Using your card in Mexico: The complete guide
If you're planning to travel to Mexico, you might wonder if you have to carry Mexican pesos (MXN), or if you can use your debit card while sightseeing and shopping abroad. Holidays should be relaxing, not stressful — and preparing in advance will help you avoid any unpleasant surprises in Mexico.Read on to find out if you can use your debit card while in Mexico, which ATMs are available to tourists, if you risk being charged extra fees, and much more.

Can I use my debit card in Mexico?
Whether you’re traveling for business or pleasure, using a debit card in foreign countries like Mexico can come in handy — not only for convenience but also as an extra measure in case you run out of Mexican pesos. Generally speaking, many establishments in Mexico accept debit cards, especially cards affiliated with major international payment networks like Visa or Mastercard.
Tips for using your debit card in Mexico
Follow our tips for a smooth and secure experience when using your debit card in Mexico:
- Before traveling to Mexico, notify your bank about your travel plans. This prevents your card from being flagged for suspicious activity, and you can access your funds without any fuss.
- Always carry some Mexican pesos for small purchases, street vendors, or establishments that only accept cash.
- When using your debit card or ATMs in Mexico, always opt to be charged in Mexican pesos to avoid higher exchange fees. The exchange rate offered by your bank will usually be a better deal than the rate at the ATM or card terminal, so it’s smart to pay in local currency.
- Keep your debit card secure, and always cover the keypad when entering your PIN.
- Use ATMs in well-lit and secure areas, such as banks or shopping malls. Withdraw larger amounts less frequently, and try to choose ATMs with lower withdrawal fees.
- Always check your transaction receipts and monitor your account activity regularly. Report any unauthorized transactions to your bank immediately.
FAQs
Visa and Mastercard are definitely the most widely accepted debit card networks in Mexico, as well as American Express and Discover. Travelers with these cards benefit from accessible and convenient payments and cash withdrawals.
Before traveling to Mexico, check if your debit card is affiliated with one of these major networks.
Although using your debit card in Mexico is usually safe, being aware of potential risks can help you and your funds stay secure.
Using trusted ATMs and practicing good card and password handling habits can improve your financial safety while you’re exploring Mexico.
You can use your debit card to withdraw cash in Mexico from several different banks, such as Santander, Intercam, Banorte, Inbursa, and Banco del Bajío. Because of card cloning and other scams, you're safer using ATMs within bank branches or lobbies.
But be mindful of your daily withdrawal limits! To withdraw large amounts of Mexican pesos, you may need to make multiple transactions over a few days or temporarily increase your withdrawal limit through your bank or banking app.
Yes, using your debit card in Mexico may incur fees. Most banks charge between 20 to 30 Mexican pesos per international card transaction. At N26, all our accounts come with free card payments worldwide — as often as you like and with no foreign transaction fees
And remember: When in doubt, always choose to be charged in Mexico’s local currency, the Mexican peso (MXN).
Using ATMs in Mexico is generally safe. However, that doesn’t mean you should throw your good security habits out the window! Boost your financial safety by choosing secure locations, inspecting ATMs for signs of tampering, shielding your PIN, and monitoring your account activity closely.
Losing your debit card or having it stolen in Mexico can be challenging, but it's not the end of your travels.
Once you realize your debit card is missing, contact your bank's customer service or international helpline to report the loss or theft. Provide details such as your account number, card number (if you know it), and the date and location where you last used the card.
With N26, you can easily lock your card or turn off international payments, right in your N26 app. Here's what else to do if you suspect a fraud.