Hong Kong & Overseas Bank Account OpeningIndependent third-party account-opening appointment service · Hong Kong & overseas
Hong Kong +852 9298 4213Shenzhen +86 159 2000 2080Drew@sfc8.com
Rengangyongsheng logoHong Kong Bank Account OpeningRengangyongsheng | Bank Account Appointment Service ProviderRGYS · BANK ACCOUNT SERVICESBook an appointment with Drew

Overseas banking/Mexico

AmericasMexicoLicensed-entity research

Banco Inbursa, S.A., Institución de Banca Múltiple, Grupo Financiero Inbursa

Banco Inbursa, Sociedad Anónima, Institución de Banca Múltiple, Grupo Financiero Inbursa

Inbursa Group's official website lists Banco Inbursa as a multiple banking institution within the group and states that it was established in 1993. CONDUSEF's official name list gives its corporate name as Banco Inbursa, Sociedad Anónima, Institución de Banca Múltiple, Grupo Financiero Inbursa, and the group's history separately lists its Brazilian operating entity; this file refers only to the Mexican banking entity. The official website's basic personal account page states that foreign nationals need a valid passport and FM2 or FM3 and must apply at a branch. The business account page publishes requirements for Mexican legal entities. Acceptance of foreign non-resident individuals and foreign legal entities has not been publicly confirmed, and the current CNBV entity-specific license record remains to be verified.

Regulator
National Banking and Securities Commission of Mexico (Comisión Nacional Bancaria y de Valores, CNBV)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The bank's personal and business account product pages, account documents, tax registration and CRS/FATCA and AML baselines have been reviewed. The Mexican banking entity has been identified from the official group history and CONDUSEF name list. However, the current individual record/licence details for Banco Inbursa in CNBV's dynamic directory were not obtained, so licence verification has not been marked complete. Account-opening eligibility for overseas non-resident individuals, acceptance policies for overseas legal entities, non-public review documents and processing timelines still require written confirmation from the bank.

Research scope and official resources

Topic number:americas-banco-inbursa-sa

selection.json lists this among regional selections of large Mexican banks related to The Banker Top 1000 World Banks 2026; the candidate record does not claim an individual rank or metric and does not represent evidence of licensing or acceptance of account applications. This profile is researched as of 2026-10-26; it is not a real-time global top 100 ranking.

Bank’s official website

Personal Eligibility and Documents

The official personal products page publicly offers “Cuenta Básica al Público en General” and requires applicants to apply at an Inbursa branch. For foreign nationals, it lists a valid passport and FM2 or FM3, CURP, and proof of address that meets the requirements. This document list supports only the conclusion that people applying in Mexico who can meet the listed requirements may apply; it is not an explicit commitment that all foreign residents are eligible. The bank does not state on that page whether nonresidents living abroad can open an account, what current immigration status is required, or whether a foreign address or foreign tax number is accepted. It also does not publish a nonresident exception policy. Written confirmation from the bank is required.

Personal information publicly disclosed or identified

  • The bank’s published application documents for Cuenta Básica al Público en General: valid official identity document, usually a voter ID (INE/IFE). If the applicant does not have an INE/IFE, the bank’s page permits a valid passport together with a driving licence or laminated IMSS card. For foreigners, it specifically states a valid passport and FM2 or FM3. The bank does not explain how these immigration document terms correspond to current foreign residence categories; confirm before proceeding.
  • CURP (Mexico’s unique population registry code); the bank’s website does not state whether foreign applicants may use another number instead.
  • Proof of address dated within 3 months: a landline bill in the applicant's name or a mobile phone bill under a service plan. If none of these documents is available, the page allows submission of a relative's landline bill together with the applicant's own paid-TV/internet bill (the page lists IZZI, Sky, and Mega Cable), or an electricity, water, or property tax bill. Follow the bank's confirmation of acceptable documents at the time of application.
  • Complete the Contrato Global, Carátula, and Registro de las Firmas; the page says a bank relationship manager will assist.

Company eligibility and documents

Cuenta Inbursa CT Empresarial is for a Persona Moral. The bank publicly requires, among other things, the company's incorporation/constitutional documents notarised and registered with Mexico's Public Registry, proof of the company's tax address, a Constancia de Situación Fiscal, and documents for its legal representative. This indicates that the public information primarily covers legal entities able to provide Mexican registration and tax documents. The website does not explicitly confirm whether foreign-incorporated companies, foreign businesses without a permanent establishment in Mexico, or representatives located abroad can open accounts. SAT rules on tax registration for foreign legal entities must not be treated as a commitment by the bank to accept foreign companies; confirm entity eligibility, document format, and translation/authentication requirements with the bank in writing.

Company information publicly disclosed or identified

  • Bank checklist applicable to Cuenta Inbursa CT Empresarial: articles of incorporation/formation documents, notarized or certified by a notary public broker and registered with the Public Registry of Property and Commerce; or a partnership agreement issued by the Ministry of Economy and registered with the corresponding registry.
  • Appointment documents for company officers, agents, trustees, and others, notarized or certified by a notarial agent and registered.
  • Valid official identity documents for the legal representative and authorized account signatories (voter ID or passport).
  • Proof of address that exactly matches the company's tax address, is addressed to the company under its legal name or to its legal representative, and has a payment due date no more than 3 months ago. The bank lists landline/voice mobile phone, electricity, water, and property tax bills, among others. Some water/electricity/property tax bills also require supplementary phone evidence, as specified by the bank, to register a number.
  • Constancia de Situación Fiscal (tax status certificate) and confirmation of a valid advanced electronic signature certificate (FIEL/e.firma).
  • Account application form (Solicitud), Carátula, Formato de Identificación de Propietarios Reales (beneficial owner identification form); if applying for the relevant services, also submit the business online banking supplement and/or business debit card documents.

Address, tax, and remote / witnessed procedures

Address and tax

The bank’s personal basic account requires proof of a local Mexican address; listed documents must be dated within 3 months. The publicly listed identification requirements for foreign nationals also include a valid passport and FM2/FM3. The personal account page lists CURP, but does not list a personal RFC as an account-opening document for this product; it should not be added as a bank requirement. The SAT’s official process for personal RFC registration states that foreigners applying in person at an SAT office need valid immigration documents, proof of tax address and identification. SAT/OECD tax identification information states that RFC applicability is triggered by obligations under Mexican tax law; whether an individual must register depends on their tax circumstances. The business CT account expressly requires a company tax address in Mexico and a Constancia de Situación Fiscal. SAT materials on legal-entity registration describe specific tax registration situations for foreign legal entities, but this is not evidence that Inbursa accepts accounts from foreign legal entities.

Remote / witnessing

The publicly available steps for both personal basic accounts and business CT accounts direct applicants to apply at their chosen Inbursa branch. No public information was found stating that the bank permits account opening remotely from anywhere in the world, video witnessing, or substitution of in-person attendance with an overseas notary/third-party witness; remote processing must not be assumed. If an applicant cannot travel to Mexico in person, they must first confirm with the bank whether a written exception applies to their circumstances.

Public process reference

  1. First select a specific product and confirm with Inbursa whether the applicant’s identity, place of residence and legal entity’s place of incorporation fall within its acceptance criteria. Public information does not confirm eligibility for non-resident individuals abroad or foreign companies.
  2. For the relevant product, prepare the identity, CURP/tax, proof of address, and contract forms listed on the bank’s website. Legal entities also need formation/registration documents, information on authorized signatories, tax documents, electronic signatures, and identification materials for beneficial owners. Confirm with the bank the translation, notarization, or authentication requirements for foreign documents.
  3. As publicly instructed by the bank, visit the selected Inbursa branch and submit the documents. Individuals complete the Contrato Global, Carátula, and signature registration; legal entities complete the applicable forms, including the Solicitud, Carátula, and actual owner identification form.
  4. Wait for the bank to conduct identity, tax, beneficial ownership, and compliance reviews, and confirm whether it will accept the application and the final account-opening conditions. The public page does not provide review criteria for applicants outside the country, a committed processing timeframe, or a way to bypass an in-person visit.

Compliance topics, details, and sources

Mexico AML/KYC and counter-terrorist financing

The CNBV’s page on regulations for credit institutions lists the general provisions on preventing money laundering and terrorist financing under Article 115 of the Law on Credit Institutions, along with amendments. Inbursa’s personal products publicly request valid identification, CURP and proof of address; corporate accounts also list documents for authorized representatives and the tax address. This regulatory directory is not the bank’s complete internal due-diligence policy. The bank should explain any specific additional-document requests, transaction-purpose requirements and enhanced-review requirements.

Source:Banco Inbursa — Cuenta Básica al Público en General ；Banco Inbursa — Cuenta Inbursa CT Empresarial ；CNBV — Disposiciones Legales Instituciones de Crédito

Ultimate owners, control, and source of funds

The business CT account materials expressly list the Formato de Identificación de Propietarios Reales. Applicants should accurately disclose beneficial owners and control relationships. The official website does not publish a complete list of proof of source of funds/wealth; the bank may request additional documents on a case-by-case basis, and the specific requirements should be confirmed in writing. Submit information truthfully; do not conceal beneficial owners or evade review.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial ；CNBV — Disposiciones Legales Instituciones de Crédito

Mexico RFC and CRS tax residency self-certification

SAT provides information on CRS automatic exchange of financial account information. The OECD’s information on Mexican tax identification numbers describes Mexico’s RFC as a tax identification number and outlines the RFC structure and registration rules for individuals and legal entities. Whether RFC registration applies to a particular applicant depends on the facts and obligations under Mexican tax law; the bank’s basic personal account page does not expressly list an individual RFC as a required document for this product. Financial institutions’ obligations to obtain tax-residence declarations and report accounts may apply; applicants should complete bank forms based on their actual tax-residence status.

Source:SAT — Inscripción en el RFC de personas físicas ；SAT — Inscripción en el RFC de personas morales ；OECD — Mexico: Information on Tax Identification Numbers ；SAT — Intercambio Automático de Información Financiera

FATCA and U.S. tax status

The U.S. Department of the Treasury’s current FATCA agreement list identifies Mexico as a jurisdiction with an in-force Model 1 intergovernmental agreement. The Treasury explains that FATCA requires foreign financial institutions to report financial account information for U.S. taxpayers. SAT also maintains official information-exchange pages for FATCA and CRS. FATCA and CRS are separate frameworks; the United States is not described here as a CRS participating jurisdiction, and no inference is made that a specific Inbursa account will trigger a particular type of reporting.

Source:SAT — Intercambio Automático de Información Financiera ；U.S. Department of the Treasury — Foreign Account Tax Compliance Act

Sanctions and list screening

Mexico's regulatory framework for AML/counter-terrorist financing at credit institutions is covered by Article 115 of the regulations listed by the CNBV, but the bank account-opening product pages reviewed do not disclose which domestic or foreign sanctions lists Inbursa uses, its screening frequency, or its refusal criteria. Applicants should expect the bank to carry out applicable compliance reviews and should truthfully disclose identity, controllers, and source of funds. Confirm the specific screening basis and account restrictions with the bank; do not seek to evade screening.

Source:CNBV — Disposiciones Legales Instituciones de Crédito ；Banco Inbursa — Cuenta Básica al Público en General ；Banco Inbursa — Cuenta Inbursa CT Empresarial

Limits of deposit protection

Inbursa's pages for its basic personal account and CT business account both state that the products are protected by IPAB, up to 400,000 UDI per customer per institution; a CNBV regulatory directory page also summarizes the deposit protection limit. IPAB cautions that not all banking services are protected. Eligibility for protection must therefore be verified based on the specific account and nature of the funds; the limit must not be understood to mean that all products or transactions are covered.

Source:Banco Inbursa — Cuenta Básica al Público en General ；Banco Inbursa — Cuenta Inbursa CT Empresarial ；CNBV — Padrón de Entidades Supervisadas ；IPAB — Bancos con productos protegidos por el IPAB

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide covers only the Mexican legal entity Banco Inbursa, S.A., Institución de Banca Múltiple, Grupo Financiero Inbursa, and is based on public information on the official website for Cuenta Inbursa CT Empresarial (an account for legal entities in Mexico). The bank requires company incorporation/registration in Mexico, proof of tax status, and an in-branch application. Eligibility for foreign-registered companies, foreign nonresidents, and remote account opening has not been publicly confirmed by the bank. The following does not confirm application eligibility or promise account opening.

Date information checked:2026-10-26

Information evidence package

Mexican legal entity identity, authorization, and tax address

Who it applies to
Legal entities intending to apply for Cuenta Inbursa CT Empresarial; the publicly available list on the official website is for Persona Moral entities able to provide Mexican registration and tax documents.
Documents to Prepare
  • Prepare, in accordance with the bank’s list, company incorporation documents notarized or certified by a notary public and registered with the Public Property and Commercial Registry; also prepare registered documents appointing directors, agents and account signatories.
  • Prepare proof of address in the company’s legal name or the legal representative’s name, matching the tax address exactly, with a payment due date no more than 3 months ago, as well as the Constancia de Situación Fiscal and credentials confirming a valid FIEL/e.firma certificate.
  • Prepare valid official identification for the legal representative and authorized signatories. Keep the registration extract, authorization resolutions and records linking each person to their signing authority on file, to help explain who is authorized to open and operate the account.
Description
The bank expressly requires the company registration, authorization, tax, and address documents listed above, and requires applicants to visit their selected Inbursa branch. The page does not explain certification, apostille, translation language, original-document, or certified-copy requirements for foreign documents, nor does it confirm that foreign legal entities can open accounts. Confirm with the bank in writing first; do not treat general cross-border document practices as requirements of this bank.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial

Ultimate owner and control-chain document package

Who it applies to
The applicant legal entity and its direct and indirect shareholders, ultimate individual beneficial owners, or other persons exercising actual control; board, trust, or nominee arrangements should also be described when they involve control.
Documents to Prepare
  • Prepare an ownership and control chart tracing the ownership chain through to the natural persons. Show each level’s legal name, place of incorporation, ownership percentage, and method of control, and prepare shareholder registers, equity/capital contribution evidence, and registration documents to support the information in the chart.
  • Prepare proof of identity for the ultimate natural persons and intermediate holding entities, proof of registration, and authorization/control documents. If actual control is not based solely on share ownership, include a one-page explanation of the basis for decision-making rights, voting rights or other arrangements.
  • Complete the Formato de Identificación de Propietarios Reales specifically listed by the bank, and retain the signed version and records showing that it has been cross-checked against the company registration and shareholder register.
Description
Inbursa's CT page expressly lists an ultimate beneficial owner identification form, but does not disclose the form fields, acceptance thresholds, or acceptable substitute evidence. CNBV guidance describes the ultimate beneficial owner as the natural person who ultimately benefits from a transaction and has rights such as the use or disposal of resources. It also notes that financial institutions may identify the ultimate beneficial owners of Mexican or foreign corporate customers based on risk. Do not apply a supposedly universal 25% threshold that the bank has not confirmed.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；CNBV — Lineamientos para la identificación del Propietario Real

Evidence of Source of Funds, Business Purpose, and Expected Transactions

Who it applies to
As a general due diligence preparation suggestion, applicable to companies planning to receive or make business payments through a business account. The bank has not published a complete source-of-funds/source-of-wealth checklist for this product.
Documents to Prepare
  • Prepare documents that link to the source of funds for the actual business, such as recent bank statements, audited or financial statements, tax returns/financial summaries, shareholder contribution resolutions, and corresponding deposit records. Provide only documents that are consistent with the company’s actual circumstances and can be explained.
  • Prepare contracts, invoices, orders, or project agreements with key customers/suppliers. Explain the business activity generating the income, the relationship between the payer and payee, and the business rationale for large or cross-border payments.
  • Prepare an estimated transaction profile: monthly/annual ranges of incoming and outgoing funds, commonly used currencies, main countries/regions, types of counterparties and reasons for large payments. Include contracts, orders or historical account statements as the basis for the estimates.
Description
The above is a preparation recommendation to help applicants explain their actual business in advance, not a mandatory checklist published by the bank. The bank has not published specific document years, audit requirements, translation languages, financial thresholds, or processing times; first ask the bank whether additional documents are needed and what formats are acceptable.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

Due diligence and enhanced verification

Ultimate owners, control, and complex ownership structure

Basis for Verification
The bank’s CT product list expressly includes an actual beneficial owner identification form. CNBV guidance explains that actual beneficial owner identification applies to relationships between financial institutions and customers/users and may cover Mexican or foreign legal entities, among other cases. This guidance is not Inbursa’s complete internal form or risk threshold.
Preparation recommendation
It is advisable to disclose direct and indirect ownership, ultimate natural persons and non-equity control arrangements at each level. For nominee shareholders, trusts, cross-border holding chains or discrepancies between ownership percentages and actual decision-making rights, prepare registration evidence and a clear explanation. Do not conceal controllers or assume that a fixed ownership percentage automatically exempts anyone from disclosure.
Scope
The bank expressly states that an actual beneficial owner identification form must be submitted, in addition to regulatory identification guidance; specific thresholds, verification methods, and the extent of requests for additional documents are not public.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；CNBV — Lineamientos para la identificación del Propietario Real

Source of funds/wealth and transaction profile

Basis for Verification
The bank’s anti-money laundering rules under Article 115 form the regulatory basis for customer identity and risk reviews. The official amended text reviewed states that simplified identification measures must not be used for suspicious funds; this does not mean that Inbursa has published the specific risk scoring, amount limits, or source-of-funds checklist it applies to this account.
Preparation recommendation
It is advisable to map shareholder contributions, business revenue, asset disposals, or project funds individually to contracts, invoices, bank statements, and accounting records, and ensure the expected transaction profile matches the company’s business, scale, and counterparties. For one-off large or unusual cross-border payments, prepare the commercial background and payment-chain explanation in advance.
Scope
Mexican regulatory baseline plus general preparation suggestions; it should not be assumed that the bank will necessarily require every item listed.

Source:Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

PEP, sanctions screening and complex relationships

Basis for Verification
The Inbursa product pages reviewed for this research do not publish its PEP/sanctions screening lists, name-match procedures, enhanced-review thresholds, or rejection rules. PEP status is not itself equivalent to being a sanctions target, and does not establish that an account application will necessarily be rejected. The bank’s specific policies must be confirmed on a case-by-case basis.
Preparation recommendation
If the bank asks, accurately disclose your own, a controller’s or a key related person’s public office/political connections and relevant status. Be prepared to explain the period in office, position, source of funds and purpose of the account. For a sanctions-screening match involving a similar name, prepare verifiable identity information so the bank can clarify it; do not try to evade screening.
Scope
Bank internal review standards are not published; general preparation is recommended. General screening practices are not presented as an expressly stated list of this bank.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

Tax Residency Status, Tax Identification Number, and Cross-Border Reporting

Basis for Verification
The company CT account page expressly requires a Mexican Constancia de Situación Fiscal. The SAT’s official financial account information exchange portal lists separate information portals for FATCA and CRS, but this does not establish that any particular customer or account will necessarily be subject to reporting. The tax self-certification form and submission timing for this product are not publicly disclosed.
Preparation recommendation
First list the company’s and relevant controllers’ tax residences, local tax numbers and tax status, and prepare tax registration information based on the actual circumstances. At the appointment, ask the bank which FATCA/CRS declarations must be completed, whether tax-residence information for controlling persons is involved, and how to correct details after a change in tax status. Do not mistake the recommendation to prepare tax numbers for a uniform account-opening requirement imposed by the bank.
Scope
The bank expressly sets out Mexican business tax documents, the SAT information exchange framework, and general preparation recommendations. Specific cross-border reporting obligations depend on the customer’s circumstances and the bank’s forms.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；SAT — Intercambio Automático de Información Financiera

Ongoing maintenance obligations

Review of Corporate Customer Information, Beneficial Owners, and Risk Changes

Article 21ª of the verified official amended text of Rule 115 requires legal-entity client file information and documents to be kept up to date. For low-risk legal entities, updates may be waived as provided in the bank's own compliance manual; high-risk client files must be verified at least annually. If transaction behaviour deviates significantly from customary patterns without reasonable grounds, or doubts arise about the authenticity/accuracy of submitted information, the rules require corresponding risk reassessment and verification, and requests for updated information. The bank's internal classifications, notification methods and specific current operational cycles are not publicly disclosed; its current implementation practices should in particular be confirmed with the bank.

Source:Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

Maintain explainable transaction and business evidence

The rules permit banks to request additional verification during an ongoing relationship if the transaction profile changes significantly or information raises questions. As a good practice, retain contracts, invoices, statements, and payment receipts, and contact the bank promptly to confirm whether the profile needs updating if there is a material change in the business model, control, main transaction countries, or expected transaction volume. No fixed notification deadline or general transaction threshold published by the bank was found.

Source:Banco Inbursa — Cuenta Inbursa CT Empresarial；Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

Maintaining Tax Residency and Contact Information

Public information from SAT describes Mexico’s financial accounts as being covered by CRS and FATCA information exchange frameworks. It is advisable to ask the bank whether a declaration needs to be amended or supporting documents provided if there is a change in control, tax residence, tax identification number, legal representative, or contact address. Public information does not specify the annual self-certification frequency, deadline for reporting changes, or specific reporting outcome for this Inbursa account.

Source:SAT — Intercambio Automático de Información Financiera

Please confirm with the bank before booking

  1. Does Cuenta CT Empresarial accept applications only from legal entities registered in Mexico with a tax address in Mexico? Is there a product available for foreign-incorporated companies, companies without a permanent establishment in Mexico, or signatories located abroad?
  2. How should the ultimate owner identification form be completed for direct/indirect ownership, control, trusts, or nominee arrangements? What identification criteria does the bank use, and does it require disclosure of all ultimate natural persons without a minimum ownership percentage?
  3. Must incorporation, shareholder, and authorisation documents be submitted as originals or certified copies? What are the requirements for authentication/apostille of foreign documents, translation language, and translator qualifications?
  4. For a company account, are documents on source of funds, source of wealth, business contracts, expected transaction volume, or main transaction countries required? Which are mandatory for account opening, and which are only requested for enhanced due diligence?
  5. Which FATCA/CRS tax-residency self-certifications must the company or its controlling persons complete? How and within what timeframe should they be updated if the tax residence, tax identification number, or controlling persons change?
  6. Must the legal representative and signatories travel to a branch to apply? Are the specific review timeframe, process for submitting additional documents, current fees, and minimum initial deposit before account opening governed by the website's CT page?

Not confirmed by public information

  • The official CT page shows only paths involving Mexican corporate registration, tax matters, and in-person processing at a local branch. Eligibility for foreign companies and foreign nonresidents, cross-border products, and exceptions for accepting applications are not publicly disclosed.
  • Although an ultimate owner form is listed as an application document, the field descriptions, beneficiary thresholds, scope of controllers, document certification requirements, and the bank’s risk-tiering policy are not publicly available; this guide does not invent a general threshold of 25%.
  • The bank has not published a complete source of funds/source of wealth checklist, PEP/sanctions lists and screening details, FATCA/CRS forms, case-specific enhanced review triggers, or account opening timelines.
  • The official website requires an in-branch application; this does not establish that overseas notarization, video witnessing, or an agent can be used instead. The bank's acceptance of foreign documents must be confirmed in writing before making an appointment.
  • The review requirement under Article 21ª cites the official amended text consulted; the bank’s current internal manual, customer risk classification, and specific review cycle for this account still need to be confirmed with the bank.
  • The official website lists a starting amount of 20,000 Mexican pesos and a monthly maintenance fee of 232 Mexican pesos for CT Empresarial. Fees and product terms are subject to the bank's latest disclosures at the time of application; this text does not infer charges for other products.

Sources & Scope of Verification

  1. Banco Inbursa — Cuenta Inbursa CT Empresarial

    The bank’s official account page expressly lists Mexican corporate formation and appointment registration documents, identity documents for representatives and signatories, proof of address matching the tax address and dated within three months, Constancia de Situación Fiscal, valid FIEL/e.firma credentials, an ultimate beneficial owner identification form, and an in-branch visit; the page does not specify whether foreign legal entities are accepted or provide a complete set of enhanced due diligence documents.

  2. Diario Oficial de la Federación — Resolución que reforma las Disposiciones del artículo 115 de la Ley de Instituciones de Crédito

    Amendments to the official gazette rules on anti-money laundering for credit institutions. The checked text of Article 21ª concerns updating legal-entity customer files, handling low-risk legal entities under the bank’s manual, reviewing high-risk files at least annually, and triggering reviews when there are significant transaction changes or doubts about information. This is an amendment to regulatory rules, not Inbursa’s internal KYC manual; the currently applicable version also needs to be confirmed.

  3. CNBV — Lineamientos para la identificación del Propietario Real

    The CNBV’s official guidance says that beneficial-owner identification focuses on the natural person who ultimately benefits from a transaction and has rights such as using or disposing of the resources. The applicable scenarios may include Mexican and foreign legal-entity customers. The guidance is not an explanation of Inbursa’s forms or the specific disclosure threshold for this product.

  4. SAT — Intercambio Automático de Información Financiera

    Mexico's tax authority lists separate official resources for FATCA and CRS financial account information exchange. This supports the existence of relevant regime information, but does not establish that a specific account is reportable or confirm the specific bank forms, frequency, or customer obligations.

Fees and timelines

As of 2026-10-26, the official Cuenta Básica al Público en General page reviewed stated that there is no minimum opening amount, but requires an average monthly balance of at least 70 times the current daily minimum wage in CDMX. The account may be closed if this requirement is not met for 3 consecutive months. The monthly incoming funds limit is 165 times that daily wage; if exceeded, the page states that the beneficiary account is converted to Cuenta Efe. The official Cuenta Inbursa CT Empresarial page listed a minimum opening amount of 20,000 Mexican pesos (M.N.) and a monthly management fee of 232.00 Mexican pesos; a separate fee schedule lists charges by channel/transaction type. These terms apply only to the specific products listed and the pages reviewed on that date. Amounts and conditions should be reconfirmed when applying. The bank has not published a processing time or guaranteed account-opening time for the overseas non-resident applicants covered by this file.

Limitations and practical considerations

  • The CNBV materials available in this review provide access to the regulatory directory and explain its dynamic search function. We did not obtain a current individual entry or licensing details for Banco Inbursa. Current license status should be marked as unverified and should not be inferred solely from a group or brand name or a candidate list.
  • The public checklist for individual foreign applicants requires a valid passport and FM2/FM3, CURP, and proof of a Mexican address; it has not been confirmed whether non-residents living abroad without a Mexican address or residence categories can be substituted.
  • Public business account materials are based on Mexican company registration, the company's tax address and SAT tax certificate. Whether foreign-registered companies can open accounts or whether a cross-border company product is available must be confirmed in writing by the bank.
  • The public process requires visiting an Inbursa branch; no global remote account-opening or overseas video/third-party witnessing options were found.
  • Minimum balance, deposit limits, minimum opening amount and fees apply only to the specific products described on the relevant pages and cannot be generalized to all Inbursa accounts. The exchange rate, the specific amount after conversion from the minimum daily wage, and non-public fees have not been verified.
  • Public materials are not an account-opening channel for which Rengangyongsheng (Hong Kong) Limited currently can book appointments or has established a partnership; account opening must be confirmed directly with the bank and is subject to the bank’s review.

Licensing evidence and regulatory verification

The entity name was cross-checked against CONDUSEF’s official list of bank corporate names and the Inbursa Group’s historical page. The group page records that Banco Inbursa was established as a multiple banking institution in 1993. CNBV’s official Padrón de Entidades Supervisadas (PES) explains that it lists entities currently operating under CNBV supervision and links to a search for institutions authorized to accept public deposits. However, this review accessed only the directory entry/information page; the interactive search did not display a readable individual record or license details for Banco Inbursa. Therefore, this does not support a claim that its current license has been verified. Confirm only after locating and retaining the current record under this legal name in the CNBV directory. A name listing is not proof of a license.

National Banking and Securities Commission of Mexico (Comisión Nacional Bancaria y de Valores, CNBV) Official registration or record

Information sources

  1. Banco Inbursa — Cuenta Básica al Público en General

    Eligibility for the bank’s personal basic account; application at a branch; valid passport and FM2/FM3 for foreign nationals; CURP; types and recency of proof of address; Contrato Global/Carátula/signature registration; and the opening deposit, average monthly balance, deposit limits, account closure rule for repeated failure to meet requirements, and IPAB disclosure for this specific product.

  2. Banco Inbursa — Cuenta Inbursa CT Empresarial

    Business CT account: legal incorporation and registration, appointment documents, representative and signatory identification, proof of the company’s tax address, Constancia de Situación Fiscal, valid FIEL/e.firma confirmation credentials, beneficial owner identification form, branch account-opening steps, the stated product minimum opening amount/fees, and IPAB disclosures. It does not state whether foreign companies are accepted.

  3. Grupo Financiero Inbursa — Acerca de Inbursa

    Inbursa Group's official historical account states that Banco Inbursa was established in 1993 as a multiple banking institution; it describes the Brazilian operating entity as a separate company, distinguishing the Mexican entity covered by this research from the Brazilian entity. The page is marked as updated on 2026-02-13.

  4. CONDUSEF — Lista de denominaciones sociales para poderes

    The CONDUSEF list gives the legal corporate name of Banco Inbursa, Sociedad Anónima, Institución de Banca Múltiple, Grupo Financiero Inbursa. This list supports name identification only and does not prove current licensing status.

  5. CNBV — Padrón de Entidades Supervisadas

    The CNBV’s official page says that the PES register covers entities currently operating and supervised by the CNBV, lists their corporate names, contact addresses and regulatory departments, and outlines the deposit-protection limit for banks. The page provides access to the directory, but we did not obtain a specific Banco Inbursa entry.

  6. CNBV — Disposiciones Legales Instituciones de Crédito

    The CNBV credit institution regulations page lists the anti-money laundering and counter-terrorist financing provisions under Article 115 of the Credit Institutions Law, along with amendments; this supports the Mexican banking AML/CTF regulatory baseline, not a complete internal KYC manual for Inbursa.

  7. SAT — Inscripción en el RFC de personas físicas

    SAT’s official process for individual RFC registration, valid immigration documents for certain foreign applicants, tax address and identification, and application deadlines triggered by legally defined tax events; this does not establish that an individual RFC is expressly listed as a required account-opening document for an Inbursa basic personal account.

  8. SAT — Inscripción en el RFC de personas morales

    SAT’s corporate RFC registration documents and procedures, including incorporation documents, tax representatives, and foreign tax identification information in certain cases involving foreign legal entities; this describes tax registration and is not a commitment that a bank will accept a foreign legal entity.

  9. OECD — Mexico: Information on Tax Identification Numbers

    The Mexican tax authority's registration guidance for the RFC as a tax number, the structure of individual and legal-entity RFCs, registration triggers, and an overview of documents for individuals and legal entities.

  10. SAT — Intercambio Automático de Información Financiera

    Mexico's SAT official portal for automatic exchange of financial account information provides separate resources for the FATCA intergovernmental agreement and the CRS, supporting a distinction between the two tax reporting frameworks.

  11. U.S. Department of the Treasury — Foreign Account Tax Compliance Act

    The U.S. Department of the Treasury explains that FATCA requires foreign financial institutions to report account information for U.S. taxpayers and lists Mexico as having an in-force Model 1 IGA. This does not support describing the United States as a CRS participating jurisdiction.

  12. OECD — Peer Review of the Automatic Exchange of Financial Account Information 2022: Mexico

    The OECD’s peer review of Mexico’s CRS/AEOI system records its annual information exchanges with exchange partners and assesses specific implementation; this review is a report for 2022 and does not replace the bank’s current customer reporting form.

  13. IPAB — Bancos con productos protegidos por el IPAB

    Mexico's deposit protection institution warns that not all banking transactions are protected by IPAB. Together with the product page's stated limit of 400,000 UDI per customer per institution, this serves as a reminder to check whether a specific product qualifies for protection.