The SPEI clock
The system never stops, but Banxico only has business days. At exactly 18:00:00 the operating date for the next business day begins; until 17:59:59 the current day's date still applies. It's the exact time that decides, not an approximation.
Official sourceThe SPEI business day begins at 18:00 on the previous business day (Circular 14/2017, Banxico).
Weekends and holidays
Between Tuesday and Thursday, the 18:00 change opens the next day's operating date. Friday is different: at 18:00 it opens Monday's operating date, and anything sent on Saturday or Sunday gets that same date.
The CNBV publishes the list of non-business banking days every December, on top of every Saturday and Sunday. In 2026 there are eleven: January 1, February 2, March 16, April 2 and 3, May 1, September 16, November 2 and 16, and December 12 and 25.
| When it's sent | Operating date |
|---|---|
| Tuesday to Thursday, before 18:00 | The same day |
| Tuesday to Thursday, after 18:00 | The next day |
| Friday after 18:00, Saturday or Sunday | Monday |
| A non-business banking day | The next business day |
Two dates, not one
A transfer has two different dates: the sending date, the day it was made, and the operating date, the SPEI business day it was assigned to. The CEP form on the Banxico site asks for the sending date, not the operating date, and only responds to that one.
ImportantIf you look up your CEP with the operating date instead of the sending date, Banxico won't find the transfer. They're different details, even though for most payments they match.
The CEP guide explains, step by step, how to request it with the right details.
With VerikoWith Veriko you don't need to know which of the two dates to use: we confirm the CEP with Banxico using the receipt's details, and retry if the first date doesn't find the operation.
How Veriko does it
Veriko looks up the CEP with Banxico using the details from the photo you upload or type in, and tries the dates that are needed for you. It gives you a verdict in about 10 seconds.
The difference is the effort per transfer. On the Banxico site you type in six exact details — including the right date — and solve a security image, one lookup at a time. With Veriko the system reads the details, and if Banxico doesn't respond, the lookup can retry on its own.
| What you need | By hand on the Banxico site | With Veriko |
|---|---|---|
| Data | Six exact details, with the right date | The photo of the receipt, or the typed details |
| Hours | 9:30 to 23:00 | Any time, with automatic retries if Banxico doesn't respond |
| Volume | One transfer per lookup | Hundreds of payments in a file, or by API |
| Result | The CEP's PDF or XML | The verdict with date, amount and banks, and the CEP saved |
| Record | None: you keep it yourself | History, reports and alerts in your panel |
If you send or receive transfers often, every manual lookup — and every wrong date tried — is time and a chance for error. There's a free plan that never expires to try it, and the pricing page compares the paid plans.
Frequently asked questions
Does SPEI run on weekends?
Yes, SPEI settles transfers 24 hours a day, seven days a week. What changes on weekends is the operating date that gets recorded, not whether the system works.
How long does a SPEI transfer take?
Usually seconds, because SPEI settles in real time. What can be confusing is that the recorded operating date isn't the day the payment was made.
What happens if I send a transfer on Saturday?
It settles right away, but it gets Monday's operating date: the whole weekend falls under that date, just like Friday after 18:00.
Do holidays affect SPEI?
Yes: a non-business banking day works just like a weekend. The transfer settles, but its operating date jumps to the next business day.
How do I know which date to use to request the CEP?
Use the date you made the payment, not the one you expect to see on the receipt or one you calculate by hand. The CEP guide explains the rest of the form.
Are non-business banking days the same every year?
Not exactly: the CNBV publishes the list every December for the following year, on top of every Saturday and Sunday.