Sending money from the United States to Honduras: the payments stack
Sending USD 200 from the United States to Honduras cost 3.99% of the amount on average in Q3 2025, across 32 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Honduras typically run over ACH Pronto, BCH-TR (Sistema de Liquidación Bruta en Tiempo Real); between now and the end of 2027 there are 10 weekdays when banks in the United States are closed but Honduras keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 3.99% of USD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 3.99% across 32 services |
| Collect in United States | FedNow Service, FedNow network limit, RTP network, Fedwire Funds Service, FedACH and Same Day ACH, Same Day ACH limit |
| Pay out in Honduras | ACH Pronto, BCH-TR (Sistema de Liquidación Bruta en Tiempo Real), E-money wallets (INDEL) |
What it costs to send USD 200
The World Bank surveyed 32 services sending from the United States to Honduras from 13 August 2025 to 28 August 2025. The average total cost, fees plus the FX margin, was 3.99% of the amount sent; money transfer operators averaged 3.99%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the United States
- With few exceptions, each money services business must register with the US Treasury through FinCEN by filing FinCEN Form 107 within 180 days of being established, and must renew the registration every two years; a business that is an MSB only because it acts as agent of another MSB does not register. source
- Money transmission is also licensed state by state. As of September 2026, 31 states have enacted the CSBS Money Transmission Modernization Act in full or in part, and money transmitters licensed in at least one adopting state account for 99% of reported money transmission activity. source
- The Money Transmission Modernization Act sets a minimum tangible net worth of the greater of US$100,000 or 3% of total assets for the first US$100 million, 2% of assets from US$100 million to US$1 billion and 0.5% of assets above US$1 billion, and encourages states to run licensing, surety bonds and reporting through NMLS. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the United States.
The payout side: Honduras
| Payout partner | What it does in Honduras | Source |
|---|---|---|
| dLocal · our guide | Pays out in Honduras by bank transfer for B2C, B2B and remittance (P2P) flows, in lempiras by default or in US dollars to USD accounts when requested, validating DNI (13 digits) and RTN (14 digits). | source |
| Localpayment | Pays lempiras to Honduran bank accounts over ACH Pronto, T+1 with a 12:00 local cut-off; balances are funded by bank wire or USDC and USDT. | source |
| Nium · our guide | Pays to all SWIFT-enabled banks in Honduras by foreign currency wire in 10 currencies (T1, 07:30 UTC processing cut-off) and in lempiras by Visa Direct, listed as instant. | source |
| Tigo Money | Mobile wallet where Hondurans claim Western Union, MoneyGram and Vigo remittances of up to L25,000. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Honduras: launching payments in Honduras.
Payout rails in Honduras
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| ACH Pronto | Ceproban (Centro de Procesamiento Interbancario), overseen by the BCH | Online transfers with immediate credit; the receiving institution must accept or reject within 30 minutes or funds are returned. Clearing cycles run 08:31 to 17:00 (settled 17:15) and 17:01 to 08:30 (settled 08:45). | source |
| BCH-TR (Sistema de Liquidación Bruta en Tiempo Real) | Banco Central de Honduras | RTGS system live since 4 March 2013 that settles high-value interbank and third-party transfers one by one in real time without netting, and also settles other payment systems such as the ACH. | source |
| E-money wallets (INDEL) | BCH-authorised, CNBS-supervised non-bank e-money institution | Wallets can receive salary, pension and family remittance credits up to a L25,000 balance and per-transaction limit and L50,000 of transactions a month (limits last raised in October 2023), against L15,000 and L30,000 for other operations; there were 442,836 active wallet accounts in 2025. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 10 dates when the United States is closed and Honduras is open, the payout balance has to already hold enough to cover them. On the 6 dates when Honduras is closed, instant rails may still pay out.
| Date | United States | Honduras | What it means |
|---|---|---|---|
| Wed 11 Nov 2026 | Veterans Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Thu 26 Nov 2026 | Thanksgiving Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Fri 25 Dec 2026 | Christmas Day | Navidad (Christmas Day) | Both closed |
| Fri 1 Jan 2027 | New Year's Day | Ano Nuevo (New Year's Day) | Both closed |
| Mon 18 Jan 2027 | Martin Luther King Jr. Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Mon 15 Feb 2027 | Washington's Birthday (Presidents Day) | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Thu 25 Mar 2027 | Open | Jueves Santo (Holy Thursday) | Honduras banks closed: only always-on rails pay out |
| Fri 26 Mar 2027 | Open | Viernes Santo (Good Friday) | Honduras banks closed: only always-on rails pay out |
| Mon 19 Apr 2027 | Open | Dia de las Americas (moved from Wednesday 14 April) | Honduras banks closed: only always-on rails pay out |
| Mon 31 May 2027 | Memorial Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Mon 5 Jul 2027 | Independence Day (observed) | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Mon 6 Sep 2027 | Labor Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Wed 15 Sep 2027 | Open | Dia de la Independencia | Honduras banks closed: only always-on rails pay out |
| Thu 7 Oct 2027 | Open | Semana Morazanica | Honduras banks closed: only always-on rails pay out |
| Fri 8 Oct 2027 | Open | Semana Morazanica | Honduras banks closed: only always-on rails pay out |
| Mon 11 Oct 2027 | Columbus Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Thu 11 Nov 2027 | Veterans Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
| Thu 25 Nov 2027 | Thanksgiving Day | Open | Prefund Honduras the day before: no funding from the United States, payouts continue |
Full calendars: United States and Honduras. Size the buffer with the corridor runway calculator.
Funding the corridor
- Fedwire does not run on Saturdays, Sundays or Federal Reserve holidays; the Monday business day opens at 9:00 p.m. ET on Sunday and every business day closes at 7:00 p.m. ET, with customer transfers cut off at 6:45 p.m. ET. source
- Federal Reserve holidays in the rest of 2026 are Veterans Day (11 November), Thanksgiving (26 November) and Christmas (Friday 25 December); in 2027, Juneteenth (19 June) and Christmas (25 December) fall on Saturdays, so the Reserve Banks open on the Friday before. source
- Remittances can be paid in dollars or lempiras at the TCR in force on the contract date (or on the payment date where the origin country does not require the rate on the receipt); dollar payouts must go to a dollar deposit account in the beneficiary's name, and payers must sell the dollars accumulated from lempira payouts to an authorised FX agent by the next business day. source
- Agentes cambiarios must sell 100% of their daily foreign currency inflows to the BCH by the next business day; dollars reaching the BCH after 12:00 are credited in lempiras only on the next business day. source
- The BCH sells dollars through its auction, where agentes cambiarios enter bids from 09:45 to 10:45 for resident clients and for their own needs, pooling client requests below the US$10,000 auction minimum. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in United States, the payout partners and banks in Honduras and any stablecoin in between. It warns before the Honduras balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from the United States to Honduras?
The World Bank's survey put the average total cost of sending USD 200 at 3.99% in Q3 2025, across 32 services. Money transfer operators averaged 3.99%.
Which rails pay out in Honduras?
Local payouts run over ACH Pronto, BCH-TR (Sistema de Liquidación Bruta en Tiempo Real), E-money wallets (INDEL).
When do I need to prefund Honduras payouts ahead of holidays?
Between now and December 2027 there are 10 weekdays when the United States is closed and Honduras is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holiday Schedules (Federal Reserve Banks, 2026 to 2030, plus FedACH holiday processing) · Federal Reserve Financial Services
- Fedwire Funds Service and National Settlement Service Operating Hours · Federal Reserve Financial Services
- Dias feriados en Honduras 2026 y 2027 · Leyes.HN
- Codigo del Trabajo, articulo 339 · Leyes.HN
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator