HondurasHNLHonduran Lempira
Honduras spans two coasts: a long Caribbean coast in the north, a short outlet to the Pacific Ocean in the south, and separate islands—the Bay Islands: Roatán, Utila, and Guanaja. The currency is the same everywhere—the lempira, named after an indigenous chief who resisted the conquistadors. But lifestyles differ: on the islands, tourism drives the economy and people count in dollars; on the mainland, transactions are in lempiras. So the deposit currency is chosen based on where the recipient is located. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Honduran lempira (HNL), with a managed exchange rate; 1 lempira = 100 centavos. The currency is named after Lempira, a chief of the Lenca indigenous people who led resistance against Spanish conquistadors; his image appears on banknotes. Honduras has a coastline on the Caribbean Sea to the north and access to the Pacific Ocean through the Gulf of Fonseca to the south. A separate part of the country is the Bay Islands archipelago with the islands of Roatán, Utila, and Guanaja, where the economy is largely tied to tourism and diving; English is significantly more widespread there, and US dollars are used noticeably more often than on the mainland, where Spanish remains the main language and HNL is the currency of transactions. The central bank and regulator is Banco Central de Honduras, located in Tegucigalpa. Major banks include Banco Atlántida, the oldest and one of the largest banks in the country, as well as BAC Honduras, Banco Ficohsa, and Banpaís.
The IBAN format is not used in Honduras: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's name in Latin characters. In Spanish-language documents, recipients often have two surnames listed, so the spelling of the name and both surnames must be verified against the bank details. Honduras has not imposed its own sanctions against Russia; however, any specific transfer depends on the recipient bank, correspondent chain, and standard AML/KYC checks. The official language is Spanish; English is widely spoken on the Bay Islands. The country operates in UTC−6 time zone, 9 hours behind Moscow. ATM24 checks the available route in advance before confirming your request. International SWIFT transfers take 2–5 business days. ATM24 commission from 0.9%.
Cards from Honduran banks credit lempiras; on the islands, some accounts are maintained in dollars. Banco Atlantida, BAC Honduras, Banco Ficohsa, Banpais. You need 16-digit card number and cardholder name in Latin characters, with both surnames. Clarify where the recipient lives: on Roatán, dollar accounts are more common
Honduran banks do not issue IBAN: the recipient is identified by the pair of SWIFT code plus account number. In your request, provide the bank's SWIFT code, account number, and recipient's name with both surnames. Incoming transfers to Honduran banks are routine: the country has long relied on them. The account currency determines the deposit currency—lempiras on the mainland, dollars more often on the islands
Lempira cash payouts in the country's two largest cities. Tegucigalpa is the capital; San Pedro Sula is the industrial center in the north. On the islands of Roatán and Utila, transactions are more often in dollars than lempiras. Agree on the collection city and available amount before submitting your request
For Honduras, the recipient's bank is identified by SWIFT code and account number—the IBAN system does not exist in the country. Transfer the name from your document with both surnames—the bank verifies them in full. The lempira is managed by the central bank without sharp fluctuations, so the amount is calculated predictably and fixed before payment. The country has not imposed sanctions against Russia. One detail specific to Honduras: if the recipient lives on Roatán or neighboring islands, clarify the currency of their account—USD is used more often there than lempiras.
We accept RUB, USD, EUR and USDT — we pay out in HNL
RUB HNL
0.2683per 1 RUB
10 000 ₽ = 2 683 HNLUSD HNL
24.05per 1 USD
100 $ = 2 405 HNLEUR HNL
27.27per 1 EUR
100 € = 2 727 HNLUSDT HNL
24.05per 1 USDT
100 USDT = 2 405 HNL| You send | Payout in HNL |
|---|---|
| 100 USDT | 2 405 HNL |
| 300 USDT | 7 216 HNL |
| 500 USDT | 12 027 HNL |
| 1 000 USDT | 24 053 HNL |
| 5 000 USDT | 120 266 HNL |
Where recipients usually get the money in Honduras
SWIFT: Confirm; Description: Oldest and one of the largest banks in the country; Tegucigalpa
Banco de Occidente Honduras — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
FICOHSA — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
SWIFT: Confirm; Description: One of the commercial banks in the country
Davivienda Honduras — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
The national currency is the Honduran lempira (HNL), with a managed exchange rate.
Card Systems
Visa and Mastercard are the main systems. Sistema de Pagos de Honduras (SIEPAH) provides interbank settlements. Tigo Money, Banco Atlántida Pay—mobile wallets. Most transactions in provinces are in cash lempiras.
Payment Applications
Tigo Money (Millicom Honduras)—leader in mobile payment coverage. BAC Credomatic Honduras App and Banco Atlantida Digital—banking applications. PayPal limited. Tengo (Tigo) for agent transfers.
Interbank Transfers
IBAN format is not used in Honduras: international transfers use the bank's SWIFT/BIC code and account number.
Financial Regulator
Banco Central de Honduras—the central bank and primary financial regulator of the country; located in Tegucigalpa.
Special Features for ATM24
Honduras has not imposed its own sanctions against Russia.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Answers about the lempira, its name and exchange rate, as well as differences between the mainland and the Caribbean islands of the country.
A money transfer to Honduras in HNL through ATM24 starts with choosing how the recipient will be paid on the Honduras HNL payout route. The manager verifies recipient name, payment method, Banco Ficohsa, fee from 0.9%, and estimated processing time before payment. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
The recipient can use a card or bank account for an HNL transfer to Honduras if that channel is available for the bank. Before payment, ATM24 checks Banco Atlántida, Banco Ficohsa, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
A transfer to Honduras in HNL can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras. ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
For an HNL transfer to Honduras, ATM24 checks recipient details against the selected receiving route: Honduras HNL payout route, Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras, card payout, account payout, recipient name, HNL payout data, and different receiving rules for Banco Ficohsa and Banco de Occidente. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
Transfer timing to Honduras in HNL starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks Banco Atlántida, Banco Ficohsa, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
For a transfer to Honduras in HNL, the ATM24 service fee starts from 0.9% and is confirmed before payment. The manager calculates the final amount using the Honduras HNL payout route, exchange conditions, recipient bank such as Banco Atlántida, and sender's payment method. Separate bank or card-issuer fees may still apply outside the ATM24 calculation. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives HNL in Honduras. The manager checks Banco Atlántida, Banco Ficohsa, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
ATM24 accepts transfers to Honduras in HNL from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Honduras HNL payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
Large transfers to Honduras in HNL are checked by amount, recipient route, and receiving bank. ATM24 reviews Banco Atlántida, Banco de Occidente, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
The estimated payout for sending 1000 USD to Honduras in HNL should be checked by route: 24,053.14 HNL. ATM24 reviews Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final HNL amount in the order. Bank-route examples for Honduras: Banco Atlántida, Banco Ficohsa, BAC Credomatic Honduras, Banco de Occidente, and Banco Davivienda Honduras.
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