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Ria transfer limits to Mexico: How much can you send in 2026?
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Planning a big transfer to family in Mexico? Your Ria limit depends on how you pay, where you live in the U.S. and, in some cases, how your recipient gets the money. Here’s what applies in 2026.
How much money can you send to Mexico with Ria?
For most senders in the U.S., the limits look like this:
Bank account, debit card, credit card, Apple Pay or Google Pay: up to $30,000 every 30 days
Cash-funded transfers: up to $495 per transfer
Oklahoma, Arizona and New Mexico: up to $999.99 per day
The $30,000 figure is a total for the 30-day period, not a per-transfer amount. Every transfer you send in that window counts toward it.
Sending to family in Mexico? Check today’s rate and fee and see exactly what they’ll receive before you confirm.
Transfer limits by state
Because of state regulations, senders in Oklahoma, Arizona and New Mexico can send up to $999.99 a day. If you live in one of those states and need to send a larger amount, you’ll have to spread it over several days.
Everywhere else in the U.S., the standard limit of $30,000 every 30 days applies to transfers paid with a bank account or card.
How your payment method affects your limit
Cards, bank accounts and mobile pay all share the same 30-day limit. Cash is where things change.
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The 1% remittance tax on cash transfers
Since January 1, 2026, international transfers from the U.S. that are funded with cash, a money order or a cashier’s check carry a 1% federal excise tax.
On a $495 cash transfer, that’s $4.95.
Here’s what to know:
The tax is separate from your transfer fee and is added on top of it.
It isn’t refundable, and you can’t claim it on your federal tax return.
You’ll see it under “Total Tax” on your pre-payment disclosure and receipt before you confirm.
It doesn’t apply when you pay with a bank account or a U.S. debit or credit card, or when you send through the Ria website or app.
For cost examples and the full rundown, read our guide to the 1% US remittance tax.
Does the payout method change your limit?
Your Ria send limit stays the same whichever option your recipient chooses, and Ria doesn’t set a receive limit in Mexican pesos. The partner that pays out the money can still have its own rules.
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Cash pickup
Your recipient can collect pesos at 48,000+ locations across Mexico, including Elektra/Banco Azteca, OXXO, BanCoppel, Bodega Aurrera/Walmart, Chedraui and Soriana. They can go to any location of the payer you choose, not just one branch. Some locations may have their own receiving limits.
Bank deposit
Ria sends to BBVA Mexico, Banamex, Banorte, Santander, Banco Azteca, HSBC, BanCoppel, Nu Mexico and more. You’ll need your recipient’s CLABE (their 18-digit interbank account number) or debit card number. Their bank may set its own limits.
Mobile wallet
You can send to mobile wallets like Mercado Pago and Spin by OXXO. The wallet provider may set its own limits.
Verifying your identity
Your limit can depend on whether your account is verified. When the app asks you to verify, you’ll:
Answer a few questions and share some identifying information.
Take a clear photo of a valid identity document.
Record a short selfie video, moving and speaking only when prompted.
Make sure your ID photo is readable and nothing is cut off. For more detail, see what documents you need to verify your identity with Ria.
How to send more than $30,000 in 30 days
You can’t raise your limit for online transfers. If you need to send more, you can send money in person at a Ria location. An associate will ask for:
A valid government-issued ID
Your Social Security number
Other paperwork
What your recipient needs
For cash pickup, your recipient should bring:
The transfer PIN you share with them
A valid government-issued photo ID with the same name you entered for them
For bank deposits and mobile wallets, the money goes straight into their account, so they don’t need to do anything.
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FAQs
Can I increase my Ria send limit?
Not for online transfers. If you need to send more, visit a Ria location. You’ll be asked for your ID, your Social Security number and other paperwork.
How much can I send to Mexico in cash?
Cash-funded transfers are limited to $495 each. A 1% federal remittance tax is added on top of your transfer fee.
Does the 1% remittance tax apply to every transfer to Mexico?
No. It applies only when you fund your transfer with cash, a money order or a cashier’s check. Transfers paid with a bank account or a U.S. debit or credit card, or sent through the Ria website or app, don’t carry the tax.
Is there a limit on how much my recipient can receive in Mexico?
Ria doesn’t set a receive limit in Mexican pesos. Your recipient’s bank, mobile wallet or pickup location may have its own limits, so check with them before sending a large amount.
Send money to Mexico with Ria
Now that you know your limits, you’re ready to plan your next transfer. Send money to Mexico with Ria and see the rate, fee and any taxes before you confirm.
About the author
Gabriela Solis
Gabriela Solis is Ria's Senior Content Writer. Located in Querétaro, México, she focuses on telling stories that show the myriad human faces of remittances.
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