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Tax MX

RFC

Also known as: Registro Federal de Contribuyentes

Definition

RFC (Registro Federal de Contribuyentes) is the unique tax ID for every taxpayer in Mexico. 13 characters for individuals; 12 for companies.

LATAM context

The RFC is built from: initials of the name/company + birth or incorporation date + homoclave. It shows up on invoices (CFDI) and, when the account holder is a company, frequently in the header of business bank statements.

Concrete example

Individual RFC: PEPE810707H94. Company RFC: COFI190305N98.

How it shows up on your bank statement

On business statements, the account holder's RFC usually sits in the header, next to the company name and tax address. It's less common on individual statements. Inside transactions, a counterparty's RFC only shows up if whoever made the transfer typed it into the reference.

How does finO$ handle this?

finO$ extracts the account holder's RFC (when it appears in the statement header) and, optionally, counterparties' RFCs from SPEI transfers when the sender included it in the reference.

Related terms

SAT

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Frequently asked questions about RFC

Why doesn't my personal statement show my RFC?

Because it's not a required field on the document for individuals. Business statements usually do include it, since they serve as the company's accounting backup.

What is the homoclave and what is it for?

It's the last few characters of the RFC, and it exists to tell apart taxpayers whose base data would otherwise coincide. Without it, two people with the same name and birth date would end up with an identical ID.