Kesef is a free iPhone and Android app that tracks your spending in Honduras in lempiras. You dictate the baleadas, your phone top-up repeats itself every week and the fourteenth-month salary goes in as income in June. With Kesef Pro, every Apple Pay purchase gets recorded without a tap.
This page explains how Kesef works in Honduras: how it handles the lempira, what logs itself and what's worth logging on the spot.
The lempira in Kesef
Kesef shows lempiras with a comma for thousands, a point for decimals and the L after the number: 1,250.50 L. If your phone's region is Honduras, the app already suggests the lempira as your main currency, and whatever you dictate without naming a currency stays in lempiras.
If you pay for something in dollars, that expense stays in dollars and Kesef adds it to your totals in lempiras at the day's international rate.
Apple Pay in Honduras: payments that log themselves
Apple lists Honduras among the countries with Apple Pay, so with Kesef Pro, on an iPhone running iOS 17 or later, every Apple Pay payment logs itself with its amount and merchant. You turn it on once from the Shortcuts app. Mercado Pago isn't offered in Honduras: whatever you pay by transfer or in cash, dictate it or log it with a receipt photo.
The fourteenth-month salary, in June
Honduras has two extra salaries a year: the fourteenth-month salary, paid in June with June 30 as the deadline, and the aguinaldo or thirteenth-month salary, in December. Anyone who didn't work the full year gets the proportional share.
The fourteenth-month salary lands mid-year, far from the holidays, which is why it's the easiest one to spend in the month. In Kesef you log it as income and, if you have installments left, your upcoming movements show what's still due before you decide what to do with it.
Examples in Honduras, in lempiras
- ExampleMorning baleadasFor breakfast baleadas, "baleadas, 90" is enough: 90 L is logged, because your account is in lempiras.
- ExamplePhone top-upThe 200 L top-up every Monday goes in as a weekly recurring expense: you create it once and it keeps showing up.
- ExampleA TV in 6 installmentsA 9,000 L TV in six card payments: you log the total and Kesef sets up six installments of 1,500 L, with a reminder before each due date.
Frequently asked questions
Does Kesef work in Honduras?
Yes. Kesef is a free download in Honduras on the App Store and Google Play and tracks your spending in lempiras. How many people use it from Honduras is at the top of the page, with the day's count.
Can I track my expenses in lempiras?
Yes, and they look like this: 1,250.50 L. If your phone's region is set to Honduras, Kesef suggests it when you start.
Do my Apple Pay payments log themselves in Honduras?
Yes, with Kesef Pro on an iPhone running iOS 17 or later. There's no Apple Pay on Android.
Does Kesef have Mercado Pago in Honduras?
No. Mercado Pago is offered in Argentina, Brazil, Mexico, Colombia, Chile, Peru and Uruguay. What logs itself, on iPhone, is Apple Pay.
Can I log the fourteenth-month salary and the aguinaldo in Kesef?
Yes, as income, each on the day you get it and in lempiras. If you want to see where each one went, use a tag or a savings goal for each bonus.
Sources and review date
Data checked on November 6, 2026. Bank promotions, deadlines and terms change: if you're deciding based on this, confirm on their site.