What BANPAIS does

BANPAÍS (Banco del País S.A.) is a privately held Honduran commercial bank founded in 1992 and headquartered in San Pedro Sula, operating under the supervision of the CNBS (Comisión Nacional de Bancos y Seguros) with ISO, PCI, and Fitch certifications and SWIFT membership (PISAHNTE). The bank provides a full-stack retail, SME, corporate, private banking, and international banking platform, offering deposit products (Cuenta Digital, Cuenta Maxima, Cuenta de Ahorro, Cuenta de Cheques, Cuenta Doble Ayuda, Cuenta Catracha, fixed-term deposits), lending products (Préstamos Personales, Préstamo Personal Digital, Préstamo de Vivienda via BP Vivienda en Línea, automotive loans), credit and debit cards, merchant acquiring (POS Banpais), remittances, insurance (Banca Seguros), payroll services (Servicio Planilla), and loyalty (Club Banpais).

The bank's distribution combines a nationwide physical network of branches, ventanillas, auto-banks, ATMs, and affiliated agents with digital channels including the App Banpais mobile application (iOS, Android, Huawei AppGallery), BP en Línea online banking, a WhatsApp virtual assistant, and product-specific microsites (e.g., experienciapyme.banpais.hn, BP Vivienda en Línea). Technology emphasis is on digital onboarding and self-serve workflows (100% digital account opening with no minimum balance, fully digital personal loan origination, online mortgage calculators and simulators) rather than disclosed AI/ML systems.

Revenue is generated across multiple streams: net interest income from loans and deposits (the primary driver for a commercial bank), transaction fees from cards and merchant acquiring, remittance fees, insurance commissions, and payroll/financial services fees. The bank is led by President María del Rosario Selman-Housein and in 2021 secured a landmark $100 million USD credit facility from the U.S. International Development Finance Corporation (DFC) and Citibank — the largest DFC facility granted to a Honduran bank — earmarked for SME lending with a focus on women-led businesses.

Name

BANPAIS

Legal name

Banco del País S.A.

Website

https://banpais.hn

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

501–1,000 employees

Short description

BANPAÍS is a Honduran commercial bank founded in 1992, headquartered in San Pedro Sula, offering retail, SME, corporate, and private banking services through a nationwide branch and agent network combined with mobile, online, and WhatsApp digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Commercial banking
• Digital banking
• Consumer lending
• Corporate banking

Headquarters

HQ city

San Pedro Sula

HQ country

Honduras

HQ region

Latin America

Offices3 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 from Loans: Interest income from personal loans, mortgage loans, business loans, and credit facilities to individuals and enterprises
2. Deposit Accounts: Interest-bearing deposits including savings accounts, checking accounts, and term deposits with interest calculation on daily balances
3. Credit Card Operations: Credit and debit card issuance and transaction processing fees
4. Remittance Services: International remittance services for money transfers to and from Honduras
5. Insurance (Banca Seguros): Bancassurance products including life, property, and other insurance products
6. Payroll Services: Employer payroll management and processing services
7. Merchant Services (POS): Point of sale terminal services and merchant acquiring for business customers
8. International Banking: Foreign exchange, international trade finance, and cross-border banking services

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels5 records

Core offering

BANPAÍS is a Honduran commercial bank offering deposit accounts (Cuenta Digital, Cuenta Maxima, Cuenta de Ahorro, Cuenta de Cheques, Cuenta Doble Ayuda, Cuenta Catracha, Depósito a Plazos), lending products (Préstamos Personales, Préstamo de Vivienda, BP Vivienda en Línea, SME financing, corporate loans), credit/debit cards (Visa), international remittances, POS merchant acquiring, payroll processing (Servicio Planilla), bancassurance (Banca Seguros), private banking, and international trade finance. Distribution spans a nationwide branch and ATM network, an authorized agent network, the App Banpais mobile app, BP en Línea web banking, and a WhatsApp virtual assistant, with 100% digital account opening and personal loan origination.

Product overview

BANPAIS (Banco del País) is a Honduran financial institution offering a comprehensive banking platform with multiple products across consumer and corporate segments. The core offering includes deposit products (Cuenta Digital, Cuenta Maxima, Cuenta de Cheques, Cuenta de Ahorro), lending solutions (Préstamos Personales, Préstamo Personal Digital, Préstamo de Vivienda through BP Vivienda en Línea), and payment services (Tarjetas de Crédito y Débito, POS Banpais). Digital channels are anchored by Banca en Línea Banpais (web) and App Banpais (mobile available on iOS, Android, Huawei), supplemented by an extensive ATM network (Cajeros Banpais). For businesses, BANPAIS provides PYME solutions, corporate banking (Corporaciones Banpais), commercial cards, international banking, and payroll services. The bank differentiates through loyalty programs (Club Banpais), financial education content, insurance services (Banca Seguros), remittances, and an agent banking network expanding rural access.

Differentiator

Problem solved

Functional benefit

Brands

• BP Vivienda: Housing loans and mortgage financing services
• BP en Línea
• Club Banpaís
• App Banpaís

Products and services

• Cuenta Digital Digital bank account that can be opened 100% online with no minimum opening balance, offering operations exclusively through electronic channels and free cash withdrawals at the Banpais ATM network. Targeted at individuals seeking accessible digital banking.
• Cuenta Maxima Personal savings account offering competitive interest rates calculated on daily balances and capitalized monthly, with flexible access to funds.
• Cuenta de Cheques Personal checking account for day-to-day banking transactions with check-writing capabilities.
• Cuenta de Cheques Plus Personal Enhanced personal checking account with additional features and benefits beyond the standard Cuenta de Cheques.
• Cuenta de Ahorro Personal savings account designed to help customers accumulate funds with interest earnings on balances and complimentary Banca en Línea and notifications services.
• Cuenta Doble Ayuda Savings account combining fund accumulation with an assistance-coverage dual benefit for personal banking customers.
• Cuenta Catracha Local-currency savings account tailored for Honduran personal banking customers.
• Depósito a Plazos Fixed-term deposit product offering guaranteed returns with predetermined maturity dates for customers seeking stable, low-risk investment options.
• Préstamos Personales Personal loan product for various financial needs including travel, education, and general expenses with competitive interest rates and flexible terms; can be requested through a fully digital origination process.
• Préstamo de Vivienda (BP Vivienda en Línea) Mortgage and home loan product for purchasing, constructing, or remodeling homes with preferential rates and financing through RAP, BANHPROVI, and proprietary funds; supported by a digital portal (BP Vivienda en Línea) for installment calculation, payment simulation, and online request.
• Tarjetas de Crédito y Débito Personal credit and debit cards (Visa) with various benefits, rewards programs, and cashback options accessible through the Club Banpais loyalty program.
• Banca en Línea Banpais (BP en Línea) Web-based online banking platform enabling personal and business customers to access accounts, conduct transactions, manage payments, and perform financial operations via browser.
• App Banpais Mobile banking application available on iOS, Android, and Huawei AppGallery enabling customers to manage accounts, make transfers, pay bills, and access banking services from mobile devices.
• Cajeros Banpais (ATM Network) Self-service ATM network across Honduras providing cash withdrawals, balance inquiries, and basic banking operations; debit cardholders receive free withdrawals within the network.
• Remesas Banpais International money transfer service enabling customers to send and receive remittances reliably throughout Honduras and abroad.
• Banca Privada Private banking services offering personalized financial solutions and wealth management for high-net-worth individuals in Honduras.
• Banca Seguros Bancassurance offering life, property, and other insurance products distributed through partnered insurance providers to protect customer assets, health, and financial security.
• Servicio Planilla (Payroll Service) Payroll management service for businesses handling employee salary payments, deductions, and payroll processing.
• Cuentas Empresariales Business banking accounts and services tailored for corporate clients including cash management, collections, and payment solutions.
• Tarjetas Comerciales Commercial credit and debit card products designed for business expenses, corporate spending, and enterprise expense management.
• Banca Internacional International banking services including foreign exchange, trade finance, and cross-border transaction capabilities for businesses engaged in global commerce (SWIFT PISAHNTE).
• PYME Banpais Comprehensive banking solutions and credit products specifically designed for small and medium enterprises (SMEs) in Honduras, supported by the $100M DFC/Citibank financing facility focused on women-led businesses.
• POS Banpais Point-of-sale terminals for merchants and businesses to accept electronic card payments, enabling PYME clients to process card transactions.
• Corporaciones Banpais Corporate banking services providing specialized financial solutions, large-scale financing, and treasury management for major corporate clients.
• Agentes Banpais Agent banking network extending financial services to underserved areas through authorized agents who process basic banking transactions.

Quantifiable outcome

• $100 million financing facility secured from DFC and Citibank for Pymes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators3 records

Recent moves3 records

Expansion highlights6 records

Direct peers

• Banrural Honduras: Banrural Honduras is a commercial bank focused on retail, agricultural and SME finance with a large agent and branch network, overlapping directly with Banpaís's PYME and agent banking distribution approach.
• Banco Ficohsa: Ficohsa is a top-three Honduran banking group providing consumer and corporate banking, credit cards, remittances and digital services; it competes head-to-head with Banpaís for retail and PYME customers across Honduras.
• Banco de Occidente (Honduras): Banco de Occidente is a Honduran commercial bank offering deposit, lending, credit card and digital products to individuals and businesses, positioning it as a direct peer to Banpaís within the same domestic market.
• Banco Atlántida: Banco Atlántida is a major Honduran commercial bank with nationwide branches, ATMs, SME lending, corporate banking and digital channels, making it a direct horizontal competitor to Banpaís for deposits and credit in Honduras.
• Banco Promerica Honduras: Promerica Honduras is part of the regional Promerica network and offers personal, SME and corporate banking plus credit cards in Honduras, making it a directly comparable competitor to Banpaís's full-spectrum offering.
• BAC Honduras (BAC Credomatic): BAC Honduras is one of the largest full-service commercial banks in Honduras, offering consumer deposits, SME, corporate, credit cards and digital channels that directly overlap with Banpaís's product set across the same customer segments.

Regional players

• Banco Industrial (Guatemala): Banco Industrial is the largest private bank in Guatemala with a regional footprint covering retail deposits, SME, corporate and digital banking; it is comparable to Banpaís as a full-service Central American commercial bank scaling its digital offering.
• Grupo LAFISE / Bancentro: LAFISE / Bancentro is a Central American banking group with full retail, SME and corporate banking; it operates primarily outside Honduras but competes in cross-border trade, remittances and correspondent banking that overlap with Banpaís's international and PYME activities.

Broad incumbents

• Davivienda (Central America): Davivienda is a regional Latin American banking group with Central American consumer and corporate operations; it is comparable to Banpaís in product breadth and in competing for cross-border trade finance and remittance business in Honduras.
• BAC Credomatic (CORFICOR): BAC Credomatic is the Central American banking group that owns BAC Honduras, providing a broader multi-country platform of consumer and corporate banking; it represents a scaled incumbent against which Banpaís competes for large corporate and correspondent relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/banpaishnd
• YouTubeyoutube.com/channel/UCb13p-6nhzF_PLkvRJVI0_A
• Facebookfacebook.com/banpais
• Instagraminstagram.com/bancodelpais

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

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 BANPAIS