Credit cards are widely accepted. ATMs are available in the major towns. It is safer to change money in hotels or at banks. Check ATMs for evidence of tampering, although affected machines may not be easy to spot.
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The most widely accepted credit cards in Honduras are the major international brands such as Visa, Mastercard and American Express. However, it's important to keep in mind that some establishments may charge an additional fee for the use of credit cards or impose a purchase limit.
Most branches of BAC Honduras and Banco Atlántida have ATMs that work with Visa (Plus-affiliated) or MasterCard (Cirrus-affiliated) cards. A few machines—very few—will also give cash using an American Express or Diner's Club card. ATMs are fewer and farther between once you get out-country.
Can I use my credit or debit card in Honduras? Credit and debit cards are widely accepted in larger establishments, such as hotels, restaurants, and shopping malls. It's always a good idea to inform your bank about your travel plans beforehand to avoid any issues with card usage.
You can use your U.S. Visa card abroad to make purchases or withdraw cash. To withdraw cash from an ATM, you'll need to know your four digit PIN number.
Honduras - Level 3: Reconsider Travel. Reissued with obsolete COVID-19 page links removed. Reconsider travel to Honduras due to crime and kidnapping. Some areas have increased risk.
You can exchange dollars and euros, to a lesser extent, in some stores (banks and hotels receive both currencies). You can use your Visa, Master Card and American Express credit cards in many places, and there are ATM networks with ample national coverage.
While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.
If you are heading abroad for your trip, you will want to avoid foreign transaction fees. Although both credit and debit cards are subject to this 2-4% upcharge, getting a credit card without a foreign transaction fee is a bit easier than finding a debit card with no foreign fees.
Exchange cash before leaving the United StatesYou can avoid all transaction fees by paying for your purchases in cash while you're abroad. Banks and currency exchange stores will exchange U.S. dollars for most major currencies, and you can do this before you leave.