Currency exchange for Mexico real estate: your questions, answered.

You're not alone. Most clients feel that way before their first call. Start with a conversation: tell us what you're buying, building or paying for, and when the payments are due. George will walk you through your options in plain language, and you decide from there.

Nothing, and there's no obligation. You'll leave with a clear picture of your options, whether or not you work with us.

No, early is ideal. The sooner we talk, the more options you have, and opening your account in advance means it's ready the moment you need it.

We work with individuals and businesses from the US, Canada and Europe who are buying, building or doing business in Mexico. Eligibility depends on your citizenship, residency and the requirements of the currency partner. Every account is approved directly by that partner, and we'll help confirm which options are available for your situation.

A government-issued ID, proof of address, and your purchase contract if you have one. You don't need a contract to open your account. Individual accounts are typically approved within 24 to 48 hours, and company accounts in about a week, depending on the currency partner and the documents required. It's one more reason to open your account early.

No. Some clients use MexEdge only to move money for a purchase or build, at the rate of the day. The service is the same either way: your own account, payees set up with care, and every transfer tracked until it's confirmed received.

By locking your exchange rate. When your purchase or construction payments are due in pesos but your money is in dollars, a change in the exchange rate changes what each payment costs you. Through your own account with a licensed currency partner, you can lock an exchange rate in advance for a future payment date, using what's called a forward contract. For each payment you lock, you know your dollar cost before it comes due.

Yes. Businesses have used forward contracts to manage currency risk for decades, but many individual buyers don't realize this option is available to them. MexEdge works with licensed currency partners that make exchange-rate protection available to individuals buying or building homes in Mexico.

Typically a deposit of 4 to 8% of the amount, depending on how far away your payment is. The rest stays with you until each payment is due, and your deposit is applied to your final payment. If the exchange rate moves significantly against your locked rate, the currency partner may ask for an additional deposit. We monitor this with you and let you know right away.

It happens all the time. Locked-in rates (called forward contracts) can be drawn early or extended, out to two years or more if needed. A change in timing can adjust your rate slightly, and we'll walk you through exactly how before anything changes.

You give up that upside on the amount you've locked, in exchange for certainty. Your dollar cost stays fixed whichever way the exchange rate moves, and that certainty is the point of locking.

No. You decide how much to lock and when. Some clients lock the full amount once their contract is signed. Others lock part now and add more later, or convert some payments at the rate of the day. We'll show you how each option works, and the decision is always yours.

No one can reliably predict exchange rates, and we don't try. What you can control is certainty: locking a rate fixes the dollar cost of the payments you lock, whatever the market does next. We'll show you the rates available for your payment schedule, explain how the options work, and you decide what to lock and when.

Your locked rate (forward contract) can generally be closed out. Depending on market conditions, that may result in a cost or a payment back to you. We'll explain your options and help you through the process.

Yes. Your money is sent from an account in your own name with a licensed currency partner, which gives the notario a clear record of where the funds came from. We coordinate with your notario on any documentation they need.

You can, and many clients keep their bank for everyday banking. Money-transfer apps can work well for smaller transfers. For larger purchases, construction payments and transactions with several recipients, an account with a licensed currency partner offers more flexibility, the option to lock your exchange rate, a documented payment history, and someone tracking every transfer.

Transfers typically arrive in under 24 hours. Timing can vary depending on banking hours, the receiving bank, and any additional checks required. We help you set up each payee with care and track every transfer until it's confirmed received.

Moving a large amount of money requires careful coordination. Your money moves through an account in your own name with a licensed, regulated currency partner, never through MexEdge. We help you set up each payee, review the payment details with you before the transfer, and track it until receipt is confirmed.

Yes. Your account stays open for renovations, furnishings, or anything else you'll pay in pesos, and you can lock rates for future payments too.

Never. Your payments are transferred through an account in your own name with a licensed currency partner, and go directly from there to whoever you're paying. Is my money safe? →

No. MexEdge has no access to your account. Your currency partner may share confirmations of trades, deposits and transfers with us so we can track your payments, but we can't see your balance, and we can't move your money.

Licensed companies that specialize in currency exchange and international payments. Every partner we work with is licensed and regulated. In the US, they're registered with FinCEN, part of the US Treasury, and licensed as money transmitters by state regulators. Our Canadian partners are regulated in Canada. We work with more than one, so you get the right fit.

Your account and any existing forward contracts are held directly with your licensed currency partner, not MexEdge. Your relationship with that partner continues independently of MexEdge.

It depends on the size and structure of your transaction. Before you commit to anything, we show you exactly what you'd pay, our fee and the currency partner's exchange rate, side by side with what a typical bank would charge to convert the same amount. Banks typically build 2% or more into their exchange rate. All in, working with MexEdge usually costs less, and you get the option to lock your rate and someone managing every transfer.

Only you. MexEdge is paid only by its clients, never by banks or currency partners. We work for you, not the bank.

Yes. We help you plan, protect and track payments to your builder and suppliers over months or years, including renovations, additions and remodels. You don't need to send your entire construction budget at once. If you lock an exchange rate, your currency partner may require a deposit, and you fund your payments as they come due. For building or renovating →

Yes. Developers, funds and companies use MexEdge for currency programs built around their draw schedule, pre-sales or revenue, with accounts available at more than one licensed currency partner and every payment documented. For businesses →

Yes. Companies that earn dollars and operate in Mexico can make regular dollar-to-peso conversions through their own account with a licensed currency partner, and lock the rate on revenue they expect to receive, so payroll and supplier payments are easier to plan. Many start with a single transaction to see the full process first.

Yes. We work with clients paying in Canadian dollars and euros as well as US dollars. Canadian clients have options with more than one currency partner, depending on their circumstances and account approval. We also help European clients open accounts.

Yes. Many Mexican properties are advertised in US dollars, so if your money is in Canadian dollars, changes in the exchange rate between Canadian and US dollars can change what your property costs you. We work in Canadian dollars too, and help you secure the exchange rate that matters for your purchase.