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Banking in Honduras

Best banks in Honduras for expats & digital nomads

Opening a bank account is one of the first things you do after moving to Honduras. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.

How to open a bank account in Honduras

Accounts are almost always opened in person, and a newcomer typically needs a valid passport, an RTN (local tax ID), proof of address, residency card or visa status, an initial deposit (roughly $100-500), and often a reference letter from a home-country bank; both lempira (HNL) and USD accounts are widely available. Banco Azteca is an exception that will open a basic account for a foreigner with just a valid stamped passport, while AML checks at most banks mean processing can take 1-4 weeks.

Top banks in Honduras

Banco Atlántida

traditional
Largest branch and ATM network nationwide

Founded 1913, Honduras' oldest bank; offers savings accounts in both lempiras and US dollars and digital account opening via App Atlántida.

BAC Credomatic Honduras

traditional
Regional footprint and strong cards/digital banking

Part of the pan-Central American BAC group; digital account opening and well-developed online and mobile banking.

Banco Ficohsa

traditional
Digital-friendly onboarding and diaspora services

Instant digital savings account with no opening amount and an international debit card; has a dedicated Hondurans-abroad section.

Banco Davivienda Honduras

traditional
International banking backed by a regional group

Colombian-owned; acquired HSBC's Honduras operations in 2012 and offers personal, private and international trade banking.

Banpaís (Banco del País)

traditional
Financially strong domestic bank

Founded 1992, part of Grupo Financiero del País; holds a national AAA(hnd) Fitch rating and full retail banking services.

Banco de Occidente

traditional
Everyday retail and SME banking

Established Honduran retail bank with online banking (Occidente en Línea); commonly listed among the main banks for account opening.

Banco Azteca Honduras

traditional
Newcomers without residency yet

Explicitly opens accounts for foreigners with a valid stamped passport and a small initial deposit; 100+ branches and remittance reception.

International accounts & neobanks

Wise

Residents of Honduras cannot open or hold a Wise multi-currency balance (Honduras is not on Wise's hold-money list; confirmed by Wise support in 2025). You can still send money to Honduras and receive via SWIFT.

Payoneer

Operates in 190+ countries and is widely used by freelancers in Honduras to receive marketplace/client payments and withdraw to a local bank; individual eligibility applies.

Availability changes; confirm on each provider's site.

Next steps in Honduras

See the full Honduras tax, cost and visa profile, or compare Honduras with other destinations. Not sure where to go yet? Take the finder quiz.