Banking
Mexico — Banking: Required Documents
Opening a Mexican bank account requires: a valid passport (original plus copy, not near expiration); a physical resident card (Temporal or Permanente) issued by the INM; a Comprobante de Domicilio (proof of address) — a utility bill such as CFE electricity, water, or landline, dated within the last 3 months; and, as of 2026, the RFC (Federal Taxpayer Registry number) with its homoclave, now required by most banks for tax compliance. A CURP (Clave Única de Registro de Población) is also typically requested alongside the RFC.
Key facts
- Valid passport (original + copy, not near expiration).
- Physical INM-issued resident card (Temporal or Permanente).
- Proof of address (CFE/water/landline bill) dated within the last 3 months.
- RFC with homoclave now required by most banks in 2026 for tax compliance, alongside CURP.
Timelines
- Maximum age of proof-of-address utility bill: 3 months
Required documents
- Valid passport
- Resident card (Temporal/Permanente)
- Proof of address (utility bill, <3 months old)
- RFC with homoclave
- CURP
Common mistakes
- Submitting a utility bill older than 3 months — banks routinely reject these as proof of address.
- Not having an RFC with homoclave ready, which most banks now require as a 2026 compliance step.