In most cases, OXXO charges $15 MXN per bank deposit. This is possible because the chain acts as a banking agent, receiving cash in-store and sending it to the recipient’s account or card.

Why do some people prefer this service?

Essentially because it’s practical, accessible, and there are thousands of stores open every day with extended hours.

However, knowing how much OXXO charges per deposit isn’t the only thing you should consider when using this service. Not all banks offer it, and there are restrictions on the maximum amount you can deposit.

In this post we clarify these points and give you some practical tips to avoid surprises.

How Much Does OXXO Charge per Deposit: Fees, Limits, and Tips

How much does OXXO charge per deposit in 2025?

OXXO charges $15 MXN per bank deposit, applied to most banks and cards, regardless of the amount.

However, there are variations depending on the type of deposit:

• Spin by OXXO charges $12 MXN.

• OXXO-to-OXXO deposits usually charge $15 MXN when the deposit is equal to or less than $200 MXN. For higher amounts, the fee may change.

An easy way to understand how much you’ll need is with these OXXO deposit examples:
Suppose you want to deposit $1,000 MXN:

• Deposit to BBVA debit cards. You’ll pay $1,015 MXN at the register ($1,000 + $15 OXXO deposit fee).

• Deposit to Spin by OXXO. The total will be $1,012 MXN ($1,000 deposit + $12 fee).

Viewed this way, it’s worth choosing the deposit to Spin by OXXO debit cards, which is cheaper ($3 MXN less). While it’s not a lot, it can be significant if you do it frequently.

Which banks allow deposits at OXXO and which do not?

Fortunately, the list of banks in Mexico that have an agreement with OXXO is longer than the list that does not offer the service:

Participating banks:

• BBVA.

• HSBC.

• Invex.

• Afirme.

• Hey Banco.

• Santander.

• Scotiabank.

• Bancoppel.

• Autofin.

• Falabella.

• Inbursa.

• Banregio.

• Caja Popular Mexicana.

• Caja Real del Potosí.

• Caja Morelia Valladolid.

• Financiera Zafy.

• Spin by OXXO, among others.

Banks that do not accept deposits at OXXO:

• Banco Azteca.

• Citibanamex.

As you can see, at most institutions you can add funds to accounts or cards from any store.

Minimum and maximum amount limits (per transaction/daily)

If you’re wondering what the minimum/maximum deposit is, here’s what you should know:

• The maximum per OXXO transaction is $5,000 MXN per deposit.

• There are no official minimum deposit limits listed on OXXO’s website, but some institutions recommend $50 or $100 MXN to avoid rejections.

• The daily limit varies by bank.

Here’s a comparison table with some of the participating banks:

How and when to make the deposit?

At OXXO you can make a deposit to debit cards or to bank accounts. The process is simpler than making a bank transfer because it requires fewer details and is faster.

Requirements for an OXXO deposit:

• Card number (16 digits) or CLABE of the destination account.

• Deposit amount in cash.

• Official ID (in some cases, depending on the bank).

As an alternative, you can generate a QR code from the Spin Premia app (formerly Mi OXXO) so you don’t have to say the card number.

OXXO operating hours and process

OXXO stores operate from 6:00 a.m. to 10:00 p.m. every day, including Sundays and holidays. So you can make deposits even when banks are closed.

But how do you make a deposit at OXXO?

1. Give the cashier the account or card details.

2. Indicate the amount to deposit.

3. Pay the cash plus the corresponding fee.

OXXO deposits usually clear immediately. Unlike the posting time for a bank transfer, which may take longer depending on the bank and time of day.

Tips to avoid problems when depositing at OXXO

Depositing at OXXO is practical, fast, and accessible given its availability at over 20,000 stores in Mexico. But keep the following in mind to avoid setbacks or unnecessary expenses.

• Verify that the bank is partnered with OXXO to accept deposits.

• Ask for your payment receipt and keep it as proof to validate the transaction in case of any disputes.

• Make deposits that do not exceed $5,000 MXN per transaction, and remember each bank has daily or monthly caps.

• Compare fees with other methods, e.g., Spin by OXXO, pharmacies, or supermarkets. Some ATMs even allow you to deposit cash to the same bank’s debit cards at no cost.

You can also choose OXXO Pay to shop online and pay in cash at any of their stores, with immediate confirmation.

Conclusion

Making a deposit at OXXO is practical and accessible; it usually costs $15 MXN and OXXO has partnerships with many banks. Plus, the hours are longer than traditional branches.

Of course, you should consider a few aspects, such as its $5,000 MXN per-transaction limit and daily caps that range between $5,000 and $27,000 MXN, depending on the bank.

Ultimately, keeping in mind how much OXXO charges per deposit will help you make better decisions. There are also alternatives that can work for cash payments online, like OXXO Pay.

Now, if we’re talking about international payments or purchases, DolarApp is one of the best alternatives. With an account with us, you can move digital dollars or euros without issues, as well as make conversions at a competitive exchange rate.

Frequently Asked Questions

Does OXXO charge a flat commission or does it depend on the amount?

The commission OXXO charges per bank deposit is usually flat, $15 MXN per transaction. This does not change based on the amount sent and applies to most Mexican banks.

Can you deposit to any bank from OXXO?

No, only to banks partnered with OXXO, such as BBVA, Santander, Scotiabank, Inbursa, BanRegio, among others. Some institutions, like Citibanamex, have not accepted deposits through OXXO since 2021.

How long does it take for the deposit to show up?

OXXO deposits usually appear instantly or within minutes. However, in some cases it could take a bit longer depending on the bank, though it rarely exceeds 24 hours.

What’s the maximum amount I can deposit at OXXO?

The maximum per OXXO transaction is $5,000 MXN, but daily limits differ according to bank policies. Some only allow $5,000 MXN, and others up to $25,000 MXN and $27,000 MXN.

Sources:

OXXO bank list

Mi OXXO migration