Send money from United States to Honduras(USD → HNL)

Wise and Remitly are consistently the most cost-effective options for USD to HNL transfers. Wise uses the real mid-market exchange rate with a transparent fee of around 0.5–1%, meaning no hidden markup on the exchange rate. Remitly offers competitive rates with frequent zero-fee promotions for new and returning users. For a $500 transfer, using a digital provider over Western Union or a bank wire saves HNL 100–400 in total value received. Xoom (PayPal) is another popular option with fast delivery to Honduran banks and cash pickup locations, though its exchange rate markup is slightly higher than Wise.

Cash pickup through Western Union, MoneyGram, and Remitly is available within minutes at agent locations across Honduras. Bank deposits to Banco Atlántida, BAC Honduras, Ficohsa, and Banco de Occidente typically arrive within 1–2 business days via Wise, Remitly, or Xoom. Tigo Money wallet delivery is near-instant once the provider processes the transfer. Traditional bank SWIFT transfers take 3–5 business days and may incur correspondent bank deductions. Funding with a US debit card speeds up provider processing compared to ACH bank transfers, which take 1–3 days to clear.

Yes, Tigo Money is supported as a delivery method by select providers on the USD to HNL corridor. Tigo Money, operated by Millicom, is Honduras's leading mobile wallet and allows recipients to receive funds, pay bills, buy airtime, and cash out at Tigo agent locations. Delivery is near-instant once the sending provider processes the transfer. WorldRemit and Remitly support mobile wallet delivery to Honduras. The recipient needs a Tigo Money-registered Honduran mobile number. This is particularly useful for recipients in rural areas where bank branches are scarce but Tigo agents are present.

All major digital providers support bank deposits to Honduras's largest banks. Banco Atlántida is the largest private bank in Honduras and is widely supported by Wise, Remitly, Xoom, and WorldRemit. BAC Honduras (part of BAC Credomatic, Central America's largest banking group), Ficohsa, Banco de Occidente, and Banpaís are also commonly supported receiving banks. You will need the recipient's full name (matching their bank records), bank name, and account number. Honduras uses a domestic account numbering system — there is no IBAN format. Some providers may also require the branch name or location.

Transfer limits vary by provider. Wise allows up to $1,000,000 per transfer for fully verified accounts. Remitly limits vary by delivery method, typically $2,999–$10,000 per transaction. Western Union and MoneyGram have per-transaction limits of $5,000–$7,500 for online transfers. US regulations require financial institutions to file a Currency Transaction Report (CTR) for transfers over $10,000 under the Bank Secrecy Act — this is a reporting requirement, not a prohibition. On the Honduran side, the Central Bank of Honduras (BCH) monitors incoming remittances but does not restrict how much an individual can receive. For very large transfers, OFX and XE offer better rates and dedicated support.