Nómina Banamex Account



  • No account handling fee or minimum balance required.
  • You get one international debit card which allows you to make purchases in thousands of establishments, including supermarkets, convenience stores, cafeterias, gas stations, restaurants, cinemas and many more, eliminating the need to withdraw cash and the risk of carrying it around with you.
  • Enjoy the benefits of our Oferta Integral de Nómina (Comprenhensive offer of payroll) with an ample range of financial services tailored to your needs, such as credit cards, payroll, mortage and car loans, investments1 and insurance.
  • You can withdraw cash at no extra cost when paying with your Debit Card at Walmart, Comercial Mexicana, Office Depot, Soriana, Farmacias Guadalajara and Coppel.
  • You can also withdraw cash in more than 12,000 places in all the country, in a safe and cost-free way, including Banamex Automatic Tellers, branches and Banamex Aquí Correspondents.
  • Accidental death insurance for $35,000 pesos2, which will be subject to the terms and conditions of the current policy, which can be viewed in www.segurosbanamex.com.mx/SB/documentos/NominaBanamexAP.pdf

Additionally, you can check your balances, make transferences, pay your cards and make use of other services through your computer, cell phone or landline through BancaNet, Audiomatico and Banamex Móvil.



1 Check GAT here.
2 Promotion subject to change with prior notification at least 30 calendar days.

   Product guaranteed by IPAB for up to 400,000 investment units ( UDIs ) per person per bank www.ipab.org.mx.



Your Nómina Banamex offers you an ample range of financial services tailored to your needs.

  • Characteristics:
    Reusable: You can apply for it again even as you are paying for it, starting at $1,000 pesos line available1.
    Money availability: Through Branches, Banamex Automatic Tellers and Centro de Atención Telefónica (Call Centers).
    Advance Payments: Without penalties and reducing the amount of your payment.
    Insurance2: In case of death, you have a safe release of debt.
    Automatic Charge: Fortnightly or monthly payroll account Banamex.

    TOTAL ANNUAL COST (CAT) AVERAGE for employees 29% without IVA. Fixed Rate. CAT Offer for Pensioners 28.1% without IVA. Fixed Rate. It is considered for calculating a line of credit $100,000 pesos. It is considered for calculating a line of credit 25%. For comparative and informative purposes. Calculation date in January 2016. Validity of the offer: May 21st, 2016.

    1 If new provisions of the credit line is considered the term of the loan on the unpaid when the new provision balance again.
    2 Restrictions apply to insurance according to the policy in force.

  • Secure your personal ítems1 as smartphones, computers, backpacks, money; even your bicycle.

    Profits:

    Insurance cover amount for personal items up to $20,000 pesos.
    If you need to stay at the hospital induced by the violent robbery for 24 hours or more, you receive 100% of the insurance cover amount.
    Legal counseling2 in case of robbery, family or criminal issues.
    For hiring, call 1226 8100 from Mexico City or free to 01800 888 3676 from other city.
    Seguros Banamex, a partner for life.
    Conditions and exclusions apply for the insurance hired.

    1 Violent robbery out of home. Payment according to the insurance cover amount hired.
    2 This benefit is able to be extend to spouse. Free of charge service.

  • The protection your family requires.

    Profits:

    Insurance cover amounts up to $1'000,000 pesos.
    50% of Insurance cover amount hired if you are diagnosed with a terminal disease1.
    Family Medical Assistance 24 hours2.
    Discounts and special prices on medical services3.
    Hire at Banamex branches or call 1226 8100 from Mexico City, free to 01 800 888 3676 from other city.
    Conditions and exclusions apply for the insurance hired.

    1 Terminal disease is considered that health condition or illness causing the death of the insured within a period not exceeding six months.
    2 Service operated by VitaMedica. Telephone support free of charge 24 hours a day. Medical delivery service with preferential cost. Applies to spouse or partner, and children under 21 living in the same household.
    3 Discounts range from 5% to 50% depending on the provider, service, geographical area and coverage.

  • Tarjeta de Credito Banamex 1, which includes a Paquete Banamex2 saves on the annual Card fee, both yours and the additional ones you may have, just for using them and paying them every month through BancaNet.

    Plus, you have access to exclusive promotions and many benefits more.

    1 Card subject to approval. Product offered by Tarjetas Banamex S.A. of C.V. SOFOM E.R., member of the Banamex Financial Group, that due to their constitution and operation in such matters does not require authorization from the SHCP. TAC AVERAGE for Platinum 24.4% before VAT. Weighed average annual interest rate at 19,6% Annual fee $2,000 pesos before VAT. For Gold Card, 40.7% before VAT. Weighed average annual interest rate at 31.6% Annual fee $900 pesos before VAT. For Classic Cards, 44.9% before VAT. Weighed average annual interest rate at 33.0% Annual fee $600 pesos before VAT. Variable rate. For information and comparison only. Calculated on November 4th, 2015. Check conditions and requirements for hiring at www.banamex.com

    2You must use your Card (or any additional ones) at least once a month to make a purchase and/or withdrawal, covering the minimum payment at least, and paying through BancaNet, Audiomatico or App Banamex. Enroll cost-free by calling 01800 2262 639. Check terms and conditions for participant cards at www.banamex.com/paquete

  • Banamex offers you different financing options for choosing the one that best suits your needs to buy your home with many benefits:

    Fixed Interest rate above 8.50%*.
    House down payment above 10%*.
    Terms: 10, 15 & 20 years.
    Recognize your good credit history.
    Use your Infonavit / Fovissste bennefits.
    But if you all ready have a mortgage loan, Banamex offers you a credit to change your mortgage with us, with the comfort of knowing how much you will pay monthly, so you settle your debt with another financial institution and you can improve the conditions of your current credit.



    * The fixed annual interest rate of 8.50% is subject to analysis and approval. The rate and engagement depend on the chosen product and credit history.
    Annual Percentage Rate (APR) Average:10.6% without VAT. Apllies for Acquisition and Refinance with Hipoteca Perfiles Banamex. Informative. Calculated on September 4th, 2015. Valid to April 30th, 2016. Information purposes with an annual fixed interest rate of 8.50%, financing of 60% of the appraised value of the property and opening fee of 1% valid to April 30th, 2016. Fees and requirements in www.banamex.com Depending to credit approval. Banco Nacional de México, S.A., member of Grupo Financiero Banamex.

    Request the binding offer to compare different credit options. Yo will be know additional benefits, requirements and fees in www.banamex.com/hipotecario

    Credits subject to authorization.

  • Save money quickly and safely, investments start at $1,000 pesos.

    Characteristics:
    Daily yields.
    Risk-free, guaranteed yields.
    Money is immediately available1.
    No forced terms or fees.
    Yields derived from investments up to $100,000 pesos do not generate taxes.
    Can be easily managed through: BancaNet, Audiomático or any Branches.
    1 Operation Schedule: Monday through Friday, 9:00 to 17:00 h (CST). The operations conducted outside this schedule will apply at 9:00 h of the following working day. Terms and conditions apply. Applies solely for Individuals. Does not apply for foreigners. ISR and interests will not be paid for checking accounts with a daily balance average that does not exceed 5 minimum wages within Mexico City, elevated to a year ($118,187 pesos). Banamex, its affiliates and employees do not provide legal and fiscal consultant's service. We encourage you to discuss your particular situation with your fiscal adviser.

    TAR 0.70% variable before taxes, estimated on January 16th, 2013 for a $10,000 pesos to $99,999 pesos investment. For information and comparison only. Valid up to December 2013. Check conditions and requirements for hiring in www.banamex.com

    IPAB guarantees the payment for up to 400 thousand Investment Unit (UDIS) per person, per Bank, of the guaranteed obligations.
  • Terms from 7 to 378 days.
    Promissory notes start at $2,500 pesos.
    Yields vary based on the amount and the investment term.
    Fixed yield rates agreed upon from day one1.
    Risk-free, as yields are known from day one and are guaranteed.
    Several investments with different amounts and terms can be set up through the same contract.
    The proceedings can be made at any Branch, or through BancaNet or Audiomático.

    1 Money availability on the due date. If it is a non-working day, the following working day will be taken as due date. Operation Schedule for Audiomatico and BancaNet is from 9:00 to 20:00 h.

    Check conditions and requirements for hiring at www.banamex.com

    TAR 0.95% variable before taxes, estimated on January 16th, 2013 for a $10,000 to $99,999 investment. Valid up to December 2013. Check conditions and requirements for hiring in www.banamex.com

    The IPAB guarantees the payment of up to 400 thousand Investment Units (UDIS) per person, per Bank, of the guaranteed obligations

  • They are fixed-term deposits that guarantee an interest rate and offer the possibility of generating greater yields than the traditional investment instruments. There are two types of Investments:
    Inversión Inteligente en Acción Inversión Inteligente Garantizada
    • Terms available: 45 and 60 days.
    • Guaranteed rate stated since day one.
    • Additional yields if the Mexican stock-market (IPC) closes even or on top.
    • Availability of the capital and interests only at the end of the term.
    • Terms available: 90, 120 and 180 days.
    • Interests liquidity every 28 days.
    • Guaranteed rate stated since day one
    • Additional yields if the 28 day CETES yield increases at the beginning of each interest payment cycle.
    • Capital availability only at the end of the term.
    Benefits
    • Available starting at $50,000 pesos and in multiples of $5,000 pesos.
    • Security: the invested capital is protected 100%.
    • Saving: No formalization fee.
    • Excellent alternative to diversify your investment portfolio.
    This investment instrument might not generate yields, or these could be lower than the existing ones in the market, but in no case, on the due date of the operation, will generate an inferior nominal amount to the one originally invested.

    Working Hours (Branch Only): Monday through Friday 9:00 to 13:00 h (CST).

    TAR 1.00% variable before taxes, estimated on January 16, 2013 for a $10,000 pesos to $499,000 pesos investment. For information and comparison only. Valid up to December 2013. On the investment’s due date, TAR could be greater, but never lower.

    Check conditions and requirements of hiring at www.banamex.com
  • The BNM1LIQ fund is an investment society that invests in debt instruments and strives to offer you the possibility of obtaining a competitive yield in regards to other traditional investment plans.
    Benefits:
    For being a Nómina Banamex client you have the possibility of obtaining attractive yields.
    Have access to preferential series when investing over $50,000 pesos.
    Daily availability of your resources on weekdays Monday through Friday from 9:00 to 13:00 h (CST).
    Possibility of obtaining more attractive yields than in traditional investments.
    Personal management of your investments through BancaNet.
    Access to a fund with the best qualification in the market: AAA*.
    Specialized counsel.

    To hire this product go to your preferred Banamex Branch. The value of the shares in investment companies entails a market risk that might include the possibility of losses from the inverted capital.

    These products are not guaranteed by Banamex or any other Grupo Financiero Banamex organization or by Citigroup, nor by any governmental organization.

    The Information Prospects available to the Public Investor and Documents with Key Information for Investing in Investment Societies are available for consultation, analysis and conformity at the following webpage: www.fondosbanamex.com

    There is no guarantee that the forecasts or opinions expressed in this material will be fulfilled. The information contained in this material should not be considered as investment advice.

    Former yields do not guarantee future performances.

    *Qualification granted by Fitch.

  • Comprehensive solutions for your retirement.
    • One of lowest fees in the market.
    Greater service coverage through:
          • Comprehensive and Professional Counsel of 3,000 Executives certified by CONSAR.
         • Customized Attention in more than 130 Service Modules, 1,400 Specialized Banamex Branches and 7 Attention Centers        for Retirement.
         • Call-Center, Online Services and quarterly Account Statement sent to your home or email.
    • Important alternatives of Investment through Voluntary Savings:
         • Short Term
         • Long Term (Life Insurance and Tax Benefits)
  • A variety of services which allow you manage better your money.

    1. BancaNet: access to banking services through internet. Request it in the customer service area of any Banamex Branch with Nómina Banamex.
    2. App Banamex free1 allows you to carry out banking operations from your Telcel mobile, in a practical, easy and safe way, with no need to connect to the Internet or to download any app.
    3. Domiciliacion1 (Direct Debiting) of utilities: pay your electricity, water, cable TV, telephone, etc., bills automatically from your Nómina Card.
    4. eStatement1 receive your Account Statement for your Nomina in your email. Request it at any branch, BancaNet or to call (55) 1226 2639 or toll-free 01800 021 2345.
    5. Alerts and Notifications1 find out right away, in your cell phone and/or your email, of all movements made in your Nomina account, as well as changes in the passwords and/or confidential information. Request it at any branch, BancaNet or to call (55) 1226 2639 or toll-free 01800 021 2345.
    6. Audiomático1 grants you access to banking services via telephone, in the new menu you get the Secret Number and the balance inquiry within seconds and many operations more. You need to have your Nómina card at hand.
    7. Transfer Banamex1, the only account that allows you to send and to receive money from your Telcel cellphone, in an easy, fast and safe way.

    1 Service and transactions carried out are cost free, including SPEI. Check terms, conditions and customer service schedules at www.banamex.com





We are working to offer you new special offers.



Take the most advantage out your income

Now already you can request without cost for you, the resources of your salary, pensions and other benefits direct deposited into your Banamex account or are transferred to another account of which you are holder and open in another bank.

To have your Nómina Banamex proceed as follows:

Come to the Banamex branch of your choice and tell the executive that want to request the transfer of your payroll, he advises you properly.

You need the next documents:

  • Official valid ID
  • Cover of the contract
  • Bank account (not bigger than 3 months), or bank card in which you receive payroll
Sign the application and enjoy the benefits of having your Nómina Banamex.

Benefits:

  • The request for the Nómina Banamex as cancellation are free.
  • You have the right to cancel the request for your Nómina Banamex.
  • The request for Nómina Banamex will be made at the following times:
    • 1. If your salary is deposited before 15:00:00 hours a Banking Day, the transfer will be realized the same day as long as it is a Banking Day.
    • 2. If your salary has been deposited after 15:00:00 hours, the transfer will take place next immediate Banking Day.
  • The transfers of Portabilidad de Nómina will be realized realized from the sixth Bank Working day as long as they have been requested in Banamex branches or Bancanet.
  • The transfers of Portabilidad de Nómina will be realized from the eleventh Banking Day following the day in which the institution that should do the above mentioned transfers receives the request.

Formats:

Now already you can request without cost for you, the resources of your salary, pensions and other benefits direct deposited into your Banamex account or are transferred to another account of which you are holder and open in another bank.

To do this, you require only submit your application to any of our branches or through our Internet* electronic banking service, that you have contracted with us, through the formats that we have available in our branches or on our Internet website and exhibit the documentation mentioned in these formats.



* Not available

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