NicaraguaNIONicaraguan Córdoba
Nicaragua's currency is the córdoba, and it behaves differently from most world currencies: the exchange rate to the dollar is set not by the market but by the central bank, and since 2023 it has remained at the announced level, without the previous scheduled depreciation. The habit of thinking in dollars has long been part of everyday life - large purchases and rent in the country are often quoted directly in dollars. ATM24 fixes the amount to be credited in córdobas in the application before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the córdoba (NIO), which is divided into 100 centavos. The córdoba exchange rate is managed by the Banco Central de Nicaragua: for many years the currency gradually depreciated according to a predetermined trajectory, but since 2024 the official depreciation rate has been set at 0%, so the exchange rate is maintained at the level announced by the central bank. In daily life and business, large amounts are often quoted in US dollars, although transactions within the country are widely conducted in córdobas. Nicaragua is the largest country in Central America by area; it is home to Lake Nicaragua, one of the region's largest freshwater lakes, known among other things for its population of bull sharks capable of entering freshwater. The name of the national currency is linked to the Spanish conquistador Francisco Hernández de Córdoba, who founded León and Granada in the 16th century. Money transfers from Nicaraguans working abroad are one of the most important sources of foreign currency inflows and household income, so the local banking system regularly works with incoming international payments. The main banking centers are Managua, León, Granada, and Chinandega. For bank transfers, IBAN NI is used, containing 28 characters (NI + 2 check digits + 4 bank letters + 20 account digits). For international transfer you need the recipient's IBAN NI, the bank's SWIFT/BIC, and the recipient's full name.
The official language is Spanish; credentials are formatted in Latin characters, but documents often contain two surnames, so the recipient's name must be transferred in full and exactly as stated by the bank. Nicaragua operates on UTC−6 timezone and is 9 hours behind Moscow. ATM24 checks the available route in advance before confirming the application. The deadline for international SWIFT transfer is 2–5 business days. ATM24 commission is from 0.9%.
Card networks operate in cities, and banks in the country are accustomed to incoming transfers from abroad. The application includes the card number and cardholder's name as shown in the document. The amount in córdobas is visible in the application before payment. Whether the card route works is determined in advance
The country does not use IBAN format: the recipient is found by SWIFT code and account number. Transfer the surname from the document in full: in Nicaragua they are double-barreled. Clarify the account currency - dollar accounts are not uncommon in the country. The route to the recipient's bank is checked before payment
Cash disbursement at the main centers of the country. Main locations - Managua, León, Granada, Chinandega. In rural areas there are fewer branches, and cash is more needed. How much you can withdraw at once is clarified when processing
For Nicaragua you need the recipient bank's SWIFT code, account number, and their name in Latin characters; the country does not use IBAN format. Transfer the surname from the document in full - local surnames are double-barreled, and losing half results in payment being returned. The córdoba exchange rate to the dollar is set by the central bank, not the market, so ATM24 fixes the amount to be credited in the application before payment, and confirms the route in advance.
We accept RUB, USD, EUR and USDT — we pay out in NIO
RUB NIO
0.3823per 1 RUB
10 000 ₽ = 3 823 NIOUSD NIO
34.27per 1 USD
100 $ = 3 427 NIOEUR NIO
38.84per 1 EUR
100 € = 3 884 NIOUSDT NIO
34.27per 1 USDT
100 USDT = 3 427 NIO| You send | Payout in NIO |
|---|---|
| 100 USDT | 3 427 NIO |
| 300 USDT | 10 281 NIO |
| 500 USDT | 17 135 NIO |
| 1 000 USDT | 34 271 NIO |
| 5 000 USDT | 171 353 NIO |
Where recipients usually get the money in Nicaragua
Banpro — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
BAC Nicaragua — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Lafise Bancentro — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Banco de América Central BAC — 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 córdoba (NIO), whose exchange rate is managed by the central bank.
Card systems
Visa and Mastercard are the main systems. CENIS (Centro de Servicios Interbancarios) provides ACH transfers. SINPE (from Costa Rica) is available through select banks. Claro Pay and Tigo Money are developing as mobile wallets.
Payment applications
The official language of the country is Spanish.
Interbank transfers
Bank transfers use IBAN NI, containing 28 characters (NI + 2 check digits + 4 bank letters + 20 account digits). For international transfer you need the recipient's IBAN NI, the bank's SWIFT/BIC, and the recipient's full name.
Financial regulator
The capital and main financial center is Managua.
Special features for ATM24
Nicaragua operates on UTC−6 timezone and is 9 hours behind Moscow.
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
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.
Real stories from real people
Thanks to manager Emil for the promptness! I withdrew money from the ATM by code as fast as possible )
Read full reviewThe exchange went successfully. I needed a small amount to exchange. The courier arrived, doubts disappeared when he said he has worked with the company for 3 years. The extra fee is not very large. But be prepared to have up to an hour for the operation. In any case it's more convenient than looking for something else.
Read full reviewExchanged cash like this for the first time. I won't say I wasn't nervous. But the exchange went smoothly, the rate was very pleasing. Manager Stanislav explained everything, told me everything — special THANKS to him. I recommend this service.
Read full reviewThe exchange went quickly with full support in the messenger. Personal manager Alisa explained everything in detail. Thanks 👍
Read full reviewExcellent service: simple, affordable and reliable. Thanks to manager Ekaterina for the help!
Read full reviewYandex
At first we were distrustful of this type of exchange) But then we got a good manager, Alisa, who clearly showed in messages how simple it is, that the “company” has been on the “market” for years and values its reputation. As for time, from your request for a transfer to ATM receipt safely allow half an hour, the process is not super fast. The rate is average (if you compare the Central Bank and local street exchanges).
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've collected answers about the córdoba, how its exchange rate works, and the procedure for transfers.
For a transfer to Nicaragua in NIO, ATM24 builds the order around the recipient's payout method on the Nicaragua NIO payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
A card or bank-account payout in Nicaragua in NIO is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Nicaragua NIO payout route. The manager confirms the selected bank, such as Lafise Bancentro or Honduras Banco Atlántida, before payment because card and account rules may differ. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
ATM24 can check whether a NIO transfer to Nicaragua may go through Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For Nicaragua, ATM24 does not use one universal recipient form for every NIO transfer. The details are checked by route: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
A NIO transfer to Nicaragua can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Nicaragua NIO payout route, Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, card route, account route, and recipient-name matching against the selected bank record. The expected payout window is shown before payment. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
A NIO transfer to Nicaragua through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Nicaragua NIO payout route, bank such as Honduras Banco Atlántida, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
Payment for a NIO transfer to Nicaragua can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Nicaragua NIO payout route, bank such as Honduras Banco Atlántida, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
The minimum transfer amount to Nicaragua in NIO through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Nicaragua NIO payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Lafise Bancentro to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
For a large NIO transfer to Nicaragua, ATM24 reviews documents around Nicaragua NIO payout route, Lafise Bancentro, BAC Credomatic Banco, recipient-name match, route limit, payment purpose, source-of-funds review, and recipient-name matching against the selected bank record. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
If you send 1000 USD to Nicaragua, the recipient amount in NIO is not a generic market-rate number: 34,270.5 NIO. The calculation uses the payout route, bank such as Honduras Banco Atlántida, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Nicaragua: Lafise Bancentro, BAC Credomatic Banco, Honduras Banco Atlántida, America Banco Procredit, and BANCO DE LA PRODUCCION S.A.
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