Send cash pickup to Honduras with MAJORITY by choosing cash pickup in the app, sending in lempira (HNL), and having your recipient collect at a partner branch.
Quick answer
To send a cash pickup transfer to Honduras with MAJORITY, open the app, pick Honduras as the destination, choose cash pickup as the delivery method, enter the amount in USD or HNL, and confirm. Your recipient picks up the cash in Honduran lempira at a participating branch of Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL with a government-issued ID. Most Honduras transfers are instant, so the funds are usually available the same day.
What you need to know
- The three named cash-pickup partners in Honduras are Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL. Pickup is at a participating branch of one of these partners.
- Funds are paid out in Honduran lempira (HNL), and the live USD-to-HNL exchange rate is visible in the app before you confirm the transfer.
- Most Honduras transfers are instant, so the cash is typically ready for pickup the same day, often within minutes of you confirming the send.
- Your recipient needs a valid government-issued ID at the branch counter to collect the cash. The transfer reference number from the app makes the lookup faster.
- Your $5.99 monthly membership includes Honduras transfers, and each one carries a $3.00 network fee per transaction, shown in the app before you confirm. The $3.00 fee is the same whether you send by bank transfer or cash pickup.
What "cash pickup" means on the Honduras destination
Cash pickup is a money-transfer delivery method where you send funds from the US and your recipient collects the money in physical cash at a partner location in the destination country. There is no recipient bank account in the middle of the transaction. The funds move from your account in the US, through the Honduras partner network, to a teller at a participating branch in Honduras who hands the lempira directly to your recipient.
The cash pickup method is the right choice when your recipient does not have a Honduran bank account, lives near a partner branch but not their own bank, or needs cash in hand for an immediate expense like rent, groceries, transport, or a medical visit. It is also a useful option for one-off transfers to a friend or extended-family member who is not set up for a recurring bank deposit.
On the Honduras destination, the three named cash-pickup partners cover a mix of full-service banks and a credit union, which gives recipients flexibility in choosing a location they can reach. The pickup currency is the Honduran lempira (HNL); the exchange rate from USD to HNL is set at the time of the transfer and shown in the app before you confirm.
Where your recipient can pick up cash in Honduras
There are three named cash-pickup partners in Honduras. Your recipient can collect cash at participating branches of any one of them.
| Cash pickup partner | Type | What your recipient needs at the counter |
|---|---|---|
| Banco Atlántida | Full-service Honduran bank | A valid government-issued ID and the transfer reference number from the app |
| Banco de Occidente | Full-service Honduran bank | A valid government-issued ID and the transfer reference number from the app |
| Cooperativa de Ahorro y Crédito CACIL | Honduran credit-union cooperative | A valid government-issued ID and the transfer reference number from the app |
These are the three partners listed for Honduras. Branch coverage within each partner varies by city and region, so it is worth asking your recipient which of the three has the closest participating branch to where they live or work. Hours follow each partner's local branch hours, which are typically weekday business hours with limited Saturday coverage at many branches.
How to send a cash pickup transfer to Honduras: step by step
The cash pickup flow in the app uses the same money-transfer screen as a bank transfer. The difference is which delivery method you pick partway through.
- Open the app and go to the money-transfer tab. Tap "Send money" or the money-transfer entry point on the home screen.
- Select Honduras as the destination country. The app shows the supported delivery methods for Honduras.
- Choose cash pickup as the delivery method. The screen will then ask which pickup partner the recipient prefers.
- Pick the partner network: Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL. Check with your recipient first so they choose a partner with a branch they can reach.
- Enter the recipient's full name exactly as it appears on their government-issued ID. A mismatch here is the most common reason a pickup is delayed at the counter.
- Enter the amount. You can type the USD amount you want to send or the HNL amount you want your recipient to receive; the app calculates the other side at the live exchange rate.
- Review the summary screen. Confirm the exchange rate, the recipient's name, the partner, and the estimated delivery time. The rate and the delivery time are both shown before you confirm.
- Confirm the transfer. The send is processed and a transfer reference number is generated.
- Share the transfer reference with your recipient. Send them the reference number, the partner name (Banco Atlántida, Banco de Occidente, or CACIL), and the exact name on the transfer. They can show the message at the branch counter or write the details down.
- Your recipient picks up the cash. They visit a participating branch of the chosen partner, present a valid government-issued ID, and provide the transfer reference. The teller pays out the funds in Honduran lempira.
Most Honduras transfers are instant, so step 10 is usually available within minutes of step 8, subject to the partner branch being open.
What your recipient needs at the pickup counter
Cash pickup in Honduras requires the recipient to identify themselves at the partner branch. Each partner sets its own document policy, but a few items are universally needed.
- A valid government-issued photo ID. A Honduran Documento Nacional de Identificación (DNI) is the standard document. A current passport also works at most partner branches. Each partner branch sets its own document policy, so it is worth asking which IDs the local branch accepts if your recipient does not have a DNI or passport.
- The transfer reference number. Generated when you confirm the transfer in the app. The teller uses this to look up the transfer in the partner system.
- The exact name on the transfer. The teller will match the name on the ID to the name on the transfer. Middle names, surnames, and accents should match exactly.
- An idea of the expected amount in HNL. Useful for the recipient to confirm at the counter that the lempira amount matches the figure you shared from the app.
If the recipient's ID has a slightly different name than the one on the transfer (a missing middle name, a maternal surname omitted, a different accent), the partner branch may delay the pickup until the discrepancy is resolved. Sending the recipient's name exactly as it appears on their ID is the simplest way to avoid this.
Speed, fees, and exchange rate
Three things determine the actual cost and timing of a Honduras cash pickup transfer.
- Delivery speed. Most Honduras transfers are instant on this destination, which means the funds are usually available for pickup the same day, often within minutes of you confirming the send. Same-day cash pickup at a participating partner location is the general expectation for this delivery method. Final availability depends on the partner branch being open at the time the funds are released.
- Transfer fee. Your $5.99 monthly membership includes Honduras transfers, and each one carries a $3.00 network fee per transaction, shown in the app before you confirm. The $3.00 fee is the same whether you send by bank transfer or cash pickup.
- Exchange rate. The USD-to-HNL rate is set at the time of the transfer and shown in the app before you confirm. There is no surprise rate at the counter; what your recipient picks up in HNL is what the app showed when you sent.
These three factors are visible in the app before you confirm, which removes guessing on the sender side.
When cash pickup is the right choice for Honduras (and when bank transfer is)
The two main delivery methods supported on the Honduras destination are bank transfer and cash pickup. The right one depends on what your recipient can actually use.
Cash pickup is usually the right call when:
- Your recipient does not have a Honduran bank account.
- The recipient lives or works close to a Banco Atlántida, Banco de Occidente, or CACIL branch.
- The money is needed for an immediate cash expense (rent, market spending, transport, school, medical).
- You are sending a one-off transfer to a relative or friend who is not set up for a bank deposit.
Bank transfer is usually the right call when:
- Your recipient has a Honduran bank account they actively use, including at Banco Atlántida, Banco de Occidente, Banco Ficohsa, Banco de Honduras, Banrural, Banco del País, Banco Azteca de Honduras, Banco de América Central Honduras, Banco Davivienda Honduras, Banco Lafise Honduras, Banco Popular, Banco Hondureño del Café, or Cooperativa de Ahorro y Crédito Elga Limitada.
- The funds will go toward bills, savings, or recurring expenses that already run through the bank account.
- The recipient prefers not to make a trip to a branch counter.
Both methods settle quickly on the Honduras destination, so speed alone is rarely the deciding factor. Convenience for your recipient is the question that matters most.
What to do next
- Confirm with your recipient whether they want cash pickup or a bank transfer to a specific Honduran bank.
- If cash pickup, ask them which of the three named partners (Banco Atlántida, Banco de Occidente, Cooperativa de Ahorro y Crédito CACIL) has the closest participating branch.
- Confirm the exact spelling of their full name on a valid government-issued ID.
- Open the app, select Honduras, choose cash pickup, pick the partner, enter the name and amount, review the rate, and confirm.
- Share the transfer reference number with your recipient so they can collect at the counter.
Related MAJORITY resources
MAJORITY is a financial membership for migrants in the US. On the Honduras destination, MAJORITY supports cash pickup in Honduran lempira (HNL) at participating branches of Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL, plus bank transfers to major Honduran banks. Most Honduras transfers are instant, and the live exchange rate and estimated delivery time are visible in the app before each transfer is confirmed.
To get started directly:
Frequently asked questions
How do I send cash pickup to Honduras with MAJORITY?
Open the app, choose Honduras as the destination, pick cash pickup as the delivery method, select Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL as the partner, enter the recipient's full name exactly as it appears on their ID, enter the amount, review the live USD-to-HNL exchange rate, and confirm. Share the transfer reference number with your recipient so they can collect cash at a participating branch.
Where can my recipient pick up money in Honduras?
The three named cash-pickup partners in Honduras are Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL. Your recipient can collect cash at any participating branch of the partner you select when you set up the transfer. Branch coverage within each partner varies by city, so ask your recipient which partner has the closest location to where they live or work.
How long does cash pickup to Honduras take?
Most Honduras transfers are instant on this destination, so the cash is usually available for pickup the same day, often within minutes of you confirming the send. Final availability at the counter depends on the partner branch being open at the time the funds are released.
What ID does my recipient need to pick up cash in Honduras?
A valid government-issued photo ID. A Honduran Documento Nacional de Identificación (DNI) is the standard document; a current passport is also accepted at most partner branches. The name on the ID must match the name on the transfer exactly. Each partner branch sets its own document policy, so it is worth confirming acceptable IDs at the specific branch your recipient plans to use.
Is there a fee to send cash pickup to Honduras?
Your $5.99 monthly membership includes Honduras transfers, and each one carries a $3.00 network fee per transaction, shown in the app before you confirm. The $3.00 fee is the same whether you send by bank transfer or cash pickup. The USD-to-HNL exchange rate at the time of the transfer also applies and is shown in the app before you confirm.
What currency does my recipient receive at the cash pickup counter?
Honduran lempira (HNL). The lempira amount is calculated from the USD amount you send at the live exchange rate visible in the app at the time of the transfer.
Can my recipient pick up cash without a Honduran bank account?
Yes. Cash pickup does not require the recipient to have a bank account. They only need a valid government-issued ID and the transfer reference number from the app at a participating branch of Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL.
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.