ATM Fees in Honduras
Honduran Lempira (HNL) • Updated April 2026
Honduras has reasonable card acceptance in cities and tourist areas like Roatán. Cash is essential for rural areas and local markets. ATMs available in main towns but scarce in remote areas.
Tips for Honduras
- • Cards accepted in tourist areas and cities
- • Cash essential for rural areas
- • BAC and Banco Atlántida have best ATM networks
- • USD accepted in tourist areas like Roatán
- • Withdraw in main towns before heading to remote areas
Airport tips
- • San Pedro Sula and Tegucigalpa airports have ATMs
- • Roatán airport has limited services
- • Get cash before heading to smaller islands
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Honduras, per person.
Backpacker
Hostels, street food, public transport
HNL/day
≈ $23.53-48.95 USD
Mid-range
Hotels, restaurants, mix of transport
HNL/day
≈ $71.54-143 USD
Luxury
Premium hotels, fine dining, private transport
HNL/day
≈ $203-403 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Honduras.
Credit card acceptance
ModerateCards work in cities and tourist areas. Cash needed for local businesses and rural areas.
You'll need cash for
- • Rural areas
- • Local markets
- • Small restaurants
- • Public transport
- • Small shops
Cards usually accepted
- • Hotels
- • Tourist restaurants
- • Dive shops in Roatán
- • Supermarkets
- • Shopping malls
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BAC Honduras | 40-60 HNL | 0% | Visa/MC rate | ~2.00 USD | 100 | Best network |
| Banco Atlántida | 50-75 HNL | 0% | Visa/MC rate | ~2.00 USD | 90 | Good coverage |
| Ficohsa | 50-75 HNL | 0% | Visa/MC rate | ~2.00 USD | 70 | Growing network |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| BAC Honduras | 40-60 HNL | 0% | Visa/MC rate | ~2.00 USD | 100 | Best coverage |
| Banco Atlántida | 50-75 HNL | 0% | Visa/MC rate | ~2.00 USD | 90 | Major cities |
| Ficohsa | 50-75 HNL | 0% | Visa/MC rate | ~2.00 USD | 70 | Urban areas |