{"id":864,"date":"2022-08-29T10:50:43","date_gmt":"2022-08-29T15:50:43","guid":{"rendered":"https:\/\/internshipinmexico.com\/?p=864"},"modified":"2023-05-17T02:45:29","modified_gmt":"2023-05-17T08:45:29","slug":"money-tips-mexico","status":"publish","type":"post","link":"https:\/\/internshipinmexico.com\/fr\/conseils-dargent-mexique\/","title":{"rendered":"Conseils financiers au Mexique"},"content":{"rendered":"

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Vous voyagez ou vivez au Mexique ? Vous souhaitez en savoir plus sur l'utilisation de l'argent liquide ou d'une carte au Mexique ? Pr\u00e9parez-vous en lisant ce blog sur les conseils en mati\u00e8re d'argent au Mexique.<\/p>\n

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Peso mexicain <\/strong><\/p>\n

Au Mexique, on paie avec le peso mexicain (MXN\/MN), reconnaissable au symbole $. Sa valeur fluctue quotidiennement et nous vous recommandons de t\u00e9l\u00e9charger une application de gestion des devises, telle que<\/span>\u00a0Monnaie<\/em><\/a>.<\/p>\n

Esp\u00e8ces et cartes <\/strong><\/p>\n

N'oubliez pas d'informer votre banque (ou de le faire en ligne) que vous vous rendez au Mexique et que vous utiliserez votre carte sur place. C'est important, car la carte pourrait ne pas fonctionner dans le cas contraire. Dans notre cas, il \u00e9tait plus \u00e9conomique d'utiliser notre carte de d\u00e9bit que notre carte de cr\u00e9dit, car les frais sont moins \u00e9lev\u00e9s pour la carte de d\u00e9bit. Nous vous recommandons de faire des recherches aupr\u00e8s de votre banque locale pour obtenir des informations sur le co\u00fbt des paiements \u00e0 l'\u00e9tranger et dans une devise diff\u00e9rente. D'apr\u00e8s notre exp\u00e9rience, vous pouvez retirer de l'argent avec votre carte de d\u00e9bit dans presque toutes les banques mexicaines, mais les frais varient d'une banque \u00e0 l'autre. Lorsque vous retirez de l'argent \u00e0 un distributeur automatique, la banque peut vous facturer des frais pour les transactions \u00e0 l'\u00e9tranger.<\/p>\n

Quelles banques ?\u00a0<\/strong><\/p>\n

Les guichets automatiques que vous pouvez utiliser sont Santander, Scotiabank, Banorte, CiBanco, HSBC, et ainsi de suite (Santander \u00e9tait le moins cher pour nous). En tant qu'\u00e9tudiants n\u00e9erlandais, nous ne pouvions pas payer avec nos cartes de d\u00e9bit dans les restaurants, les bars, les supermarch\u00e9s, etc. Par cons\u00e9quent, nous avons surtout pay\u00e9 en liquide et utilis\u00e9 la carte de cr\u00e9dit en cas d'urgence. Faites attention \u00e0 l'endroit o\u00f9 vous utilisez votre carte, ne l'utilisez pas \u00e0 tous les coins de rue, dans tous les magasins ; suivez votre instinct.<\/p>\n

Baisse du taux de change <\/strong><\/p>\n

Lorsque la banque au Mexique vous demande d'accepter son taux de change, cliquez sur \"refuser\" ! Il est important de le faire, car ils utilisent leur propre taux alors que celui de votre banque est moins cher (presque dans tous les cas). Cela vous laissera un peu d'argent pour acheter de la tequila suppl\u00e9mentaire (tr\u00e8s important).<\/p>\n

Taux de change <\/strong><\/p>\n

Il est pr\u00e9f\u00e9rable d'\u00e9changer vos pesos restants dans votre propre banque, car c'est elle qui offre le meilleur taux. Si vous avez vraiment besoin de changer votre argent, vous pouvez rechercher sur internet les sites suivants Casa de Cambio<\/em> ou Service de change<\/em>. En raison de la forte concurrence, on dit qu'il est possible de trouver de bons taux de change \u00e0 l'a\u00e9roport de Mexico.<\/p>\n

Ouverture d'un compte bancaire <\/strong><\/p>\n

Vous envisagez de vivre au Mexique pendant une longue p\u00e9riode ? L'ouverture d'un compte bancaire peut \u00eatre une bonne solution. Dans la plupart des banques mexicaines, vous aurez besoin d'une carte de r\u00e9sidence temporaire ou permanente, d'un RFC (num\u00e9ro d'enregistrement pour la collecte des imp\u00f4ts), d'un passeport, d'un justificatif de domicile (facture de services publics ou compte Internet \u00e0 votre nom) et d'au moins 1 000 pesos mexicains. Pour plus d'informations sur l'ouverture d'un compte bancaire, consultez le blog du guide de la relocalisation au Mexique : Comment ouvrir un compte bancaire au Mexique<\/a><\/em>.<\/p>\n

Vous voulez d'autres conseils pratiques pour votre stage ou \u00e9change au Mexique ? Consultez nos blogs en cliquant sur ici<\/a><\/em>.<\/p>\n

\n

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Vous voyagez ou vivez au Mexique ? Dans ce blog, vous trouverez des conseils sur l'argent au Mexique et tout ce que vous devez savoir sur le paiement en esp\u00e8ces ou par carte !<\/p>","protected":false},"author":3,"featured_media":867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"

Once you are travelling or living in Mexico, it\u2019s of course important you\u2019ll be able to pay all your stuff. When you are travelling or just living for a short period in Mexico, it\u2019s not possible to get a Mexican bank account. When it\u2019s your plan to live longer in Mexico, you could open one. In Mexico they pay with the Mexican (MXN\/MN) Peso, and you can recognize it by the symbol; $. The value of the Mexican Peso fluctuates per day, and we suggest downloading a currency app, like Currency.<\/p>

Cash or card <\/strong><\/p>

Keep in mind to call your bank (or do it online) that you\u2019ll be travelling to Mexico and you\u2019ll use your card over there. This is important because it\u2019s possible that the card does not work otherwise. In our case it was more affordable to use our debit card instead of your credit one, because they ask more fees. We suggest to do some research at your local bank to get the information about the fees of paying abroad and in another currency. What we experienced is that getting cash with your debit card is possible at almost every Mexican bank, but the costs between banks differ. When you are getting cash at an ATM, the bank may charge you a Foreign Transaction fee. Other good ATM\u2019s that you could use are: Santander, Scotiabank, Banorte, CiBanco, and there are a few more (Santander was the cheapest one for us). We (as Dutch students) were not able to pay with our debit card in restaurants, bars, supermarkets etc. Because of this, we paid most of the times by cash and used the credit card as an emergency option. We would like to add that you need to be careful where to use your credit card, just don\u2019t use it on every corner at every shop; go with your gut feeling.<\/p>

Decline exchange rate <\/strong><\/p>

When the bank in Mexico asks you to accept their exchange rate; click on decline! This is important to do otherwise they use their own rate while the rate of your bank is cheaper (almost in all cases). We can assure you that this will leave you some money to buy extra tequila sunrise (very important).<\/p>

Currency Exchanges<\/strong><\/p>

It\u2019s best to exchange your leftover Pesos at your own bank, because they\u2019ll offer you the best rate. If you really need to exchange your money, you could search on the internet for \u201cCasa de Cambio\u201d or \u201cCurrency Exchange Service\u201d. Due to high competition, they say you can find good exchange prices at the Mexico City\u2019s airport<\/p>

Opening a bank account <\/strong><\/p>

You are planning to live for a longer period in Mexico? Opening a bank account could be a good option. At most Mexican banks you\u2019ll need to have: Temporary or Permanent Resident Card, RFC (registration number for tax collection), passport, proof of address (utility bill or internet bill with your name on it), and at leads 1,000 Mexican Pesos. If you want some more information about opening a bank account, you could read the blog of the Mexican Relocation Guide: How To Open A Bank Account In Mexico written by Mariana Lange.<\/p>","_et_gb_content_width":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_joinchat":[]},"categories":[5],"tags":[],"aioseo_notices":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/internshipinmexico.com\/wp-content\/uploads\/2022\/08\/Image-ATM-scaled.jpg?fit=2048%2C2560&ssl=1","_links":{"self":[{"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/posts\/864"}],"collection":[{"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/comments?post=864"}],"version-history":[{"count":20,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/posts\/864\/revisions"}],"predecessor-version":[{"id":2121,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/posts\/864\/revisions\/2121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/media\/867"}],"wp:attachment":[{"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/media?parent=864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/categories?post=864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/internshipinmexico.com\/fr\/wp-json\/wp\/v2\/tags?post=864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}