Send Money from Spain to Honduras

Measured on the full cost — the transfer fee plus the exchange-rate margin — Western Union is cheapest on this corridor at €1,000, across the 2 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Honduran lempiras rather than the headline fee.

At €1,000, Western Union is the cheapest of the 2 providers priced at that amount on this corridor: about €21.19 all in, or 2.12% of the amount sent. Xoom is next at about €27.59. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to €100, Western Union costs least on this corridor; from €250 upwards, Xoom does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. It changes once more between €250 and €500, in favour of Western Union. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are cash pickup. The most widely used options in Honduras are cash pickup and bank deposit. Cash pickup is the most common delivery method in Honduras, with payout points in most towns. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Xoom, Ria Money Transfer and Western Union offer cash pickup in Honduras, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, cash pickup and bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to HNL, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Spain under the Bank of Spain (Banco de España), which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

The lempira is not among the 49 currencies on Wise's own published list, and its support centre does not list Honduras among the countries it can send to. No Wise row is published here for that reason. Wise does publish marketing pages stating local payout for destinations off that list, and this site does not treat that contradiction as settled — where a Wise row does appear on such a corridor, the conflict is stated on the page. If you already use that service, you will need an alternative from the comparison table above for this corridor.

Wise does not support the lempira, so this corridor is served entirely by companies that price per quote. None of the four publishes a fee table or a rate in advance. Cash pickup carries a much larger share of this corridor than of the Spanish corridors to South America. That matters for the comparison: a service with the better bank-deposit price may be the worse choice if your recipient collects cash, and the two rails are priced separately by every service here. Honduras receives one of the highest shares of GDP in remittances in the Americas, and the corridor is dominated by the United States. Spain is a secondary origin, which usually means fewer promotions and less price competition than the same destination attracts from Miami or Houston.