With Clara, you have access to transparent financial services with no hidden charges. Here you’ll find the main costs and fees that apply to your Clara account and cards in Mexico.
General costs
These are the general costs associated with your Clara account:
| Item | Amount / details |
|---|---|
| Account opening | $0.00 MXN |
| Account maintenance fee | $0.00 MXN |
| Clara White or virtual card issuance | $0.00 MXN |
| Clara Black annual fee | $5,000.00 MXN |
| Unfounded dispute | $500.00 MXN |
| Clara Black card replacement | $500.00 MXN (managed via reimbursement in Clara points, with a 10% bonus) |
Clara Black card replacement
The Clara Black card replacement fee applies when the replacement is due to events attributable to the Client, for example:
Card loss
Card theft
Card created by Client mistake
Card damage due to misuse
In these cases:
A $500.00 MXN fee is charged for the replacement.
This cost is handled as a reimbursement in Clara points, for 10% in points.
ATM cash withdrawals
You can make cash withdrawals at ATMs. These are the fees Clara charges per withdrawal:
| Withdrawal type | Clara fee |
|---|---|
| Domestic | 3% of the withdrawn amount |
| International | 5% of the withdrawn amount + $200.00 MXN per transaction |
Important note:
In addition to Clara’s fee, the ATM owner (the bank that operates the ATM) may charge an extra fee for using the machine. This fee is independent from Clara and may vary depending on the financial institution.
International purchases
When you make purchases abroad or with international merchants:
A 3% fee is charged for each transaction made abroad.
This fee is applied to the amount of each transaction.
Interest and CAT
Interest and the Total Annual Cost (CAT) are defined in your credit agreement with Clara. In general:
| Item | Details |
|---|---|
| Annual regular interest rate | 0% |
| Annual default interest rate | Defined in your agreement |
| Total Annual Cost (CAT) | Refer to your agreement |
To avoid default interest charges, make sure you pay your balance before the due date shown on your statement.
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