To send a cash pickup to Guatemala with MAJORITY, choose cash pickup in the app, pick a participating bank, and your recipient collects with a valid ID.
Quick answer
Cash pickup is one of three ways MAJORITY supports sending money to Guatemala, alongside bank transfers and the Tigo Money mobile wallet. You set up the transfer in the app, choose cash pickup as the delivery method, and select a participating Guatemalan bank. Your recipient then walks into a participating branch with a valid government-issued ID and the transfer reference, and collects the money in Guatemalan quetzales (GTQ). Cash pickups are usually available the same day, and most Guatemala transfers are instant.
What you need to know
- Cash pickup in Guatemala is supported at participating branches of Banco Industrial, G&T Continental, Bantrab, and Banco Agromercantil (BAM).
- The receive-side currency for Guatemala is the Guatemalan quetzal (GTQ); your USD amount is converted at the exchange rate shown in the app before you confirm.
- Cash pickup is typically available the same day at participating locations, and most Guatemala transfers are instant once confirmed.
- Your recipient needs a valid government-issued ID and the transfer reference to collect the money in person at the branch.
- At the member tier, no per-transfer fee applies to Guatemala transfers regardless of delivery method; the MAJORITY membership is $5.99 per month.
What "cash pickup" means for a Guatemala transfer
Cash pickup is a delivery method where your recipient collects physical cash at an authorized branch instead of receiving a deposit into a bank account or a mobile wallet. It works best when your recipient does not have a Guatemalan bank account, prefers cash for everyday spending, or lives close to a participating branch.
For the Guatemala destination, the cash-pickup network runs through major Guatemalan banks rather than through retailer chains. The participating banks are:
- Banco Industrial
- G&T Continental
- Bantrab
- Banco Agromercantil (BAM)
Together, these four banks have a heavy presence in Guatemala City, Quetzaltenango, Antigua, and most departmental capitals, with additional branches in mid-sized towns. For very rural recipients, a bank transfer to Banrural (which has the densest rural branch network in Guatemala) is often a more practical option than a cash pickup at one of the four cash-pickup banks. Ask your recipient which bank is closest to where they live before you choose the delivery method.
How the cash-pickup flow works, step by step
The end-to-end process from your phone in the US to cash in your recipient's hand in Guatemala has the same shape on every transfer.
- Open the app and start a new money transfer.
- Select Guatemala as the destination country.
- Choose cash pickup as the delivery method.
- Pick a participating bank: Banco Industrial, G&T Continental, Bantrab, or BAM. Choose the one closest to your recipient.
- Enter the recipient's details exactly as they appear on the ID they will use to pick up the cash. Names must match the ID; a mismatch can block the pickup at the branch.
- Enter the USD amount you want to send. The app shows the live USD-to-GTQ exchange rate, the GTQ total your recipient will receive, and the estimated delivery time before you confirm.
- Confirm the transfer. You receive a transfer reference number; share it with your recipient along with the chosen pickup bank.
- Your recipient collects in person at any participating branch of the chosen bank, with a valid government-issued ID and the transfer reference.
The transfer reference and the recipient's ID together unlock the pickup. Without both, the branch will not release the cash.
Cash pickup compared with the other two Guatemala delivery methods
Three delivery methods are supported to Guatemala. The table below summarizes how cash pickup compares with the alternatives on what the recipient needs, typical speed, and best fit.
| Delivery method | What your recipient needs | Typical speed | Best fit |
|---|---|---|---|
| Cash pickup at a participating bank branch | A valid government-issued ID and the transfer reference, at a branch of Banco Industrial, G&T Continental, Bantrab, or BAM | Same day at most participating locations | Recipients without a Guatemalan bank account, or who prefer cash |
| Bank transfer to a Guatemalan bank | A bank account at Banco Industrial, Banrural, G&T Continental, Bantrab, Banco Agromercantil (BAM), or another supported institution | 30 minutes to 5 business days, depending on the receiving bank | Recipients who already bank with a major Guatemalan institution; broadest rural reach via Banrural |
| Mobile wallet to Tigo Money | A Tigo Money account on a Guatemalan phone number | Minutes once the transfer is confirmed | Recipients who already use Tigo Money for everyday payments |
Cash pickup is the right method when your recipient does not have a bank account, when they prefer to hold physical cash, or when the participating cash-pickup branch is closer to them than the nearest Tigo Money agent. For very rural recipients, a Banrural bank transfer is often more accessible than a cash pickup, because Banrural's branch network reaches deeper into rural Guatemala than the four cash-pickup banks combined.
ID and pickup requirements at the branch
Cash pickup at a Guatemalan bank requires the recipient to present identification in person at the branch. The exact documents accepted can vary by bank and branch, but the following are commonly used:
- DPI (Documento Personal de Identificación), the Guatemalan national ID
- Passport, for Guatemalan or foreign nationals
- Other valid government-issued photo ID accepted by the specific bank
Your recipient should bring the ID, the transfer reference you share with them after confirming the send, and ideally a copy of the SMS or in-app receipt that names the participating bank and the amount in GTQ. The name entered when you set up the transfer must match the name on the ID exactly. If your recipient has a long legal name, double-check the spelling and the order before you confirm; corrections after the fact can delay the pickup.
Typical timing for a Guatemala cash pickup
Most Guatemala transfers are instant once you confirm them in the app. For cash pickup specifically, "instant" means the funds are available at the chosen bank's participating branches the same day, typically within minutes.
The exact estimated delivery time is shown in the app on the confirmation screen before you confirm the send. That estimate is the authoritative figure for the specific transfer you are about to make, since it reflects the chosen bank, the time of day, and the partner network's current processing status. Check it before you confirm if your recipient is waiting at the branch.
What to do next
- Ask your recipient which of the four cash-pickup banks has a branch closest to where they live: Banco Industrial, G&T Continental, Bantrab, or BAM.
- Confirm the exact name on the ID your recipient will use to collect the cash.
- Open the app, start a transfer to Guatemala, and choose cash pickup as the delivery method.
- Enter the recipient's details, the chosen bank, and the USD amount. Review the GTQ total, the exchange rate, and the estimated delivery time.
- Confirm the transfer and share the transfer reference and the chosen pickup bank with your recipient.
How MAJORITY can help
MAJORITY is a financial membership for migrants in the US. The Guatemala destination includes cash pickup at participating branches of Banco Industrial, G&T Continental, Bantrab, and Banco Agromercantil (BAM); bank transfers to those banks plus Banrural and other major Guatemalan institutions; and mobile wallet sends to Tigo Money. At the member tier, no per-transfer fee applies to Guatemala transfers regardless of delivery method, and the live exchange rate and estimated delivery time are visible in the app before each transfer is confirmed.
To get started:
Frequently asked questions
How do I send a cash pickup to Guatemala with MAJORITY?
Open the app, start a transfer to Guatemala, choose cash pickup as the delivery method, and select one of the four participating banks: Banco Industrial, G&T Continental, Bantrab, or Banco Agromercantil (BAM). Enter the recipient's details exactly as they appear on the ID they will use to collect the cash. Confirm the transfer, share the transfer reference with your recipient, and they collect at a participating branch with a valid government-issued ID.
Which banks offer cash pickup in Guatemala through MAJORITY?
Cash pickup is supported at participating branches of Banco Industrial, G&T Continental, Bantrab, and Banco Agromercantil (BAM). For bank deposits, the supported network is broader and includes Banrural and several other Guatemalan banks, but cash pickup is limited to these four institutions.
Where can my recipient pick up cash in Guatemala?
At any participating branch of Banco Industrial, G&T Continental, Bantrab, or Banco Agromercantil (BAM). These four banks together cover Guatemala City, the departmental capitals, and most mid-sized towns. For recipients in remote rural areas, ask whether a Banrural bank transfer is more practical than a cash pickup, since Banrural has the densest rural branch network in Guatemala.
What ID does my recipient need to pick up money in Guatemala?
A valid government-issued photo ID, commonly the DPI (Documento Personal de Identificación) or a passport. The exact documents accepted can vary by bank, so it is worth confirming with the chosen pickup bank in advance. The name on the ID must match the recipient name you entered when setting up the transfer.
How long does a cash pickup to Guatemala take?
Most Guatemala transfers are instant, and cash pickups are usually available the same day at participating branches once the transfer is confirmed. The exact estimated delivery time for your specific transfer is shown in the app on the confirmation screen before you send.
Is there a fee to send cash pickup to Guatemala with MAJORITY?
At the member tier, no per-transfer fee applies to Guatemala transfers, regardless of delivery method, including cash pickup. The MAJORITY membership is $5.99 per month. The applicable USD-to-GTQ exchange rate at the time of the transfer is shown in the app before you confirm.
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.