Clara costs and fees

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Domestic 3% of the withdrawn amount
International 5% of the withdrawn amount + $200.00 MXN per transaction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.

 

Start your application to be one step closer to enjoying all the benefits that Clara has for you!

 

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