Money & Payments in Utila

Good to Know

• Cash is essential on Utila — plan to use cash for most purchases, especially at small businesses, markets, and street vendors.
• Both ATMs can fail simultaneously or run out of cash during busy periods. Consider getting a cash advance at Banco Atlantida or Bush's Supermarket as a backup.
• US dollars are widely accepted but you'll often get better value paying in lempiras. Exchange rates vary by vendor, so ask first.
• Large 500-lempira bills are difficult to change at small venues, especially on weekends. Request smaller denominations when exchanging money.
• Credit card use typically incurs a 4-6% surcharge from merchants. Carry cash when possible.
• Bank notes must be pristine (no tears or writing) to be accepted for exchange. Bring your passport for any currency exchange.
• Tipping culture in Utila differs from the mainland — as a tourist island, tipping is more commonly expected than in mainland Honduras.
• PayPal is accepted by some dive shops and hotels but expect an additional 2% fee.
• Western Union and MoneyGram are available on island if you need to receive funds. You'll need your passport for either service.