Send Money to Guatemala by WhatsApp (2026): Félix, Remitly, MAJORITY and Zapp

Yes, you can send money from the United States to Guatemala without leaving WhatsApp. These four services publish a WhatsApp route to Guatemala as of 1 November 2026: Félix ($2.99 USD to a bank account, $4.98 USD for cash pickup), MAJORITY ($1.99 per WhatsApp transfer), Remitly and Zapp. WhatsApp is only the chat: Félix, MAJORITY and Zapp each name the licensed money transmitter behind the service. WhatsApp’s own help center warns about the other side of the coin, senders who pretend to be someone you know.

Quick summary

Fees are each provider’s own published figures, read 1 November 2026, and can change.

Félix

Félix pitches itself as “No necesitas ninguna aplicación, solo WhatsApp”: no app at all. Its Guatemala page sets out how it works:

• Before you start: a US cell phone number and a one-time identity check.
• Steps: write to Félix on WhatsApp, give the recipient’s name and the bank or store where they will collect, then pay by card online or in cash at a store.
• Fees: $2.99 USD to a bank account, $4.98 USD when the money is collected in cash at a store, first send free. The page warns “Las comisiones de Félix pueden actualizarse” (fees can be updated) and tells you “Siempre revisa el resumen en WhatsApp antes de confirmar”: always check the summary in WhatsApp before confirming.
• Where it arrives: banks including Banco Industrial, Banrural, BAM, G&T Continental, Bantrab and Banco Azteca; cooperatives and microfinance lenders such as Micoope, Fedecope and Génesis Empresarial; cash at points such as Farmacias Cruz Verde and Megapaca.
• What your family needs: for an account, their full name and account number. For cash, their full name; to collect, they show official ID and the reference code you receive on WhatsApp.
• Limits: from $1 USD. Without identity verification, up to $1,500 USD a day and $2,999 USD a month. Verified, up to $2,999 USD a day and $9,999 USD a month. Félix says verification can take up to 24 hours.
• Paying: a US-issued debit or credit card (American Express excluded), or a barcode paid in cash at Walmart, 7-Eleven, CVS or Walgreens, from $20 to $500 USD per deposit. The store charges its own fee, and the cash option is not available in New York or Oklahoma. The page also states: “Félix no acepta transferencias bancarias, Zelle ni wire transfers”.
• Speed: the page puts delivery at between a few minutes and about 30 minutes, but two sections disagree on which is faster: one says a bank deposit arrives in minutes and cash in about 30 minutes; the FAQ says about 30 minutes for bank and cooperative deposits and minutes for cash.

Félix’s footer describes Felix Technologies as an authorized agent of UniTeller, Intermex and Spectrum Global Payment Solutions (NMLS 937914), and as a licensed money transmitter in some US states (NMLS #2302775). Support runs only through WhatsApp, at +1 (669) 333-3549, and the company states “Félix no tiene línea telefónica ni correo de soporte”: it has no phone line or support email.

MAJORITY

MAJORITY’s Guatemala page says you can “Send money to Guatemala on WhatsApp with nothing to download, or in the MAJORITY app”. You add the recipient and choose a bank deposit (using their account number) or cash pickup (using their phone number). You see the live USD-to-GTQ rate, the delivery time and any fee before confirming. Pricing on the page:

• Pay per transfer: $1.99 per transfer on WhatsApp, no membership, $0 on your first transfer. The promotion has limits: “Promo applies to your first transfer up to 1000 USD, valid for 30 days after sign up.” The fee box reads “From $1.99”, and the page adds that standard fees are “Subject to change; may vary by payment and delivery method.”
• Membership: $6.99 a month; MAJORITY says members pay no MAJORITY fee on transfers to most countries.

The page also says “No SSN needed to join”. MAJORITY’s own estimates are that bank deposits usually arrive within the hour and cash pickup usually within a day. The page says services may be provided by Majority Payment Services LLC (NMLS # 1991596).

Remitly

Remitly’s WhatsApp page lists the United States among 18 sending countries and Guatemala among the destinations. It adds: “Message us on WhatsApp to check if we support your route”. Remitly’s blog gives its WhatsApp number as +1 (217) 802-0009. You can chat without an account, but you need a verified account to complete a transfer. Fees and rates on the page depend on payment method and recipient country; the only pricing it shows is a new-customer offer.

Zapp

Zapp’s Guatemala page works differently: you type your WhatsApp number on zapp.global, press the button, and it moves you into WhatsApp. There you give the amount and the recipient’s details and choose an account deposit or cash pickup. The page says the money is available in about 30 minutes and that the first send carries no fee; its promotional banner ties that offer to Walmart Guatemala: “Con Walmart Guatemala $0 comisión en tu primer envío”. Zapp is explicit about WhatsApp’s role: “Zapp utiliza WhatsApp únicamente como canal de comunicación”. In other words, WhatsApp is just the channel. The transfer itself is processed outside WhatsApp by a licensed money transmitter, and the page adds “Zapp es un servicio independiente y no está afiliado a Meta”, meaning it is an independent service not affiliated with Meta. The footer names Servicio UniTeller (NMLS 928684) and Spectrum Global Payment Solutions (NMLS 937914) as the providers. Spanish-language support runs daily from 7:00 a.m. to 10:00 p.m. CT.

Paying cash at a store can add the 1% remittance tax

Internal Revenue Code section 4475 taxes remittance transfers made after 31 December 2025 at 1 percent when the sender pays the provider with cash, a money order, a cashier’s check or a similar physical instrument. Section 4475(d)(2) excludes transfers funded with a US-issued debit or credit card. Félix’s cash-at-the-store option is a cash payment; its card option is a US-issued card. The US remittance tax guide has the full rules.

Scam signs on WhatsApp

WhatsApp’s own help center lists these signs of a suspicious message:

• It asks you to tap a link, activate a feature through a link, or download an app.
• It asks for personal or financial information, such as card or bank account numbers, your birth date or passwords.
• It asks for money, or claims you must pay to use WhatsApp.
• The sender pretends to be someone you know.
• It is about the lottery, gambling, a job, an investment or a loan, or the sender builds trust before asking for information.

WhatsApp’s advice: if you are unsure who an unknown contact is, ask them personal questions or confirm with a voice or video call; report, block and delete suspicious messages. It also warns that a suspicious message from a known contact can mean their account has been compromised. The first time someone outside your contacts writes to you, WhatsApp shows whether you share groups and which country the number is registered in.

Two published facts help you spot a fake service. First, the official entry points are the ones each provider publishes on its own site: Félix’s support is only on WhatsApp at +1 (669) 333-3549, Remitly’s number is +1 (217) 802-0009, and Zapp starts from its own website. Second, Félix says its official WhatsApp chat carries the blue verification badge, that it never asks for your password, and that it does not ask for codes or sensitive data outside that chat; card payments go through a secure payment link it sends inside the chat. If you have been targeted, USAGov’s where to report a scam tool points you to the right agency. Guatemala-side tips for banking apps are in the mobile banking security guide.

Other ways to send

If your family’s bank account can take a wire, the US bank wire guide lists what Chase, Bank of America, Citi and Wells Fargo charge. To compare cash pickup with a deposit, see bank deposit vs cash pickup. To send groceries or a phone top-up instead of cash, see sending food to family in Guatemala.

Sources

• Félix, home page, felixpago.com, read 1 November 2026
• Félix, Enviar dinero a Guatemala, felixpago.com, read 1 November 2026
• MAJORITY, Send money to Guatemala, majority.com, read 1 November 2026
• Remitly, Send money with WhatsApp, remitly.com, read 1 November 2026
• Remitly, What is Remitly’s WhatsApp number?, remitly.com, read 1 November 2026
• Zapp, home page, zapp.global, and Guatemala page, zapp.global, read 1 November 2026
• WhatsApp Help Center, About suspicious messages and scams, faq.whatsapp.com, read 1 November 2026
• USAGov, Learn where to report a scam, usa.gov, read 1 November 2026
• 26 U.S.C. § 4475, Imposition of tax on remittance transfers (Cornell LII text, with effective-date note), law.cornell.edu, read 1 November 2026