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We only list companies that are trustworthy and appropriately licensed. Our aim is to give you a comprehensive view of the regulated money transfer marketplace.
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MoneyTransfers aims to help users find the best money transfer provider for their needs. To support our free service, we may earn a commission from some of the providers listed in our search results. The commission may also impact the ordering of the providers shown. Our reviews are independent from this and are based on our editorial policy, research and testing of dozens of remittance providers on the market.
On this page
Felix (also known as Felix Pago) offers a unique way to send money through WhatsApp.
The first transfer with Felix is free with a promotional exchange rate.
However, on later transfers, you can expect to pay between 0.61% and 2.21% markup, depending on the currency (with 1.13% average), as well as a fixed fee ranging from $2.99 to $27.99, depending on the country and the amount.
This means, if you were to send 200 USD to Mexico, you’d pay around $5.74 with Felix.
Promo on your first transfer
Make your first transfer for free and with better rates!
Felix is unique in terms of how you send money. All transfers are made through WhatsApp, making it much more convenient compared to other top money transfer companies.
However, before you start chatting with Felix to make your transfer, you should consider this.
Felix Pago is good if…
Find an alternative if…
You’re sending money to Mexico, Guatemala, Honduras, El Salvador, Dominican Republic, Colombia, or Nicaragua from the US
You’re making small transfers to family and friends for convenience
Sending money to mobile wallets, or for cash pickup
You need to send more than a few thousand dollars abroad per month
You’re making domestic money transfers within the US
Just like for other money transfer reviews, I’ve tested Felix’s fees & rates, product features, transfer speeds, usability, user feedback, and safety.
Here’s a quick summary of what I found.
Exchange rates & fees
9.0
Felix’s fees and rates are fairly competitive, especially on small transfers.
You can expect to pay a fee of around $2.99 - $27.99, depending on the amount and destination, as well as a markup of around 0.61% - 2.21%.
Transfer speed
8.9
Most transfers with Felix will take around 15-30 minutes.
Sometimes bank account deposits can take a bit longer, as cash pickup can take up to a day in some cases.
Transfer limits
8.9
Feelix has a minimum transfer limit of 0.50c, and maximum limits depend on your account level.
If you verify your account with Felix, you will get access to higher limits (2,999 USD per day).
Product offering
7.9
You can only send money from the US to 7 destinations, including: Mexico, Guatemala, Honduras, El Salvador, Dominican Republic, Colombia, and Nicaragua.
There is no app, no web platform, just the WhatsApp chat interface to send money abroad. This is much more convenient than it sounds.
Ease of use
8.8
The whole process is quick and easy. It took me around 5 minutes from opening the chat to making a transfer.
However, bear in mind that the whole process will be in Spanish.
Regulation and safety
8.7
Felix is regulated for remittances within multiple states in the US and is following all the required processes regarding KYC, AML, and data protection.
They are partnered with Intermex, UniTeller, and Zero Hash to help process the remittances.
Customer feedback
7.8
Generally, users are happy with the service (including myself), however, a few mentioned that the service is great at the start and slowly gets worse over time.
Otherwise, the majority agree that the process is easy, support is great, and fees are decent.
Before you choose whether to transfer funds overseas with Felix, here’s a quick summary of the benefits and drawbacks.
Pros
Sending money through WhatsApp
Over 40,000 cash pickup locations across Mexico, Guatemala, Honduras, El Salvador, Dominican Republic, Colombia, Nicaragua and Colombia
Promotional offers on the first transfer
Cons
Exchange rate markup is higher compared to the likes of Wise, but still better than banks
Felix only serves 7 countries, and only from the US
They lack clear documentation, helpful articles, and generally, their website lacks information
COST
Felix fees and exchange rates
Exchange rates
Just like any other money transfer company, Felix charges a markup on transfers abroad. This is the percentage difference between their rate and the real mid-market rate (learn more about it here).
In this case, the exchange rate markup can range somewhere between 0.5% and 2.2% depending on the currency you send.
Here’s the table summarising Felix’s exchange rates to give you an idea of what to expect.
USD
Felix supported currencies
Felix exchange rate
Felix fee
Receive amount
USD / COP
3405.6000
$2.99
$1,692,617.26
USD / DOP
56.6300
$2.99
$28,145.68
USD / GTQ
7.5400
$2.99
Q 3,747.46
USD / HNL
26.7100
$2.99
L 13,275.14
USD / MXN
17.0000
$2.99
$8,449.17
Last updated at 6/24/2026
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International transfer fees
Felix Pago fees are fixed but vary depending on the country, the transfer amount, and the delivery method.
Here’s a breakdown of their fees:
Country
Type
To Bank Account
To Cash Pickup
Mexico
Flat fee
$2.99 flat
$4.98 flat
Colombia
Flat fee
$2.99 flat
$4.98 flat
Guatemala
Flat fee
$2.99 flat
$4.98 flat
El Salvador
Flat fee + percentage
$3.99 + 1.25%
$4.99 + 1.25%
Honduras
$0 - $200
$5.99
$5.99
Honduras
$200 - $400
$7.99
$7.99
Honduras
$400 - $600
$8.99
$8.99
Honduras
$600 - $800
$10.99
$10.99
Honduras
$800 - $1,000
$11.99
$11.99
Honduras
$1,000 - $2,000
$19.99
$19.99
Honduras
$2,000 - $3,000
$27.99
$27.99
Dominican Republic
USD payout
$2.99 + 1%
$3.99 + 1%
Dominican Republic
DOP payout
$2.99 flat
$4.98 flat
However, they often offer the first transfer for free.
In addition to these, there are also cash deposit fees depending on where you do it:
Retailer
Fee per Cash Deposit
CVS
$3.95
7-Eleven
$3.95
Walmart
$3.74
Casey’s
$3.95
Walgreens
$3.95
Office Depot
$3.95
*These only apply if you are paying in cash for your transfer.
It might seem like a lot, but this is a great offering, considering many other companies charge a percentage fee.
For example, on a $1,000 transfer to Mexico, Wise would charge around 6.59 USD vs $2.99 with Felix.
So why not use Felix for all your transfers?
Well, the total fee is the combination of the exchange rate markup and the fee.
Most of the time, a better exchange rate will outweigh lower fees.
Most of the time, a better exchange rate will outweigh lower fees.
To make it a bit easier to understand, let’s take a look at a few transfer examples below.
As you can see, Felix is not the worst, but also not the best in terms of price. And this is where you need to decide: do you need convenience or a better deal?
SPEED
Transfer speed
Based on our testing, you can expect most transfers to settle within minutes, but it will depend on the amount, the deposit method, and the delivery method.
Generally, you can expect the following:
Bank deposits
Once the payment is completed, the money should be available immediately. If you’re making a cash deposit, it can take around 15-30 minutes.
Cash pickup
If you’re depositing with a card/bank for cash pickup, money will be available immediately. Similarly to bank deposits, if you’re paying by cash deposit at a store, it can take around 30 minutes.
In some cases, cash pickup may take up to a day, depending on the processing in place, but this is rare, according to Felix.
Barcode processing
If you’re depositing money in the US store, Felix can take around 15 minutes to process the deposit before applying the transfer times above.
In rare cases, if you are sending money to a bank account, the receiving bank may delay the transfer while performing extra security checks.
LIMITS
Transfer limits
Depending on your account status, your limits and account type will change.
The accounts you can have with Felix are:
Basic Level: When you just sign up with minimal information.
Advanced Level: Once you verify your identity, your limits will increase.
This is what the limits to like for Felix Pago:
Level
Daily Limit
Monthly Limit
6-Month Limit
Basic Level
USD 1,500
USD 3,000
USD 18,000
Advanced Level
USD 2,999
USD 9,999
USD 30,000
Minimum Transfer
USD 0.50
USD 0.50
USD 0.50
You can find more information about this on their website here.
This is done to ensure the safety of money transfers and compliance with regulators.
In addition to these limits, there are also limits on cash deposits in the US retail stores (CVS, Walmart, 7-Eleven, etc.):
Per transaction: $20 min / $500 max
Per day: up to $1,500 (3 transactions of $500)
Per week: up to $3,500
Per month: up to $5,000
Transactions allowed: 3/day, 12/week, 20/month
Essentially, this means that:
If you’re sending by card or bank transfer, your daily/monthly limits depend on whether you’ve verified your ID.
If you’re sending by cash deposit, your per-transaction cap is $500, with those daily/weekly/monthly limits layered on top.
PRODUCT
Product offering
Felix is simple and unique at the same time. Their coverage is low compared to competitors, but the simplicity of WhatsApp transfers is unmatched.
Supported currencies & destinations
Felix Pago has a very simple product offering.
You can send money from the US to:
Country
Currencies
Mexico
MXN
Guatemala
GTQ
Honduras
HNL
El Salvador
USD
Dominican Republic
DOP & USD
Colombia
COP
Nicaragua
USD
Compare your options
If you need to send money somewhere else from the US, or to these countries from somewhere else, use the form below to get the latest deals.
Payment methods
Felix accepts multiple payment methods, however, most need to be US-based, these include:
US debit cards
US credit cards
US bank accounts
Cash deposits at US retail stores (barcode payments)
We suggest avoiding credit cards because they are generally the most expensive due to additional cash advance fees charged by credit card companies.
Instead, use a debit card or a bank transfer if you can.
Delivery methods
Felix allows transfers to mobile wallets, bank accounts, and cash pickup.
Digital wallets
You can send money from WhatsApp to wallets like Mercado Pago, Nu, and Spin by OXXO. The money will land directly into the receiver's wallet without them needing to do anything.
Bank account deposit
This is the most traditional withdrawal method. Money will arrive in the recipient's bank account without them needing to do anything.
It usually takes a few minutes for the money to arrive, but the receiving bank may delay the transfer for security checks.
Cash pickup
This is one of the most popular pickup methods in Colombia, Mexico, Guatemala, Honduras, El Salvador, Dominican Republic, and Nicaragua. The receiver will need to show their ID and might need to provide transfer details (transfer number, your name, amount, etc.).
Cash pickups are usually available the next working day.
For cash pickup, here are a few examples of where you recipient can pick up the cash:
Mexico
7-Eleven
Bancomer
Banorte
Bansefi
Bodega Aurrerá
Caja Popular Las Huastecas
Coppel
Del Sol
Elektra
Farmacia Guadalajara
Farmacias ISSEG
Intermex
Money Coop Caja More
Oxxo
Soriana
Suburbia
Superama
Telecomm
Waldos
Walmart
Guatemala
G&T Continental
Banco Industrial
Banrural Guatemala
Banco Agromercantil de Guatemala (BAM)
Bantrab
Banco Inmobiliario
Banco Azteca Guatemala
Micoope
Farmacias Cruz Verde
Fundea
Crediguate
Génesis Empresarial
Banco Antigua
Paq / Super 24
Cootiza
Copeoro R.L.
Cooperativa Universo R.L.
Cooperativa Interamericana R.L.
Cooperativa Concepción R.L.
Cooperativa Intercop
Fedecope
Salón de Belleza Valentina
Megapaca
Honduras
Banco Atlántida
Banco de Occidente
Banrural Honduras
Banpaís
Banco Azteca Honduras
Banco HSBC Honduras
Banco Ficohsa
Banco Popular
Cooperativa de Ahorro y Crédito Cacil
Cooperativa de Ahorro y Crédito Fronteriza Intibucana Ltda
USABILITY
Ease of use
I've messaged Felix asking a few questions and they replied in less than a minute.
Felix has no app or website portal, all transfers are handled through the WhatsApp chat.
It is one of their main selling points, because it’s probably the most convenient way to send money that I’ve ever seen.
The process is simple, fill in your details on the site, and start chatting on WhatsApp.
The whole process takes less than 5 minutes from starting to money being sent.
However, I did find a few nuances while testing it out, mainly related to their English website.
Firstly, the EN website is partially not translated, so if you don’t speak Spanish, you may find it a bit confusing. Also, the instructions you get in Felix chat are in Spanish.
There is a decent blog section on Felix's website, however, there’s not enough information on getting help, getting started, or anything related to using them for that matter.
However, considering their primary offering is towards Spanish-speaking users, I don't think these are major issues.
Customer service
Customer service options are lacking with Felix, however, the actual service is good.
You can only get support via WhatsApp, which is available 24/7 regarding any problem (be it refunds or security issues).
I’ve messaged them to confirm a few bits on this review, and they responded fairly quickly.
SAFETY
Safety and trust
Felix is regulated and takes security and safety very seriously.
Legitimacy of Felix
Felix is also known as Felix Technologies, and is an authorised agent of UniTeller, Intermex, and other licensed money transmitters for part of their services.
They also hold licenses in certain US states (NML ID #2302775).
Felix complies with federal and state regulations in the US, including:
They also have a full AML (PLD) program for customer identification, ongoing transaction monitoring, and reporting suspicious activities.
Key industry partnerships
Felix is partnered with Intermex, UniTeller, and Zero Hash to facilitate remittance services in the US.
Protection of customer data
Felix Pago follows all the latest data privacy and protection practices, including encryption, multifactor authentication, and continuous monitoring to protect transactions.
User data is protected using “strict data-protection measures” according to them, and is not shared with any third parties (unless legally required).
KYC
Felix requires all users to go through a KYC process to increase their transfer limits.
This is done to prevent fraud, comply with regulations, and ensure funds don’t end up in the wrong hands.
FELIX REVIEWS
Customer feedback
Feelix has a 4.2 rating on Trustpilot from 350 users. This is not much, but generally it is positive.
Most users tend to say that they are great at the start, and the service tends to get a bit worse over time, while others say it’s super convenient, great value, and easy to use.
You can also check out some Felix reviews from our users at the bottom of this page.
SIGN UP
Opening an account with Felix
To open an account with Felix, you will need the following for a basic account:
Full name
Date of birth
Email address
Physical address
And to get verified, you will need:
Government-issued ID
Once you have these details, you simply need to:
Navigate to Felix's website on your phone
Fill in your phone number and click “start free transfer”
This will open a new WhatsApp message with Felix
SEND MONEY ABROAD
Making international transfers
To send money with Felix, you will need to know the following:
Recipient details
A US debit/credit card or bank account
Sending money abroad via WhatsApp
Once you have all the details ready, you can send money with Felix by following the steps below.
Start a chat on WhatsApp
Instead of downloading a separate app, you simply start a conversation with Felix’s official account. This is where you’ll manage your transfer from start to finish.
Provide transfer details
The chat will guide you through a few questions, including who you want to send money to, how much you’d like to send, and whether the recipient should receive funds into a bank account, a digital wallet, or as cash pickup.
Get a payment link
Once you’ve entered the transfer details, Felix generates a secure payment link. This link allows you to choose your preferred payment method: US debit card, US credit card, US bank account, or cash deposit at a participating retail store.
Complete the payment
If you’re paying by card or bank transfer, you complete the payment directly online. If you choose cash deposit, you’ll need to use the barcode method (detailed below).
Get the receipt and confirmation
Felix immediately provides a digital receipt in the WhatsApp chat.
Canceling transfer
If you’ve made a mistake, you can just message Felix in the same chat. If your transfer hasn’t been processed yet, they will be able to stop it.
However, most transfers take minutes, so you need to be very quick. If it has been processed, it’s unlikely they will be able to revert it.
How to Pay with a Barcode (Cash Deposit in the US)
To make a transfer with a cash deposit, follow these steps.
Generate a Barcode in WhatsApp
If you prefer to pay with cash, Felix will generate a unique barcode during the payment process. This barcode is valid for one hour and can be shown on your phone or printed out.
Visit a Participating Retail Store
Take the barcode to a participating US store such as CVS, Walmart, 7-Eleven, Walgreens, Office Depot, or Casey’s. These stores act as cash deposit partners for Felix.
Hand Over Cash and Pay the Store Fee
At the register, the cashier scans your barcode. You hand over the cash for your transfer plus the store’s fee (typically around $3.74 - $3.95, depending on the retailer).
Processing and Confirmation
Once you’ve paid, the store sends the deposit information to Felix. It usually takes around 15 minutes for the payment to register in Felix’s system. After that, the transfer continues as normal.
RECEIVING MONEY
Receive international transfers
Depending on where the money was sent, there’s not much you need to do to receive it:
If sent to a bank account, the money will be deposited instantly into the given account
If sent to a wallet, the funds will appear in the recipient’s balance
If sent for cash pickup, the recipient can collect the funds at a local partner location, often within 30 minutes
Does the recipient need an app or account with Felix?
No, you don't need to have a Feelix account or an app to receive the funds. All money is sent through WhatsApp and directly to the recipient's bank account, mobile wallet, or for cash collection.
Another alternative to money transfer appsis to use a challenger bank (also known as neo banks). These give you the benefit of a multi-currency accountand banks in one app.
Overall, Felix is a great service and I would suggest you try it out.
Its offering is very niche (only covering 7 destinations), but the fees are fairly competitive for small transfers home compared to other companies.
I always recommend comparing your options first to find the best deal, especially on bigger transfers. But here, if you only need to send a few hundred abroad once in a while, I’d suggest you check them out.
Terrible experience. As of now, 29 hours after being charged for a transaction that has not gone through. No response from anyone other than virtual assistants or call center agents, who cannot say more than how sorry they are. Found the CEO and CFO emails and thought it would help, but my message was rejected by their servers. Now I am facing serious consequences for using Felix Pago services. Be careful.
No, I don't recommendFebruary 10th, 2026
Showing 1 out of 1 reviewsShowing 1 out of 1 reviews
With 6+ years of hands-on experience in international money transfer services, Artiom has tested and analyzed dozens of companies, services, and apps firsthand. From sending money between the UK, EU, US, JP, and ID, to helping friends and family transfer large amounts abroad, he combines deep personal experience with industry insight.
He has worked on content and product at MoneyTransfers.com since 2019, with a focus on FX rates, transfer apps & companies, and comparison tools. His work has been featured in Forbes, Yahoo Finance, Decrypt, PoundSterling, and more.
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