- CLABE
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The CLABE (Clave Bancaria Estandarizada) is a banking standard for the numbering of bank accounts in Mexico. This standard is a requirement for the sending and receiving of domestic inter-bank fund transfers since June 1, 2004. The CLABE account code has 18 digits. [1]
"CLABE" is an acronym for CLAve Bancaria Estandarizada, Spanish for Standardized Bank Code.
The CLABE replaces the old Mexican account numbering scheme where the account number had 11 digits.
The provision for CLABE standardization was issued by the Asociación de Bancos de México (ABM) (Spanish: Mexican Bank Association) in joint efforts with Banco de México (Mexico's Central Bank) and it guarantees that the inter-bank fund transfers, payroll deposits or automatic service charges are made to the correct accounts.
Contents
Structure
The 18 digits of the CLABE follows this structure: [1]
- 3 Digits: Bank Code
- 3 Digits: Branch Office Code
- 11 Digits: Account Number
- 1 Digit : Control Digit
Bank code
In Mexico, banking institutions are identified by a three-digit number assigned by the ABM, but a bank number catalogue is not available through the web. Here is a table, provided by FedACH International, as of July 31, 2006: [2]
ABM Bank Numbers (Participants in SPEI) ABM
NumberInstitution Name Short Name Participates
As002 Banco Nacional de México, S.A. BANAMEX R 012 BBVA Bancomer, S.A. BBVA BANCOMER R 014 Banco Santander, S.A. SANTANDER R 019 Banco Nacional del Ejército, Fuerza Aérea y Armada, S.N.C. BANJERCITO R 021 HSBC México, S.A. HSBC R 022 GE Money Bank, S.A. GE MONEY R 030 Banco del Bajío, S.A. BAJIO R 032 IXE Banco, S.A. IXE R 036 Banco Inbursa, S.A. INBURSA R 037 Banco Interacciones, S.A. INTERACCIONES R 042 Banca Mifel, S.A. MIFEL R 044 Scotiabank Inverlat, S.A. SCOTIABANK R 058 Banco Regional de Monterrey, S.A. BANREGIO R 059 Banco Invex, S.A. INVEX R 060 Bansi, S.A. BANSI R 062 Banca Afirme, S.A. AFIRME R 072 Banco Mercantil del Norte, S.A. BANORTE R 102 ABN AMRO Bank México, S.A. ABNAMRO RC 103 American Express Bank (México), S.A. AMERICAN EXPRESS R 106 Bank of America México, S.A. BAMSA RC 108 Bank of Tokyo-Mitsubishi UFJ (México), S.A. TOKYO RC 110 Banco J.P. Morgan, S.A. JP MORGAN RC 112 Banco Monex, S.A. BMONEX RC 113 Banco Ve por Mas, S.A. VE POR MAS R 116 ING Bank (México), S.A. ING RC 124 Deutsche Bank México, S.A. DEUTSCHE RC 126 Banco Credit Suisse (México), S.A. CREDIT SUISSE RC 127 Banco Azteca, S.A. AZTECA R 128 Banco Autofin México, S.A. AUTOFIN R 129 Barclays Bank México, S.A. BARCLAYS RC 130 Banco Compartamos, S.A. COMPARTAMOS R 131 Banco Ahorro Famsa, S.A. FAMSA R 132 Banco Multiva, S.A. BMULTIVA R 133 Prudencial Bank, S.A. PRUDENTIAL RC 134 Banco Wal Mart de México Adelante, S.A. WAL-MART R 136 Banco Regional, S.A. REGIONAL R 137 BanCoppel, S.A. BANCOPPEL R 138 Banco Amigo, S.A. AMIGO R 139 UBS Banco, S.A. UBS BANK R 140 Banco Fácil, S.A. FÁCIL R 166 Banco del Ahorro Nacional y Servicios Financieros, S.N.C. BANSEFI R 168 Sociedad Hipotecaria Federal, S.N.C. HIPOTECARIA FEDERAL RC 600 Monex Casa de Bolsa, S.A. de C.V. MONEXCB RC 601 GBM Grupo Bursátil Mexicano, S.A. de C.V. GBM RC 602 Masari Casa de Cambio, S.A. de C.V. MASARI CC. RC 604 Inversora Bursátil, S.A. de C.V. C.B. INBURSA RC 605 Valué, S.A. de C.V., Casa de Bolsa VALUÉ RC 606 Base Internacional Casa de Bolsa, S.A. de C.V. CB BASE RC 607 Casa de Cambio Tiber, S.A. de C.V. TIBER RC 608 Vector Casa de Bolsa, S.A. de C.V. VECTOR RC 610 B y B Casa de Cambio, S.A. de C.V. B&B RC 611 Intercam Casa de Cambio, S.A. de C.V. INTERCAM RC 613 Multivalores Casa de Bolsa, S.A. de C.V. Multiva Gpo. Fin. MULTIVA RC 614 Acciones y Valores Banamex, S.A. de C.V., Casa de Bolsa ACCIVAL RC 615 Merrill Lynch México, S.A. de C.V., Casa de Bolsa MERRILL LYNCH RC 616 Casa de Bolsa Finamex, S.A. de C.V. FINAMEX RC 617 Valores Mexicanos Casa de Bolsa, S.A. de C.V. VALMEX RC 618 Única Casa de Cambio, S.A. de C.V. ÚNICA RC 619 MAPFRE Tepeyac S.A. ASEGURADORA MAPFRE RC 620 Profuturo G.N.P., S.A. de C.V. AFORE PROFUTURO RC 621 Actinver Casa de Bolsa, S.A. de C.V. CB ACTINBER RC 622 Actinver S.A. de C.V. ACTINVE SI RC 623 Skandia Vida S.A. de C.V. SKANDIA RC 624 Consultoria Internacional Casa de Cambio, S.A. de C.V. CONSULTORIA RC 627 Zurich Compañía de Seguros, S.A. ZURICH RC 628 Zurich Vida, Compañía de Seguros, S.A. ZURICHVI RC 629 Hipotecaria su Casita, S.A. de C.V. HIPOTECARIA SU CASITA RC 630 Intercam Casa de Bolsa, S.A. de C.V. C.B. INTERCAM RC 631 Vanguardia Casa de Bolsa, S.A. de C.V. C.B. VANGUARDIA RC 632 Bulltick Casa de Bolsa, S.A. de C.V. BULLTICK C.B. RC 633 Sterling Casa de Cambio, S.A. de C.V. STERLING RC 634 Fincomún, Servicios Financieros Comunitarios, S.A. de C.V., Sociedad Financiera Popular. FINCOMUN RC 638 Akala, S.A. de C.V., Sociedad Financiera Popular AKALA RC 640 J.P. Morgan Casa de Bolsa, S.A. de C.V. JP MORGAN C.B. RC 646 Sistema de Transferencias y Pagos STP, S.A. de C.V., SOFOM E.N.R. STP RC 901 CLS Bank International CLS RC 902 SD. INDEVAL, S.A. de C.V. INDEVAL RC R = Participates as an (RDFI) Receiving Depository Financial Institution
RC = Does not provide banking services to individuals. Payments to these institutions are for commercial purposes only.Branch office code
This three-digit code is internal, bank-specific information.
Account number
The account number in the financial institution. Padded on the left with zeroes to a width of 11 digits.
Control digit
The control digit is calculated as the modulus 10 of 10 minus the modulus 10 of the sum of the modulus 10 of the product of the first 17 digits by its weight factor. [3][4]
The first 17 digits of the CLABE are, as mentioned above, the Bank Code, the Branch Office Code and the Account Number.
The weight factor of a given digit is:
- 3 if its position (starting at 0) modulus 3 is 0
- 7 if its position modulus 3 is 1
- 1 if its position modulus 3 is 2
The method is:
- For every digit, multiply it by its weight factor and take their modulus 10 (modulus is the Remainder of the integer division. The modulus X of a baseX number is its rightmost digit).
- Sum all of the calculated products, and take modulus 10 again.
- Subtract the sum to 10, take modulus 10, and you have the resulting control digit.
So, as an example:
Bank Branch Account Number 17 CLABE digits 0 3 2 1 8 0 0 0 0 1 1 8 3 5 9 7 1 × Weight factors 3 7 1 3 7 1 3 7 1 3 7 1 3 7 1 3 7 = ( % 10 ) Products, modulus 10 0 1 2 3 6 0 0 0 0 3 7 8 9 5 9 1 7 Product sum, modulus 10 1 10 - sum, modulus 10 9 (control digit) And so, the complete CLABE is: 032180000118359719
See also
References
- ^ a b CLABE as per the Mexican Banks Association (Spanish)
- ^ FedACH International Mexico Service Implementation Manual, page 15
- ^ FedACH International Mexico Service Implementation Manual, page 18
- ^ CLABE check digit calculator, an XL spreadsheet used for verification purposes by the Federal Reserve Financial Services.
Categories:- Banking terms and equipment
- Identifiers
- Banking in Mexico
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