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	Nu Mexico	Cajita Nu	7.00%	8.2	Low	—	View →
7	Mercado Pago	Cuenta Mercado Pago Mexico	7.00%	8.2	Low	—	View →
8	CETES	CETES 28 dias	6.95%	7.9	Low	—	View →

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Best investments in Mexico in 2026: CETES, deposits and more

Mexico offers highly attractive investment opportunities, especially following the rate-hiking cycle of Banco de México (Banxico), which pushed the benchmark rate to historic highs. CETES (Treasury Certificates) have become the reference product for Mexican savers, with yields exceeding 9% per year in recent periods.

What are CETES?

CETES are short-term government debt instruments issued by the Mexican federal government through Banco de México. They work like European Treasury Bills: issued at a discount, paying face value at maturity. Available in 28, 91, 182, and 364-day maturities, purchasable from just 100 pesos via Cetesdirecto.com.

Advantages of investing in CETES

Federal government backing — the sovereign risk of Mexico, the lowest credit risk in the country.
Easy access — from MXN 100 at Cetesdirecto, no fees for individual investors.
High liquidity — secondary market available for early sale despite the term.
Competitive returns — historically well above traditional bank deposits.

Alternatives to CETES in Mexico

Bondes D and Bonos M — long-term government debt (2–30 years), higher yield but more rate sensitivity.
UDIBONOS — inflation-linked bonds (UDI-denominated). Protect purchasing power in inflationary environments.
Bank deposits — digital banks like Nu (Nubank Mexico) or Hey Banco offer competitive rates with IPAB coverage up to 400,000 UDIs.
Money market funds — available on platforms like GBM+, Flink, or Kuspit, investing in CETES and other short-term instruments.

Deposit guarantee in Mexico

Mexican bank deposits are protected by the IPAB (Institute for the Protection of Bank Savings) up to 400,000 UDIs per person per institution (approximately 3 million pesos in 2026). The guarantee applies to current accounts, savings, term deposits, and payroll cards.

Considerations for international investors

For investors outside Mexico, MXN/EUR currency risk is the primary factor. The Mexican peso has shown resilience against the dollar in recent years thanks to the rate differential, but it remains an emerging market currency with higher volatility than EUR or USD. High MXN yields can be eroded by exchange rate depreciation.

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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.