Lex Blog

Payments: bank transfers at home and across borders

How Pix, SPEI, ACH, SEPA, wires, and remittances work, what they cost, how long they take, and when each one fits.

Guides in this topic

Compare Lex, Western Union, and MoneyGram by total cost, usable money received, timing, and cash-pickup needs.

Understand correspondent banks, conversion costs, and how local transfers plus stablecoins can offer another route.

Understand Pix keys, QR codes, timing, and how a local payment in Brazilian reais fits into a supported Lex transfer.

A practical guide to CLABE numbers, SPEI references, tracking keys, payment receipts, and Mexican peso transfers with Lex.

CBU, CVU, aliases, immediate transfers, and the difference between receiving pesos in an account and holding a peso stablecoin.

Why an ACH transfer can stay pending, how business days and bank holidays affect it, and what to check when funding Lex.

Understand domestic US wires: the account details to enter, bank cutoffs, and the tradeoff between speed and total cost.

What FedNow means for everyday payments, which questions to ask your bank, and why it does not imply instant Lex funding.

Understand IBANs, ordinary and instant euro transfers, what they cost, and how to check the SEPA route available in Lex.

Sort codes, account numbers, bank limits, how long a payment takes, and the role of a UK pound transfer in a supported Lex journey.

What a payment QR contains, why a Pix QR is not a stablecoin QR, and how to request, scan, review, and send supported assets with Lex.