BANHCAFE

What BANHCAFE does

BANHCAFE (Banco Hondureño del Café S.A.) is a privately held Honduran commercial bank founded on May 7, 1980 and operating continuously since 1981, with headquarters in Tegucigalpa. The bank operates through three primary business units — Banca de Personas (personal banking), Microfinanzas, and Banca de Empresas (corporate banking) — distributed across 30+ physical branches nationwide, complemented by an ATM network, a Tu Punto BANHCAFE correspondent agent network in retail locations, the Banca Móvil mobile application, and the BANHCAFE Online (Banca Electrónica) portal. Its product suite spans deposit products (savings and checking accounts in local and foreign currency, including the digital-only DigiAhorro and the children's Cafetronic account), lending products (personal, vehicle, housing up to 240 months, microcredit, agricultural, and seasonal financing), and card products (Clásica and Oro international credit cards, debit cards, and corporate cards with limits up to $500,000).

The bank differentiates through international payment infrastructure — being the first Honduran bank to implement SWIFT Go (2023) and integrating Mastercard Move for cross-border transfers to 40+ countries — and through deep vertical specialization in the coffee and agricultural sectors. Its wholly-owned subsidiary, Fundación BANHCAFE (established 1985), serves approximately 90% of small coffee producers across 14 of Honduras' 18 departments, providing technical assistance, training, and community development that anchors lending relationships in rural areas. The bank is regulated by the Comisión Nacional de Bancos y Seguros (CNBS) and its deposits are insured by FOSEDE.

Revenue is generated primarily through net interest income on the diversified loan book (consumer, mortgage, vehicle, agricultural, microfinance, and corporate credit), transaction and service fees on deposit and payment products, credit card interest and interchange, and fees from international transfers, foreign exchange, and trade finance. The customer base is fragmented across retail depositors, microfinance borrowers, coffee-producing agricultural clients, and SMB/corporate accounts, with strategic partnerships (SWIFT, Mastercard, Visa, IFC, BCIE, USAID, Citibank, Eastern Bank, BCP) extending both its international reach and its development-financing capacity.

Name

BANHCAFE

Legal name

Banco Hondureño del Café S.A.

Website

https://banhcafe.hn

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

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

SIC

National Commercial Banks (6021)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)

Keywords

• Commercial banking services
• Microfinance lending
• Agricultural credit
• Deposit accounts
• Cross-border payments

Headquarters

HQ city

Tegucigalpa

HQ country

Honduras

HQ region

Latin America

Offices29 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: BANHCAFE generates revenue primarily through interest income on various loan products including personal loans, mortgages, vehicle financing, microfinance loans, agricultural loans, and business credit. Interest rates vary by product type and currency.
2. Banking Service Fees: Fees charged for account maintenance, transactions, transfers, and other banking services as detailed in their published fee schedules (Tabla de Comisiones)
3. Credit Card Operations: Revenue from credit card transactions, including interest on revolving balances, annual fees, and merchant fees. The bank offers Clásica and Oro international credit cards.
4. Corporate Card Services: Fees and interest from corporate credit cards with limits from $3,000 to $500,000 for business customers
5. International Banking Services: Revenue from international transfers, foreign exchange transactions, letters of credit for imports/exports, and trade finance services
6. Digital Banking Services: Fees associated with electronic banking services including online transfers, mobile banking, and digital token authentication

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

BANHCAFE is a Honduran commercial bank that provides deposit products (savings and checking accounts in national and foreign currency), consumer and commercial credit (personal loans, mortgages, vehicle financing, microcredit, seasonal and agricultural loans), payment cards (international credit cards, debit cards, corporate cards), and digital banking channels (mobile app, online banking, token authentication). It also offers international remittances and cross-border payment services via SWIFT Go and Mastercard Move, complemented by an agent correspondent network (Tu Punto BANHCAFE) and the Fundación BANHCAFE development program supporting coffee-producing communities.

Product overview

BANHCAFE (Banco Hondureño del Café S.A.) is a Honduran private bank founded in 1980, operating as a multi-channel banking platform offering personal banking, corporate banking, and microfinance services. The product portfolio centers on deposit products (savings and checking accounts in national and foreign currency including DigiAhorro, MultiCuenta, Cafetronic for children), credit products (personal loans, vehicle financing, home loans, agricultural credit, microcredits, seasonal credits), payment cards (classic/gold international credit cards, debit cards, corporate cards with limits up to $500,000), and digital channels (Banca Móvil app, BANHCAFE Online, Token authentication). The bank differentiates through SWIFT Go for international payments, Mastercard Move for cross-border transfers, and the Multipuntos loyalty program. Additional services include correspondent agents (Tu Punto), financial education resources, and contingent asset sales.

Differentiator

Problem solved

Functional benefit

Brands

• Fundación BANHCAFE: NGO development organization created by BANHCAFE to support rural communities in coffee-producing regions with education, technical assistance, and training services
• BanhcafeOnline
• Banca Móvil BANHCAFE
• DigiAhorro BANHCAFE
• Cafetronic
• Tu Punto BANHCAFE
• Multipuntos BANHCAFE

Products and services

• Cuentas de Ahorro Moneda Nacional y Extranjera
• DigiAhorro BANHCAFE
• Cuentas de Cheques Moneda Nacional
• MultiCuenta y Multidolar
• Cafetronic
• Créditos Personales
• Crédito Vivienda
• Crédito Automático
• Crédito Vehículo
• Microcréditos
• Créditos de Temporada
• Agropecuario
• Tarjeta Clásica Internacional
• Tarjeta Oro Internacional
• Tarjeta de Débito
• Tarjeta Corporativa
• Banca Móvil BANHCAFE
• BANHCAFE Online (Banca Electrónica)
• Tu Punto BANHCAFE
• Programa Multipuntos
• Educación Financiera
• Activos Eventuales

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered strategic, core and supporting.

• USAID Agronegocios Sostenibles ProgramstrategicStrategic or Co-development Partner · 10 September 2024BANHCAFE participated in the II Encuentro entre Alianzas (Second Alliance Meeting) of the USAID Sustainable Agribusiness program, offering financial solutions to over 40 participating companies in key sectors including coffee, fruits, dairy, bioinputs, and service providers.
• SWIFTcoreTechnology or Integration · 30 June 2023SWIFT Go partnership enabling BANHCAFE to offer international cross-border payments to 40+ countries. BANHCAFE became the first bank in Honduras to implement SWIFT Go, providing fast, transparent, and secure international transfers for small businesses and consumers.
• CitibanksupportingChannel Partner/ Reseller/ DistributorCorrespondent banking relationship for international transactions and trade finance services
• Eastern BanksupportingChannel Partner/ Reseller/ DistributorCorrespondent banking relationship for international transactions and trade finance services
• Banco de Crédito del Perú (BCP)supportingChannel Partner/ Reseller/ DistributorCorrespondent banking relationship for international transactions and trade finance services
• International Chamber of Commerce (ICC)supportingStrategic or Co-development PartnerInternational trade and commerce partnership supporting trade finance and banking standards
• Agencia Española de Cooperación Internacional para el Desarrollo (AECID)supportingStrategic or Co-development PartnerSpanish international development cooperation agency partnership for development projects

Scale indicators4 records

Recent moves7 records

Expansion highlights2 records

Direct peers

• Banpaís: Honduran private commercial bank offering personal, corporate, and agricultural banking products. Comparable domestic bank competing for the same Honduran deposit and loan market with a similar multi-segment model.
• Banco Ficohsa: Major Central American commercial bank with deep Honduras operations across personal, SME, and corporate banking. Comparable on full-stack banking products, branch network, and digital channels serving the same Honduran market.
• Banco Popular (Honduras): Honduran cooperative commercial bank offering deposits, loans, and digital banking to retail and SME customers. Comparable domestic player with a national footprint competing in personal banking and lending.
• Davivienda Honduras: Honduras subsidiary of Colombian bank Davivienda offering consumer, mortgage, and commercial banking with a national branch network. Comparable as a multi-channel Honduran commercial bank serving retail and SME customers.
• Banco de Occidente (Honduras): Honduran commercial bank with personal and business banking products including agricultural lending focus. Comparable mid-sized domestic bank competing in similar customer segments including rural and agricultural Honduras.
• Banco Atlántida: One of the largest private commercial banks in Honduras, offering deposit, lending, credit card, and digital banking products across personal, business, and corporate segments. Directly comparable as a multi-channel Honduran commercial bank competing for the same customer wallet.
• BAC Credomatic: Pan-Central American commercial bank with significant Honduras presence offering deposits, loans, cards, and digital banking. Directly comparable multi-segment banking franchise operating under the same regulator.

Regional players

• Banco Lafise Bancentro: Central American banking group headquartered in Nicaragua with regional presence including Honduras. Comparable on commercial and agricultural banking focus, though primary market is Nicaragua with Honduras as one of several country operations.

Broad incumbents

• HSBC Honduras: Local subsidiary of global bank HSBC providing corporate, commercial, and premium retail banking in Honduras. Comparable for trade finance, correspondent banking, and corporate banking services that overlap with BANHCAFE's offerings.
• Citibank Honduras: Local operations of Citibank providing corporate and correspondent banking in Honduras. Comparable for international trade services, FX, and corporate banking relationships that overlap with BANHCAFE's correspondent banking and trade finance offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/banhcafe

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 BANHCAFE