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🇭🇳 Sending to Honduras

HN · HND · +504 · Central America

HNL

SWIFT BIC required

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Required information

  • SWIFT BIC

    Beneficiary bank BIC (8 or 11 characters).

  • Purpose-of-payment code (ISO 20022 list)

    See purpose-of-payment section for the required scheme.

  • Beneficiary full name

    Spelled out exactly as registered at the bank. No initials or abbreviations.

  • Regulator-mandated fields

    Account type, such as checking or savings + others

For your end users

Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.

Last reviewed by GIB compliance on 2026-05-19. Reference material only.

  • Currency

    HNL

  • Typical settlement

    1-2 business days typical; longer for cross-border with FX or compliance review.

  • SWIFT BIC

    Required

  • Local clearing

    UYU (BCH)

Routing identifiers

Which routing codes the wire-creation API call must include for Honduras.

Field Value
SWIFT BIC Required
None Optional
Local clearing UYU (BCH)

Counterparty fields

Party details the destination expects on the beneficiary. Mandatory fields are required by the destination; recommended fields reduce the chance of a delay or return.

Mandatory:

  • Account type, such as checking or savings (CdtrAcct/Tp/Cd)
  • Whether the beneficiary is a company or a person (Cdtr/Id/OrgId or Cdtr/Id/PrvtId)
  • Beneficiary identifier, such as a tax or registration number (Cdtr/Id/OrgId/Othr/Id or Cdtr/Id/PrvtId/Othr/Id, with SchmeNm) — 13-digit Tarjeta de Identidad (individual) or 14-digit Registro Tributario Nacional (corporate/NGO/org) Scope: FX only

Purpose of payment

Put a code from the ISO 20022 list in <Purp><Cd> (purpose_code). Requirement: ISO 20022 code required GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.

Not yet confirmed

We have not yet confirmed this country's purpose-of-payment requirement against a central-bank or correspondent-bank source. Including a purpose is recommended. We update these guides as we confirm each country.

Standard list applies

Honduras doesn't publish a country-specific PoP scheme. Use the ISO 20022 standard purpose codes.

Remittance info

Extra content the regulator requires inside the free-text remittance field, beyond the purpose-of-payment code.

For payments from corporations/organizations to individuals, include a detailed purpose of payment (especially for salaries).

Operational notes

Field Value
Currencies accepted HNL, USD
Typical settlement 1-2 business days typical; longer for cross-border with FX or compliance review.
Banking holidays ↗ Calendar

Common rejection reasons

Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.

Missing account_type, legal_type, or legal_id on counterparty record (required by regulator for FX wires).
For corporate-to-individual payments, missing detailed purpose of payment (especially for salaries).
Beneficiary name mismatch.
Sanctions or compliance hold.

Validate before you send

Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.

BIC lookup

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References

First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.

Disclaimer

These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.

Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.

For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.

Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.

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