Coinepay | How to Send Money to Honduras from the United States: Step-by-Step Guide

Coinepay Global Remittance lets you send money from the United States to Honduras, with payouts to a bank account, an eligible mobile wallet or cash pickup. This guide walks through what you need before you start, how the transfer works step by step, the local payout methods you can choose, and what to do if something needs attention. The exchange rate and any fees are always shown in the Coinepay app before you confirm, so you can review everything in advance.

Before you start: what the sender needs

To send a transfer you need a registered Coinepay account with identity verification (KYC) completed. You can sign up and verify from the Coinepay registration page or in the mobile app for iOS and Android. Transfers are subject to identity verification, sanctions screening and local regulations, and Coinepay may ask for supporting documents such as the purpose of the payment or the source of funds.

You will also need accurate details for your recipient. Honduras's local currency is the lempira (HNL), and most recipients receive funds in lempiras. The details you collect depend on the payout method:

Recipient's full legal name exactly as it appears on their government ID and, for a bank deposit, on their bank account.
Payout destination details — bank account and bank code, IBAN, SWIFT/BIC, wallet phone number or cash-pickup identity, depending on the method you choose below.
A contact phone number and sometimes an address, which some payout partners request.

Honduran anti-money-laundering rules require the sending and receiving institutions to record both the sender's and the beneficiary's names for remittances regardless of amount. Enter names and details exactly and completely to avoid a hold or return.

Choosing a payout method for Honduras

Bank account deposit

For a deposit to a Honduran bank account, collect the recipient's name as shown on their account and ID, the bank name, the account number and the bank code. Honduras has a registered IBAN format: 28 characters beginning with HN, followed by two check digits, a four-letter bank identifier and a 20-digit account number — the bank is identified within the account format itself. Some receiving banks may ask for an IBAN rather than an ordinary account number, so confirm with your recipient's bank which format it expects. For an international bank wire you will also need the receiving bank's SWIFT/BIC code; ask that bank whether an intermediary (correspondent) bank is needed and, if so, its details. Banks commonly used in Honduras include Banco Atlántida, Banco de Occidente, Ficohsa, Banpaís, BAC Credomatic and Banco Davivienda, though availability depends on the selected transfer.

Mobile wallet

Honduras's main mobile-money service is Tigo Money. Eligible international remittances can be credited to a Tigo Money wallet through specified remittance partners, so this option is not offered by every provider or on every transfer. Tigo Money's published conditions require the recipient to be a Honduran adult with a valid national ID and an active, unblocked wallet, and the wallet holder's name must match the remittance beneficiary's name. If you select a wallet payout, make sure the registered wallet name and the name on the transfer are identical.

Cash pickup

With cash pickup, your recipient collects the funds in person at a payout location. They will typically need a valid photo ID plus the transfer's tracking (reference) number, the expected amount, and the sender's name and origin country. Confirm agent locations and opening hours with your recipient, since pickup availability depends on local agent hours.

Step-by-step: sending the transfer

Open Coinepay and start a transfer. Sign in to the app or the 24/7 self-service dashboard and begin a new Global Remittance.
Choose the destination and currency. Select Honduras as the destination and choose the payout currency (usually the lempira) and the payout method — bank deposit, mobile wallet or cash pickup.
Enter the recipient's details. Add the recipient's full legal name and the payout details for the method you chose: bank name, account number and bank code or IBAN and SWIFT/BIC for a bank transfer; the registered wallet phone number for a wallet; or the recipient's identity details for cash pickup.
Review the exchange rate and fees. Coinepay shows the exchange rate and any fees clearly before you confirm. Check the amount your recipient will receive and the destination details one more time.
Confirm and pay. Approve the transfer. You may be asked to confirm the purpose or source of funds as part of compliance checks.
Track the status. Every transfer has status tracking in the app. Keep the reference number handy and share it with your recipient if they are collecting cash.

Recipient-side considerations

Funds are generally delivered in lempiras, so your recipient receives the local currency regardless of what you send. Receiving institutions in Honduras must record the names and identification details of both sender and beneficiary, so your recipient should be ready to show valid ID that matches the name on the transfer. Honduran financial-intelligence rules set internal reporting thresholds for institutions (for example, references to US$2,000 or equivalent for remittances and L200,000 or equivalent for other transfers) — these are reporting points for the institution, not caps on what a person may receive, and larger or repeated transfers may simply prompt the receiving institution to ask for more information. Encourage your recipient to use their real identity and matching details.

Troubleshooting

Wrong recipient details

An incorrect account number, bank code, IBAN, SWIFT/BIC or a name that does not match the account or ID is the most common cause of a failed or delayed payout. Double-check every field before confirming. If you spot a mistake after sending, contact Coinepay support right away with your reference number.

Compliance review

A transfer may be held for identity checks, sanctions screening or a regulatory review by the sending or receiving institution. Respond promptly if Coinepay requests documents such as the purpose or source of funds. Coinepay screens all customers and counterparties against sanctions lists and cannot send to sanctioned persons or to jurisdictions under comprehensive sanctions.

Delays

Beyond identity and regulatory checks, delivery can be affected by currency availability, local identification requirements, agent opening hours and time-zone differences, or temporary unavailability of a bank or pickup provider. Use the in-app status tracker to see where the transfer is.

Returned transfers

If a transfer omits the sender's and beneficiary's names and the originating institution does not supply them when asked, Honduran rules require the receiving institution to return it. Missing or mismatched details can therefore cause a return. If a transfer comes back, check the recipient details, correct any errors and resend, or contact Coinepay support for help.

Get help

For questions about a specific transfer, supported options for your account or documents you have been asked to provide, reach out through the Coinepay support channel or our Telegram. You can learn more about Coinepay's services on our home page.

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FAQ

What details do I need to send money to a bank account in Honduras?

Collect the recipient's name as shown on their account and ID, the bank name, the account number and bank code. Honduras uses a 28-character IBAN starting with HN, and international wires also need the bank's SWIFT/BIC code. Ask the receiving bank which format it requires and whether an intermediary bank is needed.

Can my recipient receive the money in a mobile wallet?

Honduras's main mobile-money service is Tigo Money, and eligible remittances can be credited to it through specified partners, so it is not available on every transfer. The recipient must be a Honduran adult with a valid national ID and an active, unblocked wallet, and the wallet name must match the beneficiary name on the transfer.

What will the recipient need for cash pickup?

For cash pickup, the recipient typically needs a valid photo ID plus the transfer's tracking number, the expected amount, and the sender's name and origin country. Share the reference number with them and confirm agent locations and opening hours in advance.

How much does it cost and what exchange rate will I get?

Coinepay shows the exchange rate and any fees clearly in the app before you confirm the transfer, so you can review the exact amount your recipient will receive. Costs and rates are not fixed in this guide—check the figures displayed at the time you send.

Why might my transfer to Honduras be delayed or returned?

Delays can come from incorrect recipient details, identity or compliance checks, currency availability, agent hours or time-zone differences. Honduran rules require a transfer to be returned if the sender's and beneficiary's names are missing and cannot be supplied, so enter all names and details accurately.

How to Send Money to Honduras from the United States: Step-by-Step Guide