La Nacional

What La Nacional does

La Nacional is a consumer-facing remittance brand that enables individuals in the United States to send money to recipients in Central America, South America, and the Caribbean. Founded in 1984 and headquartered within the parent group's Miami, Florida office (9100 South Dadeland Blvd., Suite 1100), La Nacional operates as a "doing business as" (DBA) brand under Intermex Wire Transfer, LLC and affiliated entities Intermex Wire Transfer II, LLC and Intermex Wire Transfer, Corp. The platform serves US-based individual remittance senders supporting family members abroad, with distribution across digital self-service channels, 5,000+ US-based sending agent locations, and 55,000+ international payout agent locations. The service is licensed as a money transmitter across 35+ US states plus the District of Columbia and Puerto Rico, with each state-level license governed by separate regulatory authorities including the New York State Department of Financial Services and the California Department of Financial Protection and Innovation.

The core product is an online and mobile money transfer platform supporting both cash pickup and bank deposit delivery options. Technical components include a web-based sending interface, native iOS and Android mobile applications with biometric authentication (Touch ID and Face ID), real-time transaction tracking via Money Transfer Control Numbers (MTCN), SMS and email notification flows, a fee and exchange-rate calculator, and an agent locator tool. Customer support is available seven days per week from 8 AM to midnight EST via phone, live chat, and an FAQ knowledge base. Beyond core remittance, the platform extends into mobile airtime top-up orders and bill payment as add-on services. Compliance posture includes Bank Secrecy Act adherence (with additional ID verification required for transfers above $2,999), Gramm-Leach-Bliley Act and California Consumer Privacy Act privacy controls, and Fair Credit Reporting Act compliance.

La Nacional generates revenue primarily through per-transaction fees (starting at USD $2.99 for online transfers) layered on a foreign exchange spread between the customer-facing rate and Intermex's wholesale currency acquisition rate. Pricing is tiered by destination country, payment method (bank account payments yield lower fees than card-based payments), and transfer amount, with online transactions capped at $2,999 and higher-value transfers routed through physical agent locations to satisfy Bank Secrecy Act identity verification requirements. The go-to-market is product-led growth: customers self-register online or in-app, with retail agent locations serving as a complementary acquisition and transaction channel for cash-preferred users and higher-value transactions. Marketing relies on the company's website, mobile application, social media (Facebook, LinkedIn, Instagram), and live chat, with no disclosed paid acquisition budget or enterprise sales motion.

Name

La Nacional

Legal name

Intermex Wire Transfer, LLC; Intermex Wire Transfer, Corp.; and Intermex Wire Transfer II, LLC

Website

https://lanacional.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

251–500 employees

Short description

La Nacional is a US-based consumer remittance brand operating as a DBA of Intermex Wire Transfer, enabling individuals to send money to Latin America and the Caribbean via online, mobile, and 5,000+ US agent locations, backed by 55,000+ payout agents abroad.

Ownership category

akta.pro rank

Product category

Money Transfer & Remittance Services

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Money transfer services
• International remittance
• Cross-border payments
• Foreign exchange services
• Latin America remittance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Money Transfer Transaction Fees: Fees charged per transaction, varying by destination country, amount, and payment method. Fees generally lower for bank account payments.
2. Foreign Exchange Spread: Revenue generated from the difference between the exchange rate offered to customers and the wholesale rate at which Intermex purchases currency

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

La Nacional is a cross-border money transfer and remittance service that enables customers in the United States to send funds to recipients across Central America, South America, and the Caribbean. Transfers are initiated either through the company's online platform or in person at more than 5,000 agent locations across the US, with funds available for pickup at over 55,000 international payout points.

Product overview

La Nacional is a consumer-facing remittance/money transfer service offered as a DBA (Doing Business As) of Intermex Wire Transfer, LLC and its subsidiaries. The core offering is an online money transfer platform enabling users in the United States to send funds to recipients in Latin America (Central America, South America & the Caribbean). The service is delivered through a web-based platform and native mobile applications (iOS and Android), with funds available via two primary delivery mechanisms: cash pickup at 55,000+ agent locations or direct bank deposit. Additional transactional services include mobile airtime top-up orders and bill payment. The product is accessible 24/7 online, with customer support available 7 days per week from 8 AM to 12 AM EST.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Money Transfer

Quantifiable outcome

• Most transfers available in minutes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Intermex Wire Transfer, LLCcoreOthersLa Nacional operates as a DBA (Doing Business As) brand of Intermex Wire Transfer, LLC; Intermex Wire Transfer, Corp.; and Intermex Wire Transfer II, LLC. The service is powered by Intermex's technology infrastructure, licensing, and network.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Intermex (International Money Express): The publicly traded parent operating entity that powers La Nacional (La Nacional is a DBA under Intermex Wire Transfer). Operates the same US-to-Latin America remittance corridor with overlapping technology, licensing, and payout network, but at materially larger scale across multiple brands.
• Western Union: The largest incumbent in the global remittance market with deep agent penetration across Latin America and significant digital capabilities. Competes directly in the US-LatAm corridor but at a much broader global scale.

Direct peers

• Ria Money Transfer (Euronet Worldwide): Major US-based cross-border remittance operator with a global agent network including extensive Latin America payout locations. Directly comparable as a multi-channel (digital + agent) US-LatAm remittance provider with a similar price-and-fee model.
• MoneyGram: Large publicly listed remittance company offering digital and agent-based transfers to Latin America. Directly competes with La Nacional in the same US-LatAm corridor with comparable cash-pickup and bank-deposit delivery options.
• Remitly: Public digital-first remittance fintech specializing in US-to-Latin America corridors. Directly competes for the same customer base with a mobile-first experience and aggressive pricing, posing a structural threat to traditional agent-based remitters.
• Xoom (PayPal): PayPal-owned digital remittance service focused on US-to-LatAm and other emerging market corridors. Comparable consumer P2P remittance offering with bank deposit and cash pickup options, leveraging PayPal's brand and payment infrastructure.
• WorldRemit (Zepz): Digital cross-border remittance platform serving Latin America among other corridors. Direct competitor targeting the same diaspora senders with a mobile-led, cash-pickup and mobile-wallet payout model.

Emerging players

• Sendwave: Mobile-first remittance app (owned by Zepz alongside WorldRemit) focused on African and Latin American corridors. Comparable digital-only P2P remittance experience targeting similar price-sensitive diaspora senders.
• DolarApp: Latin America-focused digital cross-border account and remittance platform. Operates in overlapping US-to-LatAm flows with a modern app-based experience targeting similar customer pain points (FX, transfers, banking).

Others

• Vigo (also Intermex / sibling brand): A sibling consumer remittance brand historically operating under related Intermex entities, sharing much of the same payout network and operational infrastructure. Useful as a sibling-brand comparable showing how Intermex positions multiple consumer-facing brands in adjacent US-LatAm segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/lanacionalcorp

Compliance62 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about La Nacional