How to send money to Ecuador with MAJORITY
To send money to Ecuador with MAJORITY, open the app, select Ecuador, choose bank transfer or cash pickup, enter the recipient's details, and confirm.
Quick answer
Ecuador is a supported destination with two main delivery methods: bank transfer to an Ecuadorian bank or savings cooperative (cooperativa), and cash pickup at an authorized partner location. You set up the transfer in the app, pick Ecuador, choose the method that fits your recipient, enter their details, and confirm. Because Ecuador uses the US dollar as legal tender, the funds arrive in US dollars with no currency conversion; a documented $3.00 network fee per transaction applies, and most transfers are instant.
What you need to know
- To send money to Ecuador from the US, you need an active account, a destination delivery method, and the recipient's name and contact details for that method.
- Ecuador supports two delivery methods: bank or cooperativa deposit (most transfers instant; some up to 2 business days depending on the receiving institution) and cash pickup at participating partner locations (same day at participating branches).
- The account is opened in the app with a government-issued ID such as a passport, a US driver's license, or a matrícula consular; an SSN is not required to open the account.
- Transfers can be initiated from the app on your phone; members can also start an Ecuador transfer by messaging the MAJORITY WhatsApp number, which routes into the same destination.
- The funds are delivered in US dollars (USD) because Ecuador adopted the US dollar as legal tender in 2000, so a transfer from the US is dollar-to-dollar with no exchange-rate margin.
- A documented $3.00 network fee per transaction applies on the Ecuador destination on top of the $5.99 monthly membership, and the fee is visible in the app before each transfer is confirmed.
Before you send: opening an account
Sending money to Ecuador starts with an active account in the US. The account is opened in the app and verified with a government-issued ID. You do not need an SSN to open the account.
Accepted IDs include:
- Passport from your country of origin
- Driver's license issued by a US state
- Matrícula consular issued by your country's consulate in the US
- Other government-issued IDs accepted in the in-app verification process
The app walks you through the steps: provide your name and US residential address, upload a photo of your ID, take a selfie for identity verification, and submit. Once the account is active, you can fund it and send to Ecuador.
How to send money to Ecuador, step by step
These are the sender-side steps, from opening the app to seeing the transfer marked complete.
- Open the app and sign in.
- Tap Send money and select Ecuador as the destination country.
- Enter the amount you want to send in US dollars. The app shows the USD amount your recipient will receive after the $3.00 network fee, and the estimated delivery time, before you confirm.
- Choose the delivery method: bank or cooperativa deposit or cash pickup.
- Enter the recipient's details for that method.
- For bank or cooperativa deposit: institution name (for example, Banco Pichincha C.A. or Cooperativa Jep), account type (cuenta de ahorros or cuenta corriente), account number, cédula, full legal name, phone number.
- For cash pickup: recipient name as it appears on their ID, phone number, the partner network (Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank), and (depending on the partner) the cédula.
- Review the summary: USD amount sent, the $3.00 network fee, USD amount the recipient will receive, delivery method, recipient details, and the estimated delivery time.
- Confirm the transfer. Track the status in the app under your wallet or transfers tab; it moves from Pending to Completed when the funds reach the recipient.
How to send via the app or WhatsApp
You can start an Ecuador transfer from inside the app or by messaging the MAJORITY WhatsApp number. Both channels route to the same Ecuador delivery methods (bank or cooperativa deposit, cash pickup), and the per-transaction network fee and estimated delivery time are shown before you confirm in either channel.
Which delivery method to choose
The Ecuador destination supports two delivery methods. The table below summarizes the trade-offs so you can match the method to your recipient's situation.
| Delivery method | What your recipient needs | Typical speed | Best for |
|---|---|---|---|
| Bank or cooperativa deposit | An account at Banco Pichincha C.A., Banco de Guayaquil, Banco del Pacífico, Banco del Austro, Banco Bolivariano, Banco Internacional, Banco Promerica, Banco de Loja, Banco Solidario, BanEcuador, or a cooperativa such as Cooperativa Jep, Coop. Jardín Azuayo, Coop. Fernando Daquilema, Coop. 29 de Octubre, Coop. Oscus, or Coop. Provida | Most transfers instant; some up to 2 business days depending on the receiving institution | Recipients with an Ecuadorian bank or cooperativa account who want the funds deposited directly |
| Cash pickup at a partner location | A government-issued ID at a participating partner, including Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank | Same day at most participating locations, subject to branch hours | Recipients without a bank account or who need cash in hand the same day |
Confirm with your recipient which method works best before you start the transfer. If they already have an account at one of the supported Ecuadorian banks or cooperativas, a direct deposit drops the money straight into the account they use day to day. If they live closer to an Easy Pagos point or a Banco DelBank branch than to their bank, cash pickup can be faster on the recipient side.
What information you need from your recipient
The exact fields depend on the delivery method, but the core details below cover the Ecuador delivery methods.
- Full legal name. Exactly as it appears on the recipient's ID or bank account.
- Phone number. An Ecuadorian mobile number used for transfer notifications or available at the pickup counter.
- Cédula. The Ecuadorian national ID number for citizens and residents. A passport is accepted in some flows for non-residents.
- Institution name (if applicable). The exact Ecuadorian bank or cooperativa for a direct deposit, or the cash-pickup partner network (Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank) for cash pickup.
- Account number (bank or cooperativa deposit only). The full account number as it appears on the recipient's statement or app, with no spaces or trimmed leading zeros.
- Account type (bank or cooperativa deposit only). Savings (cuenta de ahorros) or checking-equivalent (cuenta corriente). Most Ecuadorian retail accounts are cuenta de ahorros.
Confirming these details in writing with your recipient before you start the transfer is the easiest way to avoid typos that can delay or block the delivery.
How much does it cost to send money to Ecuador?
On the Ecuador destination, a documented $3.00 network fee per transaction applies on top of the $5.99 monthly membership. The fee is the same regardless of delivery method and is visible in the app before each transfer is confirmed.
Because Ecuador uses the US dollar as legal tender, there is no USD-to-local-currency conversion on this destination and no exchange-rate margin. The USD amount your recipient receives equals the USD amount you sent minus the $3.00 network fee.
Tracking and resolving issues
Every Ecuador transfer is visible in the transfers tab inside the app. The status moves through Pending, In Progress, and Completed; if a transfer is held for additional verification, the app prompts you in-flow.
Common reasons an Ecuador transfer can be delayed or returned:
- A typo in the recipient's account number, cédula, or full legal name.
- The recipient's bank or cooperativa is not on the supported list (a small minority of institutions are not yet supported; check the app for the full current list).
- An unusual transfer amount that triggers additional verification on the US side.
If a transfer is returned, the funds usually settle back to your balance within a few business days. The cleanest fix is to re-confirm the recipient's details and resend.
What to do next
- Open or sign in to the app to get started.
- Confirm with your recipient which delivery method works best: bank or cooperativa deposit at a specific Ecuadorian institution, or cash pickup at a specific partner location (Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank).
- Collect the recipient's full legal name, phone number, cédula, and any method-specific details such as the institution name, account type, and account number.
- Enter the USD amount, review the $3.00 network fee, the USD amount your recipient will receive, and the estimated delivery time, then confirm.
- Track the status in the app and stay reachable in case the receiving partner asks the recipient for an additional detail.
How MAJORITY can help
MAJORITY is a financial membership for migrants and newcomers in the US, and Ecuador is one of the more than 30 supported money-transfer destinations. The destination covers bank transfers to Banco Pichincha C.A., Banco de Guayaquil, Banco del Pacífico, Banco del Austro, Banco Bolivariano, Banco Internacional, Banco Promerica, Banco de Loja, Banco Solidario, and BanEcuador; deposits to cooperativas including Cooperativa Jep, Coop. Jardín Azuayo, Coop. Fernando Daquilema, Coop. 29 de Octubre, Coop. Oscus, and Coop. Provida; and cash pickup at Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, and Banco DelBank. The membership is $5.99 per month, a documented $3.00 network fee per transaction applies on this destination, and the fee and estimated delivery time are shown in the app before you confirm.
To learn more or get started:
Frequently asked questions
How do I send money to Ecuador from the US?
Open the app, sign in, tap Send money, and select Ecuador as the destination. Choose a delivery method (bank or cooperativa deposit at a supported Ecuadorian institution, or cash pickup at Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank), enter the recipient's details, review the $3.00 network fee and the USD amount the recipient will receive, and confirm.
Can I send money to Ecuador via WhatsApp?
Yes, members can initiate an Ecuador transfer by messaging the MAJORITY WhatsApp number. The WhatsApp flow asks for the same details as the app and routes into the same Ecuador destination, with the $3.00 network fee and estimated delivery time shown before you confirm.
Do I need an SSN to send money to Ecuador?
No, you do not need an SSN to open an account or to send money to Ecuador. Accepted IDs at account opening include a passport, a US driver's license, a matrícula consular, and other government-issued IDs supported in the in-app verification process.
What currency does the transfer arrive in?
US dollars. Ecuador adopted the US dollar as legal tender in 2000, so the funds you send from the US arrive as USD on the receiving side, with no local-currency conversion and no exchange-rate margin on this destination.
Which delivery method is fastest for Ecuador?
Both delivery methods are fast on the Ecuador destination. Most bank or cooperativa deposits arrive instantly, with some taking up to 2 business days depending on the receiving institution. Cash pickup at Banco de Guayaquil, Banco del Austro, Cooperativa Jep, Easy Pagos, or Banco DelBank is usually available the same day at participating branches.
How much does it cost to send money to Ecuador?
A documented $3.00 network fee per transaction applies on the Ecuador destination on top of the $5.99 monthly membership. The fee is the same regardless of delivery method and is visible in the app before each transfer is confirmed. Because Ecuador uses the US dollar, there is no USD-to-local-currency exchange-rate margin on this destination.
How long does a money transfer to Ecuador take?
Most transfers to Ecuador are instant, although some may take up to 2 business days depending on the receiving bank or cooperativa. Cash pickup at a partner location is generally available the same day, subject to branch hours.
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.