Best Investments in Mexico 2026 2026

Mexico offers some of the most competitive savings rates in Latin America thanks to Banco de México monetary policy. In 2026, CETES (federal government bonds) yield between 6.9% and 7.3% annually depending on the term, while fintechs like Nu, Mercado Pago, GBM and Klar compete with similar or higher rates and full liquidity. APYData compares all products in real time so you can find the best option for your money.

Products compared

8.50%

Best APY available

7.41%

Average APY

#	Entity	Product	APY	Score	Risk	Liquidity	View
1	Klar	Klar Inversion Flexible	8.50%	8.6	Low	—	View →
2	GBM	GBM Smart Cash MXN	8.25%	7.1	Low	—	View →
3	CETES	CETES 364 dias	7.30%	8.0	Low	—	View →
4	CETES	CETES 182 dias	7.14%	8.0	Low	—	View →
5	CETES	CETES 91 dias	7.10%	8.0	Low	—	View →
6	Mercado Pago	Cuenta Mercado Pago Mexico	7.00%	8.2	Low	—	View →
7	Nu Mexico	Cajita Nu	7.00%	8.2	Low	—	View →
8	CETES	CETES 28 dias	6.95%	7.9	Low	—	View →

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Frequently asked questions

What are CETES and how can I invest in them?

CETES (Certificados de la Tesorería de la Federación) are Mexican federal government debt instruments with maturities of 28, 91, 182 and 364 days. They can be purchased from MXN $100 through cetesdirecto.com, the official government platform. They are the safest investment in Mexico as they are backed by the state.

Is Nu, Mercado Pago or GBM better for saving in Mexico?

It depends on your profile. Nu and Mercado Pago offer similar base rates (~7%) with immediate access and no minimum, but can reach 13–15% with usage conditions. GBM Smart Cash offers ~8.25% with availability on business days. If you do not need immediate liquidity, 364-day CETES offer the highest unconditional rate.

Are deposits at Mexican fintechs protected?

Nu and Klar are protected by IPAB (Instituto para la Protección al Ahorro Bancario) up to approximately MXN 3.1 million. GBM Smart Cash is an investment fund, so IPAB does not apply but it is regulated by CNBV. Mercado Pago also has IPAB protection.