This page lists official places to get help with budgeting, banking, credit reports, borrowing, tax, federal programs, scams and complaints in Mexico. Every service here is run by the federal government, Banco de México, or a public agency that protects financial users, consumers or taxpayers; the websites are in Spanish, so each official name is given in Spanish with a short description in English, and we only call something free where the official page says so.
Educa tu Cartera (CONDUSEF)CONDUSEF’s financial education site, with short online courses (cursos cortos en línea), online diplomas (diplomados en línea), a workshop and learning materials.webappsos.condusef.gob.mx/EducaTuCartera/index.html
Planificador de Presupuesto Personal y Familiar (CONDUSEF)A personal and family budget planner: you enter your income (ingresos) and spending (gastos) to see where your money goes. CONDUSEF notes that the results depend on the figures you enter.phpapps.condusef.gob.mx/planifica/index.php
Simuladores y Calculadoras (CONDUSEF)CONDUSEF’s simulators and calculators for comparing options on savings and investment, credit cards, minimum payments, personal, payroll, car and home loans, and insurance, plus a budget tool.www.gob.mx/condusef/acciones-y-programas/simuladores-y-calculadoras-23921
Banxico Educa (Banco de México)The central bank’s education site, with tools for thinking about everyday money decisions, short explainer videos and Banxico Forma, its platform of free online courses on money and decision-making.educa.banxico.org.mx
Banking and deposit protection
Instituto para la Protección al Ahorro Bancario (IPAB)The federal institution that runs bank deposit insurance (Seguro de Depósitos Bancarios). It covers deposits up to 400,000 UDIs (inflation-indexed units), automatically and free, with no paperwork needed to be repaid, including checking, savings and debit card accounts and certificates of deposit.www.gob.mx/ipab/que-hacemos
Cuentas bancarias básicas (Banco de México)Explains the basic bank accounts (cuentas básicas) that banks must offer with no commissions for opening and keeping the account, a debit card, deposits, card payments, and withdrawals and balance checks at the bank’s own branches and ATMs, and lists the banks that offer them.www.banxico.org.mx/CuentasBasicas
Buró de Entidades Financieras (CONDUSEF)A government lookup tool to compare banks, insurers, savings institutions and other financial institutions and their products: their fees and rates, user complaints, sanctions and abusive contract clauses.www.buro.gob.mx
Credit reports and disputes
¿En cuánto tiempo me borran del Buró de Crédito? (CONDUSEF)CONDUSEF explains credit reports: the law gives you a free credit report once every 12 months, and you can check it free at CONDUSEF’s offices. You have two free disputes (reclamaciones) a year with Buró de Crédito, unpaid debts are deleted after set periods, and no one can remove you from the bureau for a payment.www.condusef.gob.mx/?p=contenido&idc=267&idcat=3
Unidades de Atención a Usuarios (CONDUSEF)CONDUSEF’s service offices, with all services free. Go to them, with an appointment, if a correction you asked for on your credit report was not made, if a credit you don’t recognize appears on it, or for other problems with a bank, insurer or savings institution. Phone 55 53 400 999.www.condusef.gob.mx/uau
Borrowing and debt help
Sistema de Registro de Prestadores de Servicios Financieros (SIPRES)CONDUSEF’s public register of financial institutions, created by law. Check a lender’s address and status before you sign; if an institution is not in the register, it is not a financial institution or it is not following the rules.webapps.condusef.gob.mx/SIPRES/jsp/pub/index.jsp
Registro de Despachos de Cobranza (REDECO)CONDUSEF’s register of the debt collection agencies that financial institutions use, with their names, addresses, phone numbers and email addresses. Anyone can file a complaint there about how a debt is being collected and follow it up online.eduweb.condusef.gob.mx/redeco/redeco.aspx
Tax filing help and benefits
Servicio de Administración Tributaria (SAT): personasThe federal tax agency’s portal for individuals (personas), organized by tax regime, such as wages and salaries (sueldos y salarios). For help, the SAT lists its MarcaSAT phone line, 55 627 22 728.www.sat.gob.mx/portal/public/personas-fisicas
Información sobre devoluciones (SAT)How tax refunds work. If you file your annual return (Declaración Anual) on time and are owed income tax (a saldo a favor), you can usually get the refund automatically by choosing it and giving your 18-digit CLABE bank account number and your bank’s name.www.gob.mx/sat/acciones-y-programas/informacion-general-144894
Asesoría (Procuraduría de la Defensa del Contribuyente, PRODECON)The taxpayer defense office advises people with problems with federal tax authorities, such as the SAT, IMSS or INFONAVIT, and explains the options. Toll-free line 800 611 0190, Monday to Friday, 9:00 to 18:00.www.gob.mx/prodecon/acciones-y-programas/asesoria-27466
Quejas y Reclamaciones (PRODECON)A free complaint to PRODECON when you think a federal tax authority has violated your rights as a taxpayer. It investigates and can issue a public recommendation, which the authority is not obliged to follow.www.gob.mx/prodecon/acciones-y-programas/quejas-y-reclamaciones
Programas para el BienestarThe federal government’s portal of social programs, with each program’s requirements and the ones open for registration now. You can filter by group, including women, children, young people, Indigenous people, older adults and people with disabilities.www.programasparaelbienestar.gob.mx
Scams and fraud
Portal de Fraudes Financieros (CONDUSEF)Look up a phone number, a fake web page, an impersonated institution or an email address that contacted you, and share what happened so others are warned. A formal criminal report goes to the authorities the portal lists under ¿Dónde denunciar? (where to report).phpapps.condusef.gob.mx/fraudes_financieros/index.php
Consulta y reporte de números sospechosos (CONDUSEF)Check whether a phone number has reports of fraud, spam or suspicious calls, and report a number that contacted you.herramientaconsultayreporta.condusef.gob.mx
¿Cargos no reconocidos? (CONDUSEF)What to do about card charges you don’t recognize: call your bank and cancel the card, file a claim with the bank’s Unidad Especializada (UNE, complaints unit) and keep the receipt with its folio (reference number). The bank has up to 45 days to investigate and can’t report you to the credit bureau over the disputed charge.www.condusef.gob.mx/?idc=1731&idcat=3&p=contenido
Mantente alerta ante el Robo de Identidad (CONDUSEF)How identity theft works and what to do: never give account details by phone, text, email or social media; if your cards are stolen, tell your bank at once; if your ID documents are stolen, report it to the Ministerio Público (public prosecutor) and ask the issuing bodies to cancel and reissue them.www.condusef.gob.mx/?idc=1713&idcat=1&p=contenido
Correos falsos identificados (SAT)The SAT does not send software, ask you to download files, ask for personal information or passwords, or send links by email. This page explains how to spot fake SAT messages and links to its search tool for known fake email addresses.www.gob.mx/sat/acciones-y-programas/correos-falsos-identificados
Complaints about banks, lenders and shops
Registro Único de Trámites (RUT, CONDUSEF)Register once to deal with CONDUSEF without going in person: ask for advice, file an electronic complaint or a formal claim (reclamación) against a financial institution, take part in conciliation hearings by phone or remotely, and request its free legal defense service (Servicio de Defensoría Legal Gratuita). You need a current official photo ID and your CURP.rut.condusef.gob.mx/public
Cómo presentar mi queja como persona consumidora (Procuraduría Federal del Consumidor, PROFECO)The federal consumer protection agency explains how to complain about a business that did not respect prices, quantities, delivery, guarantees or other terms: in person at a consumer defense office (ODECO), or online with companies registered in Concilianet and Conciliaexprés. Complaints about banks and other financial institutions go to CONDUSEF instead.www.gob.mx/profeco/documentos/tuviste-algun-problema-de-consumo
Teléfono del Consumidor (PROFECO)PROFECO’s free phone service: advice on your rights as a consumer, appointments at a consumer defense office, complaints, and its records of complaints against businesses (Buró Comercial). Open every day of the year.www.gob.mx/profeco/articulos/telefono-del-consumidor
Learn it in a session
Free one-hour Fluent sessions, each with a take-home sheet for Mexico.
Everyday money: A budget that survives a real month, what to do when income is irregular, and starting a small emergency fund.
Banking without the fees: Choosing an account, avoiding overdraft and check-cashing costs, and what protects your money in a bank, a credit union or a payment app.
Credit reports and scores: What a credit report holds, how to get yours, how to dispute errors, and how a score is built and rebuilt.
Borrowing safely: How interest and fees add up, comparing offers, and recognizing high-cost and predatory lending.
Tax time and benefits: Free filing help where it exists, credits and benefits people often miss, and keeping the records you will be asked for.
Scams and fraud: Scams as bank fraud teams see them: impersonation, payment redirection, romance and investment scams, identity theft, and what to do in the first hour.
Checked
Every link, opened.
Each page linked here was opened and checked on 22 October 2026. Services change: if a link no longer says what we describe, the official page is right. Tell us at hello@moraph.org.