Send Money from the USA 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 3 providers we hold checked figures for. Sendwave advertises no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. 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 3 providers priced at that amount on this corridor: about $4.39 all in, or 0.44% of the amount sent. Xoom is next at about $5.69. 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.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Xoom, Western Union, Félix and Boss Money can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit, card payout, cash pickup and mobile wallet. 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, Western Union, Xe Money Transfer, Félix and Boss Money 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 USD 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 the USA under FinCEN and state money-transmitter licences, 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.

Treat the Wise row on this page with care. Wise's support centre does not list this destination among the countries it can send to, and answers that gap directly: a recipient in a country off the list can be reached "if their account is denominated in USD, EUR or GBP". Wise's marketing page for this same corridor says the opposite — that the recipient is paid in local currency from a Wise local bank account — but that sentence is templated and appears word for word on destinations that are on the list and destinations that are not. The pricing points the same way as the support centre: across the corridors on this site the median Wise fee is about 1 percent of the amount sent where the currency is on its supported list, against about 4.5 percent where it is missing. The figure shown here is real; what is not settled is whether the money can arrive as local currency. Confirm that with Wise before relying on it. Honduras uses its own currency, the lempira (HNL), so providers here carry a genuine exchange-rate margin on top of any published fee - unlike dollarized El Salvador next door. Western Union states plainly that it does not support mobile wallet payouts in Honduras, so cash, bank and Visa card are the options there. The US federal 1% excise tax on remittance transfers (effective January 2026) applies only to transfers funded by cash, money orders or cashier's checks. Xoom states its transfers are not subject to it. Bank-deposit speed splits the field sharply: Xoom quotes within the hour, Taptap Send a few minutes but up to 2 working days to post, Revolut 3 to 5 business days, and Wise's own quote lands about six days out. Taptap Send publishes a per-transfer cap of 267,992 HNL on Pay To Card; other methods follow account-level verification limits rather than a corridor cap. Sendwave lists Honduras among its destinations but publishes no fees, payout methods or delivery times outside the app, so its row cannot be compared on the same basis as the others. The lempira broke through 27 per dollar for the first time in Honduran history on 28 August 2026 (selling rate L27.0010, reference L26.8667), a 1.87% slide since the start of the year driven by a widening import deficit (merchandise imports of $8.78 billion against $5.80 billion in exports by May) and falling coffee and palm oil export earnings. Remittances are the main thing offsetting that pressure: Honduras took in $7.69 billion in remittances between January and July 2026, up 11.2% year over year, and that inflow has kept international reserves at a record $11.59 billion despite the currency's slide. A depreciating lempira means more local currency for the same dollar transfer, but check the day's rate rather than assuming it holds — the move has been gradual, not a one-time devaluation. Revolut's US list of supported currencies for outgoing transfers does not include HNL, and Revolut publishes no US page for Honduras. A transfer from a US Revolut account goes by SWIFT, where intermediary banks may deduct charges, and Revolut's US pages do not confirm this route specifically, so check it in the app before relying on it (October 2026).