Sending money to Honduras?
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Honduras and remittances from the United States in 2026
26% of Honduras's GDP comes from remittances sent by the diaspora in the United States. Every dollar that arrives sustains a family, a small business, an education. Honduras is one of the Central American countries most dependent on remittances — these are the numbers that prove it. Data from the Central Bank of Honduras (BCH) 2025 and CEPAL 2024.
From Miami to Tegucigalpa.
From Houston to San Pedro Sula.
Sending money to Honduras is more than a transaction.
Hondurans in the United States send roughly $8.5 billion home each year. That money pays for tuition in Comayagua, builds homes in La Ceiba, and keeps small businesses running in Choluteca.
The difference between one provider and another can be as much as $10 on every $200 sent. Multiply that by the 8 to 12 transfers many families make each year — and the savings come out to between $80 and $120 staying with your family every year.
Sending money to cities in Honduras: 6 main areas
6 main cities in Honduras where your family likely receives. All have coverage from the major providers (Remitly, Xoom, Western Union, MoneyGram) at banks and agencies. Rural areas may require Tigo Money or a bank deposit at the nearest urban branch.
Mistakes when sending money to Honduras that cost up to $50
Each of these mistakes has cost a Honduran between $5 and $50. Learn them before your next transfer.
Always using the same provider
The best provider changes week to week depending on the rate. Comparing every time saves you $5–$10 per transfer.
Falling for "$0 fee"
"$0 fee" doesn't mean a free transfer. The provider makes up for it with a worse exchange rate — you end up receiving fewer lempiras. Always look at the final lempiras received, not just the dollar fee.
Paying Express when there's no rush
"Express" in 5 minutes costs $5–$8 extra vs "Economy" in 1 business day. If your family doesn't need the money TODAY, Express is wasted money. Save it for real emergencies.
Copying the name carelessly
If the name doesn't match character by character with the Honduran ID, the transfer is held and can take days. Copy it exactly — accents, second surnames, everything.
Paying with a credit card
Providers charge an extra 2–4% because card processors (Visa/Mastercard) charge them high fees. On a $200 transfer, that's up to $8 lost. Use debit or ACH (direct bank transfer).
Sending on Friday or the weekend
The BCH doesn't operate on Saturdays or Sundays. The rate "freezes" at Friday's value, which historically tends to be the worst of the week due to bank closures. Send Monday or Tuesday for the best rate.
Frequently asked questions from Hondurans in the US
How many lempiras do I get for $200 USD?
At the current Central Bank of Honduras (BCH) rate, $200 equals the theoretical lempiras shown above multiplied by 200. But each provider applies a margin: the best operator delivers roughly 1–2% less, and the worst up to 3–4% less. Real difference: up to 70 lempiras ($2.80 USD) on a single $200 transfer.
Which Honduran banks receive remittances?
The 5 main ones are BAC Credomatic, Banco Atlántida, Ficohsa, Banpaís, and Banco del País. All major providers (Remitly, Xoom, WorldRemit) deposit directly to these accounts. If your family doesn't have an account, Tigo Money or cash pickup are the alternatives.
Does Tigo Money work everywhere in Honduras?
Yes. Tigo has nationwide coverage, and Tigo Money operates in all 18 departments of the country. Especially useful in rural areas where there's no bank nearby: Lempira, Intibucá, Ocotepeque, La Paz. Regulated by the CNBS.
Is there a tax on remittances in Honduras?
No. Honduras doesn't tax remittances received. Remittances are exempt from personal income tax (ISR). The only cost is the provider's fee and the margin on the exchange rate.
How long does a transfer take to arrive?
Depends on the method and provider:
- Express (Remitly, Xoom, WorldRemit): 5–30 minutes
- Economy (Wise): 1–2 business days
- Tigo Money (mobile wallet): seconds
- Cash (Western Union, Ria): minutes after receiving the MTCN code
- Bank deposit: 2–24 hours depending on the receiving bank
How much arrives in Honduras if I send $100 USD?
At the current BCH rate, $100 equals the theoretical lempiras shown above multiplied by 100. Providers deliver between 1% and 4% less depending on the operator and method. Difference: up to 30 lempiras ($1.15 USD) per transfer — use the comparison tool to see who delivers more today.
Which is the best provider to send to Honduras?
There's no single "best" — it depends on the amount, urgency, and method. Remitly tends to win for amounts under $500 with cash pickup. Wise wins on bank deposits with a rate close to the BCH. Xoom and WorldRemit are competitive with promotions for new users. Use the comparison tool above this page to see who delivers more lempiras today.
Ready to send money to Honduras.
Compare providers and save $8–$15.
With what you've learned in this guide, your next transfer to Honduras can save you $8–$15 vs using the first provider that pops up on Google. Multiplied by 12 transfers a year, that's $100+ staying with your family.
- ✓Send Monday/Tuesday · avoid Friday/weekends
- ✓Debit or ACH > credit card
- ✓Look at lempiras received, not just the fee
- ✓Confirm the name exactly as on the ID
- ✓Save the MTCN or tracking ID of every transfer
- ✓Compare every transfer — the best provider changes week to week
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In-depth guides on banks, methods and how money arrives.
Sources: Banco Central de Honduras (BCH), INE Honduras, US Census Bureau 2020, CEPAL 2024. Macroeconomic data updated annually. HNL/USD rate updated daily. Last content update: April 24, 2026.