To send cash pickup to Ecuador with MAJORITY, use the app to send US dollars to a participating partner, where your recipient collects cash with a valid ID.
Quick answer
Cash pickup to Ecuador is paid out in US dollars at named partner locations including Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank. Because Ecuador uses the US dollar as its official currency, your recipient picks up the exact USD amount you sent, with no exchange-rate conversion. You start the transfer in the app, the recipient is notified, and they collect the cash in person with a valid government-issued ID at a participating location.
What you need to know
- Cash pickup to Ecuador is paid out in US dollars, the same currency you sent, because Ecuador has used the US dollar as legal tender since 2000.
- Documented cash-pickup partners include Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank.
- Cash pickup is generally available the same day at participating locations, subject to branch hours.
- The recipient needs a valid government-issued ID, such as an Ecuadorian cédula de identidad or a passport, plus the transaction reference shared from the app.
- A network fee of $3.00 per transaction applies on the Ecuador destination, on top of the $5.99 monthly membership.
- Your recipient does not need a bank account or an app of their own to receive cash pickup.
How cash pickup to Ecuador works
Cash pickup is one of three delivery methods supported for Ecuador. The other two are bank transfer to an Ecuadorian bank and deposit to an Ecuadorian credit union (cooperativa). Cash pickup is the method to use when your recipient does not have a bank account, lives outside a major banking center, or simply prefers to collect physical cash.
The process has four steps:
- You start the transfer in the app and choose Ecuador as the destination country.
- You select cash pickup as the delivery method and pick the partner location your recipient will use.
- You confirm the amount and the per-transfer fee, then send. The app shows the total USD that will be available for pickup before you confirm.
- Your recipient goes to the chosen partner location, presents a valid ID and the transaction reference, and collects the cash.
Because the transfer is USD-to-USD, the dollar amount your recipient picks up is the dollar amount you sent. There is no currency conversion and no exchange-rate margin to read.
Ecuador cash-pickup partners
The app lets you select from a documented set of cash-pickup partners across Ecuador. The current list of participating partners includes:
| Partner | Type | What it is |
|---|---|---|
| Banco de Guayaquil | Bank | One of Ecuador's largest commercial banks, with branches across the country |
| Banco del Austro | Bank | A nationwide Ecuadorian bank, well represented in the southern Sierra and Amazonia |
| Cooperativa Jep | Credit union (cooperativa) | One of Ecuador's largest savings and credit cooperatives, with strong coverage in Azuay and beyond |
| Easy Pagos | Payment network | A pickup-network operator with participating locations in many Ecuadorian cities |
| Banco DelBank | Bank | An Ecuadorian bank that participates in the cash-pickup network |
Always confirm the exact pickup point with your recipient before you confirm the transfer in the app. Branch availability varies by city, and a partner that is convenient in Guayaquil may not be the closest option in Cuenca or Quito.
What your recipient needs to bring
Your recipient collects the cash in person, so they need to bring identification and the transaction details with them.
- A valid government-issued ID. An Ecuadorian cédula de identidad is the standard document for Ecuadorian citizens and residents. A passport also works. The name on the ID must match the recipient name you entered in the app exactly, so double-check the spelling before confirming.
- The transaction reference. When you confirm the transfer in the app, a reference or transaction number is generated for the pickup. Share this with your recipient through whichever channel you both use.
- The exact amount expected. Your recipient can ask for the cash equivalent of the amount you sent, in US dollars. Knowing the number in advance makes the counter conversation faster.
Each partner location sets its own counter procedure, and the requesting agent may ask for additional verification. Asking your recipient to bring both their cédula and a second form of ID is a useful precaution if a partner location requires it.
Timing and limits to plan around
Cash pickup is generally same-day at participating locations, subject to branch hours. A few practical points to plan around:
- Branch hours. Bank and cooperativa branches in Ecuador typically close earlier than US business hours and may close on Sundays. Sending late in the US day can push pickup to the next business day in Ecuador.
- City and town coverage. Cities like Quito, Guayaquil, and Cuenca have wide partner coverage. Smaller towns may only have one or two participating locations.
- Holidays. Ecuadorian national holidays (such as Día de la Independencia on August 10 and Carnaval) close most branches. Plan around them if possible.
- Per-transfer limits. The app shows the maximum amount you can send per transaction and per period. If you need to send more than the per-transaction limit, plan a sequence of transfers.
For the most time-sensitive sends, picking a partner with branches close to your recipient's home or workplace is more useful than picking the partner with the most national coverage.
Cost: what you pay and what your recipient receives
Because Ecuador is a dollarized economy, the cost structure of an Ecuador cash-pickup transfer is straightforward compared to countries that involve a USD-to-local-currency conversion.
The cost has two main components:
- A $3.00 network fee per transaction, documented for Ecuador transfers. This is the network cost of the delivery methods into the Ecuadorian banking and pickup system.
- The $5.99 monthly MAJORITY membership, which covers your access to international money transfers, the MAJORITY account, the MAJORITY Visa® Debit Card, mobile top-ups, and international calling.
Your recipient receives the exact USD amount you confirmed in the app. There is no exchange-rate spread, since the recipient is paid in US dollars and you sent US dollars. Each partner location may apply its own counter handling at pickup; the app shows the amount available for pickup before you confirm.
What to do next
- Open the app and select Ecuador as the destination country.
- Choose cash pickup as the delivery method.
- Pick the participating partner location closest to your recipient (Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank), and confirm the spelling of the recipient name as it appears on their cédula or passport.
- Confirm the amount and the $3.00 network fee. Send.
- Share the transaction reference with your recipient and tell them which partner location to visit.
Related MAJORITY resources
MAJORITY is a financial membership for migrants in the US. The Ecuador destination supports cash pickup at participating partner locations including Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank, paid in US dollars with a documented $3.00 network fee per transaction.
To get started:
Frequently asked questions
Where can my recipient pick up cash in Ecuador?
Your recipient can pick up cash at participating partner locations including Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank. Confirm the exact branch with your recipient before confirming the transfer in the app, since coverage varies by city.
How long does cash pickup to Ecuador take?
Cash pickup to Ecuador is generally available the same day at participating partner locations, subject to branch hours. Sending late in the US day or near Ecuadorian holidays can push pickup to the next business day.
What ID does my recipient need to pick up cash in Ecuador?
A valid government-issued ID is required. For Ecuadorian citizens and residents, that is typically the cédula de identidad; a passport also works. The name on the ID must match the recipient name you entered in the app exactly.
What currency is paid out for cash pickup in Ecuador?
US dollars. Ecuador has used the US dollar as its official currency since 2000, so your recipient picks up the exact USD amount you confirmed in the app, with no exchange-rate conversion.
Does MAJORITY charge a fee for cash pickup to Ecuador?
Yes. A network fee of $3.00 per transaction applies for Ecuador transfers, on top of the $5.99 monthly membership. The fee is shown in the app before you confirm the transfer.
Can I send cash pickup to Ecuador if my recipient does not have a bank account?
Yes. Cash pickup is the delivery method designed for recipients who do not hold a bank account. Your recipient only needs a valid government-issued ID and the transaction reference to collect cash at a participating partner location.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.