What Banco Atlantida does

Banco Atlántida is a Honduran commercial bank founded in 1913 and headquartered in Tegucigalpa, operating as part of Grupo Financiero Atlántida. It is the largest bank in Honduras by deposits, with the country's widest distribution network including branches (Agencias), Autobancos, ATMs, Multi ATMs, agents, and superagents. The bank serves four primary segments: individual retail banking (Banca de Personas), SME banking (Banca Comercial Pyme), corporate banking (Banca Corporativa), and high-net-worth private banking (Banca Privada), with 5,001-10,000 employees.

The technology stack comprises digital banking platforms (App Atlántida, Atlántida Web, Atlántida Online Empresarial, Atlántida Móvil Empresarial) with multi-factor authentication via physical, smart, and digital tokens; SWIFT connectivity (code ATTDHNTE) for international transfers in 190+ countries; FileAct and MT-940 statement services; and SIPA regional payment system participation across Central America and the Dominican Republic. Product breadth spans savings/checking accounts, certificates of deposit, personal/mortgage/vehicle loans, commercial loans and credit lines, agricultural and renewable energy financing, syndicated loans, trade finance (letters of credit, factoring, guarantees, collections), merchant acquiring (POS, VPOS, Pago Link, Atlántida Tap), Visa and Mastercard credit/debit cards, foreign exchange and remittances, bancassurance, trust services, and pension fund management via subsidiary AFP Atlántida.

The bank earns revenue through net interest income on lending products, transaction and service fees, credit card interchange and revolving balances, international wire transfer commissions, foreign exchange spreads, remittance fees, and bancassurance commissions. It operates a multi-channel go-to-market combining physical branches, digital self-serve platforms, third-party agents, and a 24/7 call center (2280-1010), targeting mass-market retail, SME, corporate, and private banking customers across Honduras with regional payment and international trade finance capabilities.

Name

Banco Atlantida

Legal name

Banco Atlántida S.A.

Website

https://bancatlan.hn

Company type

Private

Founded year

1913

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Banco Atlántida is Honduras' largest bank by deposits (founded 1913), offering retail, SME, corporate, and private banking through the country's widest physical network and digital platforms (App Atlántida, Atlántida Web, SIPA, SWIFT).

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Commercial banking
• International wire transfers
• Merchant payment solutions
• Trade finance services

Headquarters

HQ city

Tegucigalpa

HQ country

Honduras

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest earned on lending products including personal loans, mortgage loans, vehicle loans, commercial loans, credit lines, and agricultural loans. Interest credited monthly on savings accounts and certificates of deposit.
2. Transaction and Service Fees: Fees for account maintenance, wire transfers, ATM withdrawals, payment processing (POS/VPOS), and cash management services for corporate clients.
3. Credit Card Operations: Revenue from credit card transactions including interchange fees, annual fees, and interest charges on revolving balances across personal, business, and corporate card products.
4. International Services: Commissions on international wire transfers, foreign exchange transactions, letters of credit, collections, and guarantees for import/export operations.
5. Remittance Services: Fees for family remittance services including sending and receiving international transfers, with correspondent banking network across Americas, Europe, and Asia.
6. Insurance Products (Bancaseguros): Bancassurance products including Vida Atlántida Plus life insurance, critical illness insurance, and remittance protection insurance sold through bank channels.

Go-to-market motion2 records

Distribution channels8 records

Marketing channels5 records

Core offering

Banco Atlántida is a Honduran commercial bank offering comprehensive personal, SME, corporate, and private banking services. Its core offering spans deposit accounts, consumer and commercial lending, credit cards, international wire transfers (SWIFT), trade finance (letters of credit, factoring, guarantees), merchant payment solutions (POS, VPOS, Pago Link, Atlántida Tap), cash management, remittances, bancassurance, fiduciary/trust services, and pension fund administration through its AFP Atlántida subsidiary. Distribution combines the widest physical branch, autobank, agent, and ATM network in Honduras with digital channels including App Atlántida, Atlántida Web, and Atlántida Online Empresarial.

Product overview

Banco Atlántida is a Honduras-based financial institution offering a comprehensive multi-channel banking platform with specialized products and services across retail, SME, corporate, and private banking segments. The core digital banking infrastructure consists of Atlántida Web (personal web banking), App Atlántida (mobile banking with digital token), Atlántida Online Empresarial (corporate banking platform), and Atlántida Móvil Empresarial (business mobile banking). Supporting infrastructure includes extensive ATM and agent networks, call center, and ABI interactive advisor. The product portfolio encompasses traditional banking products (savings, checking, certificates of deposit, personal and mortgage loans), business banking solutions (commercial loans, credit lines, cash management including Pago Empresarial, Caja Empresarial, Pago de Impuestos, Unipago), international trade services (SWIFT transfers, Letters of Credit, Factoring, Guarantees, SIPA regional payments), merchant payment solutions (POS, VPOS, Pago Link, Atlántida Tap), credit cards (personal and business variants including Aliadas, Impulso Empresarial, Puma Flota), insurance and assistance services, trust services, and entrepreneur support programs (Impulso Empresarial, Aliadas). The bank also offers remittance services, foreign exchange, and private banking with VIP amenities.

Differentiator

Problem solved

Functional benefit

Products and services

• App Atlántida Mobile Banking

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• SWIFT (Society for Worldwide Interbank Financial Telecommunication)coreTechnology or IntegrationSWIFT membership enables Banco Atlántida to send encrypted financial messages and process international transfers to over 190 countries. The bank utilizes SWIFT for corporate payments, FileAct file transfers, and MT940 statement delivery. SWIFT code: ATTDHNTE.
• SIPA (Sistema de Interconexión de Pagos)coreTechnology or IntegrationRegional payment system interconnection enabling secure electronic fund transfers between individuals, businesses, and financial institutions across Central America including El Salvador, Guatemala, Nicaragua, Costa Rica, and Dominican Republic.
• Correspondent Banking Network (Americas, Europe, Asia)coreTechnology or IntegrationExtensive network of correspondent banks across Americas, Europe, and Asia supporting international wire transfers, foreign exchange transactions, and trade finance operations for corporate and retail customers.
• VisacoreTechnology or IntegrationVisa card issuing partnership for credit and debit cards including Visa Empresarial corporate cards, Visa Central Travel Account, and Visa Infinite debit cards with premium benefits.
• MastercardcoreTechnology or IntegrationMastercard issuing partnership for corporate credit cards including Mastercard Corporativa with global acceptance and corporate spending management features.
• Fulbright ProgramminorOthersEducational exchange partnership with the U.S. Embassy for Fulbright scholarships, supporting international academic exchange opportunities for Honduran students and professionals.
• AFP AtlántidacoreOthersAffiliate pension fund administrator under the same financial group (Grupo Financiero Atlántida), offering retirement savings products and complementary financial services to bank customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Banistmo: Panama-based commercial bank within Grupo Bancolombia, providing corporate, trade, and personal banking across the region — comparable to Banco Atlántida in trade finance and correspondent banking services, but focused on Panama.
• Banco Industrial: Guatemala's largest bank and a major Central American franchise offering full-service retail, corporate, and trade banking — comparable to Banco Atlántida in scale and product suite, though primarily serving Guatemala.
• Banco Promerica: Costa Rica-headquartered regional banking group with operations across Central America including Honduras, offering retail, SME, and corporate banking — comparable in product breadth to Banco Atlántida but primarily competing in different geographies.
• Banco LAFISE: Nicaragua-headquartered regional financial group with Central American banking operations including Honduras — offers retail, SME, and corporate banking comparable to Banco Atlántida's footprint and product set.

Direct peers

• BAC Honduras: Honduran arm of the regional BAC Credomatic network, providing retail and corporate banking, credit cards, and trade finance — directly competing with Banco Atlántida across all major customer segments in Honduras.
• Banco Ficohsa: One of the largest banking groups in Central America with a major Honduras franchise offering retail, SME, corporate, and remittance services — Banco Atlántida's principal domestic competitor across deposits, lending, and cards.
• Banpais: Honduran commercial bank part of a regional financial group, providing personal and business banking products — directly comparable in scale and product mix to Banco Atlántida within the Honduran market.
• Banco de Occidente (Honduras): Long-established Honduran commercial bank offering personal, SME, and corporate banking — competes head-to-head with Banco Atlántida for domestic deposits, loans, and trade finance customers.

Broad incumbents

• Davivienda: Large Colombian banking group with Central American operations (including Honduras, Costa Rica, El Salvador, Panama), offering retail, mortgage, SME, and corporate banking — overlaps with Banco Atlántida on retail deposits, mortgages, and cards in Honduras.
• Banco Azteca: Mexico-based banking group (part of Grupo Elektra) operating in Honduras with a large retail branch and agent network focused on mass-market deposits, consumer credit, and remittances — competing with Banco Atlántida for low- and middle-income retail customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bancatlan
• YouTubeyoutube.com/user/bancatlan
• Facebookfacebook.com/bancatlan
• LinkedInlinkedin.com/company/bancatlan
• Instagraminstagram.com/bancatlan
• TikToktiktok.com/@bancatlan

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banco Atlantida