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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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.
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.
Bills come in denominations of 1, 2, 5, 10, 20, 50, 100, 200, and 500. There are no lempira coins. American dollars are commonly accepted in the Bay Islands and in major tourist destinations, particularly at hotels -- as a result, some hotel reviews in the Bay Islands also list rates using U.S. dollars.
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.
A good tip is apprx 10 - 15% of you hotel bill or restaurant bill. Honduras is one of the poorest countries in Latin America and tipping is one way to spread the wealth a bit more evenly and make your tourist dollars count in a more direct way.
The Honduran Lempira is the official currency, and it's valuable to know its current exchange rate before your trip. Exchange currency at banks, authorized exchange offices, or airports to get the best rates. While US dollars may be accepted in some places, it's recommended to use the local currency to avoid confusion.
While most places in the U.S. do take Amex, it's worth keeping in mind that some major retailers, like Costco, don't accept it. At Costco, your best bet is the $0 annual-fee Costco Anywhere Visa? Card by Citi*, which doubles as a membership card with cash-back benefits.
Tipping is expected in Roatan's restaurants. However, inspect your bill to see if you've already been charged for “Servicio.” If so, no extra tip is necessary. Although if you feel the service was excellent, then feel free to add more. If “Servicio” is not included in the bill, tip 10% or more.
Can I use credit cards on Roatan? Credit cards may have taken over the world, but Roatan is still a cash-friendly island. A lot of places will not accept credit card or can attach up to a 22% fee.