To send money to Honduras with MAJORITY, open the app or WhatsApp, pick Honduras, choose bank transfer or cash pickup, then confirm in lempira.
Quick answer
The full process is short: open an account with a government-issued ID (no SSN required), open the app or start a transfer through WhatsApp, choose Honduras as the destination, pick how your recipient should receive the money (a bank deposit to one of 13 supported Honduran banks, or a cash pickup at participating branches of Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL), enter the USD amount, review the live USD-to-HNL rate and the Honduran lempira total the recipient will receive, then confirm. Most Honduras transfers settle within minutes; bank transfers can take up to 5 business days depending on the receiving bank.
What you need to know
- You do not need an SSN to open an account. A valid government-issued photo ID is enough, including a passport, a US or foreign driver's license, or a matrícula consular.
- Transfers can be started from the app or from WhatsApp. Both channels send to the same Honduras delivery methods and use the same live USD-to-HNL rate.
- The Honduras destination supports two delivery methods: bank transfer to a Honduran bank account, and cash pickup at participating partner branches.
- The recipient receives the funds in Honduran lempira (HNL); the live exchange rate and the exact HNL amount appear in the app before you confirm.
- The MAJORITY membership is $5.99 per month, and transfers to Honduras carry a $3.00 network fee per transaction. The $3.00 fee applies whether you send by bank transfer or cash pickup, and it is shown in the app, alongside the live USD-to-HNL exchange rate, before you confirm.
Step 1: Open an account with a government-issued ID
You can open an account without an SSN. Accepted documents include:
| ID type | Issued by |
|---|---|
| US passport or US driver's license | United States federal or state government |
| Foreign passport | The issuing national government |
| Foreign driver's license | The issuing state, province, or department |
| Matrícula consular | A consulate in the United States |
Download the app from the App Store or Google Play, scan your ID, enter your address and phone number, and wait for approval. Once the account is opened, you can send money to Honduras from the same app.
Step 2: Open the app or start a transfer through WhatsApp
There are two ways to start a Honduras transfer. Both end at the same delivery options and the same live exchange rate.
- In the app. Open the app and tap Send money. The transfer flow walks you through choosing the destination country, the delivery method, and the recipient.
- Through WhatsApp. WhatsApp is supported as an outbound sending channel for members. The conversational flow asks for the same details (destination, delivery method, recipient, amount) and uses the same Honduras delivery methods.
If a recipient already has your transfer details saved, repeat sends are a few taps.
Step 3: Pick Honduras and choose a delivery method
Select Honduras as the destination country. You then choose how your recipient will receive the money. The two delivery options for this destination are bank transfer and cash pickup. Each one needs slightly different information from your recipient.
| Delivery method | What your recipient gives you | Typical speed |
|---|---|---|
| Bank transfer | Full name on the account, the name of their Honduran bank, the account number at that bank | Often within minutes on Honduras routes; broader range 30 minutes to 5 business days, depending on the receiving bank |
| Cash pickup | Full name as it appears on a government-issued ID, the partner branch they will use, and a working phone number | Same day at participating branches |
Bank transfer is usually the right choice if your recipient holds a Honduran bank account, and cash pickup works if your recipient does not have a bank account and lives near a participating partner branch.
Step 4: Choose the right bank or pickup partner
Bank transfer to a Honduran bank
Bank transfers on this destination land directly in the recipient's account at one of 13 supported institutions: 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, and Cooperativa de Ahorro y Crédito Elga Limitada. The full current list appears in the app when you add the recipient. The single required detail is the recipient's account number at the chosen bank, matched to their full legal name.
Cash pickup at a partner branch
Cash pickup is available at participating branches of Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL. The recipient collects the money in lempira by presenting a government-issued ID and the pickup reference shown in the app after the transfer is sent.
Step 5: Enter the amount, review the rate, and send
The final stretch happens on one screen.
- Enter the USD amount you want to send.
- Check the exchange rate. The app shows the live USD-to-HNL rate at the moment you are sending, along with the exact lempira total the recipient will receive.
- Check the estimated delivery time the app shows for the specific method, bank, and time of day.
- Review the recipient details on the summary screen one last time. A name mismatch, an incorrect account number, or the wrong pickup partner is the most common cause of a held or returned transfer.
- Authenticate with your PIN or biometrics and confirm the transfer.
- Track the transfer on the activity screen. A notification arrives when the funds are released and another when they reach the recipient.
If the summary does not look right, tap back and fix the detail. A returned transfer because of an incorrect account number or name can take several business days to resolve.
What it costs to send money to Honduras
There are three cost components to consider on this route: the membership, the network fee, and the exchange rate.
- The membership is $5.99 per month. It covers the account, the debit card, and access to international transfers in supported destinations.
- A $3.00 network fee per transaction applies to Honduras transfers, shown in the app before you confirm. The $3.00 fee is the same whether you send by bank transfer or cash pickup, and it appears in the summary screen alongside the exchange rate so you can review the full breakdown before you send.
- The exchange rate is the one shown in the app at the moment you confirm the transfer. The live USD-to-HNL rate and the resulting Honduran lempira (HNL) total appear before you tap send, so you can decide based on the actual number your recipient will receive.
The Honduran receiving bank, in rare cases, may deduct a small correspondent-bank fee on the incoming international wire; this varies by institution and is set by the receiving bank, not the sender's app.
What to do next
- Make sure you have a valid government-issued ID ready (passport, US or foreign driver's license, or matrícula consular) and open the app to sign up.
- Ask your recipient how they want to receive the money: a Honduran bank account (gather the bank name and account number) or cash pickup (confirm which partner branch they will use and a working phone number).
- Open the app or start the transfer through WhatsApp, pick Honduras, choose the delivery method, and enter the recipient.
- Enter the USD amount, review the rate, the lempira total, and the $3.00 network fee shown in the summary, then confirm and track the transfer in the activity screen.
How MAJORITY can help
MAJORITY is a financial membership for migrants in the US that supports money transfers to more than 30 countries, including Honduras. Honduras transfers are available through bank deposit to 13 named Honduran banks (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, and Cooperativa de Ahorro y Crédito Elga Limitada) and through cash pickup at participating branches of Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL. The live exchange rate, the lempira total, and the estimated delivery time appear in the app before each transfer is confirmed.
Frequently asked questions
How do I send money to Honduras with MAJORITY?
Open the app or WhatsApp, choose Honduras as the destination, pick bank transfer (with the recipient's Honduran bank and account number) or cash pickup (at Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL), enter the USD amount, review the live exchange rate and the Honduran lempira total, then confirm.
Can I send money to Honduras from the US without an SSN?
Yes. Opening the account does not require an SSN. A valid government-issued photo ID is enough, including a passport, a US or foreign driver's license, or a matrícula consular. Once the account is open, you can send to Honduras through the same app.
Can I send money to Honduras via WhatsApp?
Yes. Transfers to Honduras can be started either inside the app or from WhatsApp. Both channels use the same live exchange rate, the same delivery options (bank transfer or cash pickup), and the same Honduran bank and cash-pickup partner networks.
Which Honduran banks can I send a bank transfer to?
Supported banks include 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, and Cooperativa de Ahorro y Crédito Elga Limitada. Cash pickup is available at participating branches of Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL. The full current list appears in the app when you add the recipient.
How long does a money transfer to Honduras take?
It depends on the delivery method, and this destination is one of the faster ones overall. Most Honduras bank transfers settle within minutes; the broader bank-transfer envelope is 30 minutes to 5 business days, depending on the receiving bank. Cash pickup at a participating partner branch is usually available the same day.
How much does it cost to send money to Honduras?
The MAJORITY membership is $5.99 per month and covers the account and access to international transfers. A $3.00 network fee per transaction applies to Honduras transfers, shown in the app before you confirm. The $3.00 fee is the same for bank transfer and cash pickup, and it appears in the summary screen along with the live exchange rate and the lempira total the recipient will receive.
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.