The question comes from both ends: a relative in Guatemala has lost their DPI, let it expire, or is a minor, and the person sending from the United States wants to know whether the money can still be collected. This page puts together what the banks that pay remittances in Guatemala publish about the ID they ask for, and what the sender can do. We read the Banrural, Banco Industrial and BAM pages on 24 and 25 September 2026. The Spanish version of this page is cobrar remesa sin DPI.
In short: Banrural asks the person to be of age and present a DPI, and says remittances are paid only to people over 18. Banco Industrial takes a DPI (Guatemalans) or passport (foreigners), and pays a minor who brings a copy of the birth record and comes with one of their parents. BAM asks for a valid DPI (Guatemalans) or passport (foreigners legally resident) to sign up for its remittance service. None of the three pages offers another document for a Guatemalan without a DPI: the practical route is to send in the name of an adult who has one, use an account deposit, or have the relative get a DPI.
What each bank asks for
| Bank | ID it publishes | Minors | Other published requirements | Source |
|---|---|---|---|---|
| Banrural | Present your identity document (DPI) | «El pago de remesas es solamente para personas mayores de 18 años» (remittances are paid only to people over 18) | Be of age; up-to-date details; remittance code; sender’s and beneficiary’s names; relationship; account number if you want a direct deposit | Banrural Remesas Familiares page (read 24 September 2026) |
| Banco Industrial | DPI for Guatemalans, passport for foreigners | Bring a copy of the birth record (fe de edad); must be accompanied by one of their parents | Remittance code; form IVE BA 03 for amounts over US$10,000 or the quetzal equivalent | Banco Industrial Cobro de remesas en Guatemala page (read 25 September 2026) |
| BAM | To sign up: full photocopy of the DPI (Guatemalans) or passport (foreigners legally resident in Guatemala), valid | Not mentioned on the page we read | Electronic Frequent Customer Form (FEIC) | BAM Remesas Familiares page (read 25 September 2026) |
BAM’s page describes what it takes to sign up for its service (a remittance current account with a debit card), not a counter pickup; its FAQ answers were not captured.
The three cases people ask about
Lost or stolen DPI. None of the three pages mentions another document for a Guatemalan without a DPI. While the relative replaces it at RENAP (see the DPI in Guatemala), the money can go in the name of another adult in the family who has one.
Expired DPI. Banrural and Banco Industrial write “DPI” without saying whether an expired one is accepted; BAM asks for valid documents to sign up. Call first: Banrural remittances 2429-4444 (its page also gives PBX 1720, option 5); Banco Industrial’s page gives 2411 6100, option 6, to collect by phone, or writing to 2411 6000, option Remesas.
A minor. The banks differ. Banrural: no, payment is for people over 18 only. Banco Industrial: yes, with a copy of the birth record and accompanied by one of their parents.
What the sender in the US can do
- Put the remittance in the name of an adult with a DPI. That meets the ID requirements Banrural and Banco Industrial publish for collecting.
- Send it as an account deposit. Banrural offers direct deposit to a Banrural account (it asks for the account number), and Banco Industrial says a remittance can be credited immediately to someone with an account at the bank, and that Western Union remittances can also be collected through its app and online banking. More in bank deposit vs cash pickup.
- Names. Banrural asks for the sender’s and beneficiary’s names and their relationship with the remittance.
- Large amounts. At Banco Industrial, over US$10,000 or its equivalent, the IVE BA 03 form is filled in.
Banrural says a remittance stays available to collect for about 30 days and usually shows up about 20 minutes after it is sent, depending on the sending point. Which companies pay out at Banrural: sending money to a Banrural account from the USA.
Related
- Best ways to send money from the USA to Guatemala
- Remittance scams and mistakes: how to get money back
Sources: Banrural, Remesas Familiares page (read 24 September 2026); Banco Industrial, Cobro de remesas en Guatemala (Requisitos tab) and the article Cobro de remesas: todo lo que necesitas saber (published 19/11/2024), read in a browser on 25 September 2026 because the site blocks scripted requests; BAM, Remesas Familiares (Requisitos tab), read in a browser on 25 September 2026. General information; each bank sets its own requirements and they can change.
Frequently Asked Questions
Can a remittance be collected in Guatemala without a DPI?
Not at Banrural, going by what it publishes: its list for collecting a remittance asks the person to be of age, have up-to-date details and present their identity document (DPI). Banco Industrial asks for a DPI from Guatemalans or a passport from foreigners. BAM, to sign up for its remittance service, asks for a full photocopy of the DPI for Guatemalans or a passport for foreigners legally resident in Guatemala, valid. None of the three pages offers another document for a Guatemalan without a DPI.
Can a minor collect a remittance?
It depends on the bank. Banrural says remittances are paid only to people over 18. Banco Industrial says that if the beneficiary is a minor, they bring a copy of the birth record (fe de edad) and must be accompanied by one of their parents.
Is an expired DPI accepted?
Banrural’s and Banco Industrial’s pages say DPI without saying whether an expired one is accepted. BAM’s page asks for valid documents to sign up. Call before going: Banrural’s remittance call centre is 2429-4444 (its page also gives PBX 1720, option 5); Banco Industrial’s page gives 2411 6100, option 6, to collect by phone, or writing to 2411 6000, option Remesas.
Is there a form to fill in?
Banco Industrial asks for form IVE BA 03 for amounts over US$10,000 or the quetzal equivalent. Banrural asks for the remittance code, the sender’s and beneficiary’s names and their relationship.
What can I do from the US if my relative has no DPI?
The options that follow from what the banks publish: send the remittance in the name of an adult relative who has a DPI; for a minor, Banco Industrial pays when a parent comes along with a copy of the birth record; or send it as a deposit to an account. The relative can also apply for a DPI at RENAP.
