ask to pay
- ¿Nos trae la cuenta? Can you bring us the bill?
- ¿Acepta tarjeta? Do you take card?
- ¿Incluye propina? Does it include tip?
- ¿Se puede dividir? Can it be split?
food + errands
The money moment is tiny but loaded: cuenta, propina, vaquita, transfer, cash, and who is pretending not to notice.
Use This First
Standard tipping in Mexico City restaurants is ten to fifteen percent and it is almost never added to the bill automatically. Large groups are the exception - some places add propina incluida for tables of six or more, which is exactly why ¿incluye propina? is worth asking rather than assuming. It is an ordinary question, not a suspicious one.
Card machines complicate the moment. The waiter brings the terminal to the table, asks whether to add the tip to the card, and often asks for the percentage out loud. You can also say yo pongo la propina and leave it in cash, which plenty of people prefer.
Between friends the vocabulary changes completely. Hacer vaquita means everyone throws in - literally, making a little cow, from the old idea of a shared pot. Te transfiero is the default settle-up now that bank transfers between Mexican accounts are instant and free. Nobody is dividing the bill with a calculator app at the table. One person pays and the rest transfer.
| Spanish | English | Use case | Safety |
|---|---|---|---|
| ¿Nos trae la cuenta? | Can you bring us the bill? | restaurant bill | safe |
| ¿Acepta tarjeta? | Do you take card? | payment method | safe |
| ¿Incluye propina? | Does it include tip? | tip check | safe |
| ¿Se puede dividir? | Can it be split? | split bill | safe |
| Hacemos vaquita. | We all chip in. | group split | local |
| Te transfiero. | I will transfer you. | payback | safe |
| Yo pongo la propina. | I will cover the tip. | clean split | safe |
| Sale, queda. | Okay, done. | confirming | local |
the gringo trap
Do not say tip in English and hope the table reads your mind.
Use propina, cuenta, and te transfiero.
Money talk gets easier when the vocabulary is boring and precise.
safe / local / spicy
¿Nos trae la cuenta, por favor?
¿Pedimos la cuenta?
Armemos vaquita y ya.
Vaquita is friend-table language, not waiter language.
at the table
splitting
three fast taps before you try it outside.
You paid for the table and your friend owes you.
You need the safest version for paying the bill. What do you pick first?
Which move avoids the gringo trap?


¿Nos trae la cuenta, por favor? La cuenta is the bill. A small writing gesture in the air is understood everywhere and is not considered rude.
Ten to fifteen percent in restaurants, and it is very rarely added for you. Check with ¿incluye propina? if the table is large, because some places do add it for groups.
Everyone chips in together. It is friend language, used for splitting a bill, buying beer or covering a gift, and it never appears in a conversation with the waiter.