Banking

Honduran banks will close at noon on Wednesday, October 7, during Morazán Week celebrations; customers are advised to complete in-person transactions in advance but can use online banking, ATMs, and ACH transfers during the holiday.

Honduras's commercial banks are capturing more private-sector deposits, particularly savings accounts from households buoyed by incoming family remittances, the Central Bank reports.

Five Honduran banks—Atlántida, BAC, Ficohsa, Banco de Occidente, and Banpaís—control 84.7% of the 5.75 million debit cards in circulation as of July 2026, with debit cards becoming the dominant payment method nationwide.

Banking regulator CNBS Commissioner Nicolás García warns that scammers prey on victims by creating artificial urgency and promising unrealistic returns, urging consumers to verify CNBS authorization and never share banking credentials.

Honduras law requires anyone who receives money by banking error to return it, with civil and penal liability—including fraud charges—for those who spend or refuse to repay the funds.

Honduras's banking system is reallocating resources toward longer-term domestic financial instruments, signaling a shift toward more structurally oriented investments.

Interest rates on new loans and deposits in Honduras are falling, especially in lempiras, as bank deposits grow and credit conditions normalize across the financial system.