Send money to Mexico for less, in seconds.

We believe moving money should be fast and effortless, so most transactions are free. Some include a small fee, which you'll always see before you send.

Currently we charge a flat 50 cent fee for international deposits or withdrawals, with other transactions (sending money on Morse, spending with Morse Card, moving stablecoins, instantly withdrawing to your bank, etc.) remaining free. Our Account Details charge a 0.1% fee to receive international payments from freelance jobs, gig work, etc. around the world.

When you convert to pesos, you get a fair, real exchange rate — often what you see on Google — not a more expensive, marked-up version.

This could typically save you 3–5% in fees per transfer compared to traditional services (based on leading money transfer providers in August 2025).

We're working to keep Morse as close to free as possible, which means any future fees will be minimal and transparent.

Getting started requires just three simple things: a smartphone with fingerprint or face recognition, valid identification for account verification, and a funding source such as your debit card, bank account, or crypto wallet.

We accept most government-issued identification, but for the specific types, please check the app during signup. Account setup is quick — typically under five minutes — and you can begin transfers immediately.

There are two ways to get money to your family and friends in Mexico, and they're both instant:

• Send via Morse: Money arrives immediately in their Morse Wallet, where they can then hold it as digital dollars or withdraw to pesos
• Withdraw to your Mexican bank: Add money from any payment source, then withdraw to your Mexican bank account and send via SPEI in seconds

Either way, Morse lets your family and friends have immediate access to their money, while traditional services can take up to a week.

Your family doesn't need anything special — any Mexican bank account that supports digital banking will work, and they don't even need to download the Morse app. You can send money by withdrawing pesos from your Morse Wallet to your Mexican bank account, then transferring to their account via SPEI, just like you normally would.

But if your family does have a Morse account, they unlock real benefits:

• Currency stability: Hold money as stable digital dollars (USDP) and convert to pesos only when exchange rates work in their favor, protecting them against peso volatility
• Complete control: They choose when to withdraw, and how much to convert — money moves on their schedule, not yours
• Global flexibility: Bidirectional transfers to anyone across 150+ countries instantly, not just receiving
• Better rates: Real exchange rates with no hidden markups — often saving 3–5% in fees on each transfer compared to traditional services (based on leading money transfer providers in August 2025)

So while your family doesn't need anything besides a regular Mexican bank account to receive money, having Morse gives them much more financial control and protection from currency fluctuations.

No. Wallet-to-wallet transfers within Morse only require finding the recipient's name in your contacts — no CLABE (Clave Bancaria Estandarizada) needed. You only need a CLABE (Mexico's 18-digit bank identifier) when sending pesos directly via SPEI bank transfers.

We're regulated by the AFM in the Netherlands and registered with FinCEN in the U.S. Your money is securely held as stablecoins (digital versions of major currencies like USD and EUR), each one backed by actual reserves held in regulated accounts. Think of it as digital cash that's as safe as the money in your bank account. Plus, you own your money in this self-custodial digital wallet — which means we can't access it.

You can send money instantly from your Morse Wallet any day, any time — whether transferring digital dollars to another Morse Wallet or withdrawing pesos to your Mexican bank account to send via SPEI.