interbancaria?
Si compartes tu CLABE interbancaria, aumentas la seguridad en operaciones financieras, protegiéndote de errores humanos e inconsistencias en los datos
¿Cuál es la diferencia entre número de cuenta y CLABE interbancaria?
La CLABE interbancaria se utiliza para transacciones entre bancos distintos, mientras que el número de cuenta se utiliza para operaciones dentro del mismo banco. En resumen, la CLABE es para transacciones entre bancos, el número de cuenta para transacciones dentro del banco.
Sources
- https://wise.com/mx/blog/que-es-clabe-interbancaria
- https://wise.com/es/clabe/
- https://principal.com.mx/blog/dinero/que-es-la-famosa-cuenta-clabe-interbancaria
- https://www.bbva.mx/educacion-financiera/banca-digital/cuenta-digital-numero-de-cuenta-clabe-interbancaria.html
- https://www.conekta.com/blog/clabe-interbancaria
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