There are no hidden fees when you send money to Honduras with MAJORITY: one flat $3.00 network fee per transfer, shown upfront with the live USD-to-HNL exchange rate, on top of the $5.99 monthly membership.
Quick answer
The membership is a fixed $5.99 monthly cost, and each Honduras transfer carries a flat $3.00 network fee per transaction. That fee is the same every time, whether you send by bank transfer or cash pickup, and it is shown in the app before you confirm. There is nothing hidden: the live exchange rate, the $3.00 network fee, and the estimated delivery time all appear upfront on every transfer.
What you need to know
- The membership uses a flat monthly model, not a pay-per-transfer model. You pay $5.99 per month and send as many Honduras transfers as you need.
- Each Honduras transfer carries a flat $3.00 network fee per transaction, the same every time. This is the only per-transfer charge at the member tier, and it is shown upfront before you confirm.
- The Honduras route supports bank transfer and cash pickup. The $3.00 network fee is identical for both; mobile-wallet delivery is not available to Honduras today.
- Transfers are sent in Honduran lempira (HNL), with the live USD-to-HNL exchange rate shown in the app before you confirm.
- Most Honduras transfers are instant. Some bank transfers can take up to 5 business days, depending on the receiving institution.
- Membership-based pricing is most cost-effective for members who send to Honduras regularly, not for one-time senders.
How a membership-based money transfer to Honduras works
Most US-to-Honduras providers price each send as a per-transfer fee plus an exchange-rate margin, and the headline cost is not always the cost you actually pay. The total grows in proportion to how often you send and how much you send each time.
A membership-based provider charges a fixed monthly cost instead. The membership covers Honduras transfers as a bundled service, and each transfer carries a single flat $3.00 network fee, the same whether you send by bank transfer or cash pickup. The exchange rate at the moment of the transfer applies, and the rate, the $3.00 fee, and the estimated delivery time are all visible in the app before you confirm.
For a recipient in Honduras, the experience does not change. The funds arrive in lempira at one of the supported Honduran banks or at a participating cash-pickup branch, on the same speed and delivery network this route uses for any provider. What changes is how the cost is structured on your side: a single fixed monthly cost plus a flat, upfront $3.00 network fee per transfer, with no surprise charges layered on at the end.
What "no hidden fees" actually means on transfers to Honduras
The phrase "no fees" is widely advertised on transfers to Honduras and is rarely literal. To compare options honestly, separate the cost into its parts and check that each one is shown to you upfront.
- Network fee on this route. Per the published Honduras help article, each transfer carries a flat network fee of $3.00 per transaction. This is the underlying cost of moving funds on the Honduras network, it is the same on every transfer, and it is disclosed to you before you confirm. Nothing about it is hidden.
- Per-transfer markup by the provider. This is an extra fee some providers stack on top of the network cost to monetize each send, and it is often where hidden charges live. At the member tier, the $3.00 network fee is the only per-transfer charge, whether you send by bank transfer or cash pickup, and whether you send $50 or $1,000.
- Exchange-rate margin. The difference between the mid-market USD-to-HNL rate and the rate the provider applies. This is the most common place for hidden costs to sit. The membership does not change the daily live USD-to-HNL rate, and the rate at the time of the transfer is shown in the app before you confirm.
"No hidden fees" means every cost is visible before you confirm. On Honduras transfers that means a flat $3.00 network fee, documented in the Honduras help article, plus the live USD-to-HNL rate, both shown upfront. The exchange-rate margin is the third variable to check in any comparison, because that is where other providers most often hide cost.
Honduras delivery methods covered by the membership
Transfers to Honduras support 2 delivery methods. Both are included in the $5.99 monthly membership and both carry the same flat $3.00 network fee per transaction, with no extra charges added at the member tier.
| Delivery method | What your recipient needs | Typical speed |
|---|---|---|
| Bank transfer to a Honduran bank | An account 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, Cooperativa de Ahorro y Crédito Elga Limitada, or another supported institution | Most transfers are instant; in some cases up to 5 business days, depending on the receiving bank |
| Cash pickup at a partner branch | A government-issued ID at a participating branch of Banco Atlántida, Banco de Occidente, or Cooperativa de Ahorro y Crédito CACIL | Same day at most participating branches |
For a recipient who already has an account at one of the 13 named Honduran banks, the bank-transfer route is usually the fastest. For a recipient who prefers cash, the pickup network at Banco Atlántida, Banco de Occidente, and Cooperativa de Ahorro y Crédito CACIL covers many parts of the country. Either way, the fee is the same flat $3.00.
When membership-based transfer is worth it for Honduras
The membership model is most cost-effective for members who send to Honduras regularly. A quick mental check:
- How often you send. Sending 2 or more transfers a month already brings the per-send share of the $5.99 below $3, and at 4 transfers a month it sits around $1.50 per send, on top of the flat $3.00 network fee each time. Sending once a year is rarely the right fit for a monthly membership.
- How much you send. Per-transfer markups at pay-per-transfer providers often scale with the amount. The $3.00 network fee is flat regardless of size, so larger transfers benefit more from the fixed-cost model.
- Which delivery method you use. If you switch between bank transfer and cash pickup depending on the recipient, the network fee is the same flat $3.00 for both. Pay-per-transfer providers may price these methods differently.
- Whether you also use other services in the bundle. The $5.99 membership covers more than Honduras transfers, including international calling and mobile top-ups. If you use those services too, the per-service share of the membership drops further.
For someone who sends to Honduras once and is not planning to send again, a pay-per-transfer provider may be a closer match. For someone who sends regularly to family or runs ongoing support to a Honduran household, the fixed monthly cost plus the flat $3.00 network fee typically works out lower, and more predictable, than stacking variable per-transfer markups.
What to do next
- Decide on the delivery method your recipient prefers (bank deposit at a specific Honduran bank, or cash pickup at a specific branch).
- Confirm the recipient's details. For a bank transfer, you will need the account holder's full name and account number at one of the supported Honduran banks. For cash pickup, the recipient's full name as it appears on their government-issued ID.
- Open the app, go to the Send Money flow, and select Honduras as the destination.
- Enter the USD amount, review the live USD-to-HNL exchange rate, the flat $3.00 network fee, and the HNL total your recipient will receive, then confirm the transfer.
- Track the status of the transfer in the app. Most Honduras transfers are instant, so the funds typically arrive within minutes.
How MAJORITY can help
The membership is a flat $5.99 per month, and the only per-transfer charge on Honduras transfers is a flat $3.00 network fee, shown upfront with the live USD-to-HNL exchange rate before you confirm. There are no hidden fees added at the end.
To get started directly:
Frequently asked questions
Are there hidden fees when I send money to Honduras?
No. Each Honduras transfer carries a flat $3.00 network fee per transaction, the same whether you send by bank transfer or cash pickup, and it is shown in the app before you confirm. The live USD-to-HNL exchange rate at the time of the transfer also applies and is shown upfront, along with the estimated delivery time. Nothing is added at the end.
Is there a flat fee on Honduras money transfers?
Yes. Each Honduras transfer carries a flat $3.00 network fee per transaction, on top of the flat $5.99 monthly membership. The $3.00 fee is the same every time and for both delivery methods. Pay-per-transfer providers may charge a variable fee per send instead; the cost comparison depends on how often you send.
What is the catch with low-fee Honduras transfers?
There is no catch, because the costs are shown upfront. Each transfer carries a $3.00 network fee per transaction per the published Honduras help article, and the daily live USD-to-HNL exchange rate applies. Both are visible in the app before you confirm, and the HNL total your recipient will receive is shown at the same time, so there are no hidden fees to discover later.
Which Honduran banks can I send money to with MAJORITY?
You can send bank transfers to 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 $3.00 network fee is the same for every option.
How fast does a transfer to Honduras arrive?
Most Honduras transfers are instant. Some bank transfers can take up to 5 business days, depending on the receiving institution; cash pickup is generally available the same day at most participating branches. The estimated delivery time for your specific transfer is shown in the app before you confirm.
Is membership-based money transfer to Honduras cheaper than pay-per-transfer?
It depends on your sending volume. The $5.99 monthly membership covers Honduras transfers, each with a flat $3.00 network fee. If you send to Honduras 2 or more times a month, the membership share drops below $3 per send; at 4 or more transfers a month it sits around $1.50. For someone who sends once or twice a year, pay-per-transfer is usually a closer match; for regular senders, the fixed monthly cost plus the flat $3.00 fee is typically lower, and more predictable, over a year.
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.