Costa Rica
Tier 2Everything a marketer needs before entering Costa Rica: economy, platforms, ad rules, payments and audience.
Economy & income
- Currency
- Costa Rican colón (CRC, ₡)
- ~455 CRC per USD (14 Jul 2026; 1 CRC ≈ $0.0022) — the colón has been one of Latin America's stronger currencies, appreciating over 2023–2025 then broadly stable in 2026
- USD is widely accepted alongside the colón
- GDP per capita
- ~$19,200 nominal (2025, IMF WEO est.; World Bank $18,587 for 2024, $16,942 for 2023) → higher for 2026
- ~$29,200 PPP (2025, World Economics; IMF WEO ~$30K) — an upper-middle-income economy, among the richest per-capita in Central America
- Average salary
- ~$1,045 net/mo (Numbeo, 2026; some trackers ~$1,200)
- gross average ~₡785K ≈ $1,500/mo (national est.) — private-sector formal wages
- large informal sector earns less
- Median salary
- ~$1,210–1,290/mo est. (~₡630K–670K, 2026 est. from wage trackers) — INEC's ENAHO reports household income rather than a headline monthly wage median, so this is an estimate
- Minimum wage
- No single national minimum — occupation-based system: 30+ rates set annually by the CNS (Decreto 45303-MTSS, +1.63% general from 1 Jan 2026)
- Unskilled ~₡373,092/mo (~$820) up to university licentiate ~₡824,540/mo (~$1,810)
- domestic work rose 3.96%
- Cost of living
- Medium (the most expensive country in Central America) — single person ~$956/mo excl. rent (Numbeo, 2026)
- ~18% cheaper than the US excl. rent, but noticeably pricier than its neighbours
Digital landscape
- Population
- 5.14 million (Jan 2025) — 83.4% urban
- median age 35.2
- 50.6% female
- Internet users
- 92.6% (~4.76M users; 382K offline) — one of the highest penetration rates in Latin America
- Social media users
- 74.5% (~3.83M identities; 86.6% of adults 18+; 80.5% of internet users)
- Mobile connections
- 7.40M cellular connections = 144% of population
- Devices
- desktop ~58.5% / mobile ~40.8% / tablet ~0.8% (StatCounter page-view share, Jun 2026) — StatCounter skews desktop-heavy here
- real consumption is mobile-first
- Ad spend
- Total digital ad market ~$298M (2024, Statista Outlook) → ~$408M by 2028
- social-media ads ~$62M (2025)
- influencer ads ~$15M (2025)
- search is the largest slice (~$132M, 2024)
- Meta & Google capture the majority
- Top social platforms
- Messengers
- WhatsApp (dominant — de facto standard for personal & business chat)
- Facebook Messenger (~2.05M reach)
- Instagram Direct
- Telegram (growing, niche/news)
- SINPE Móvil (phone-number P2P payments, near-universal — not a chat app but the key mobile-number rail)
Ad regulations
RESTRICTED — No dedicated online-gambling regulator or licensing regime. The state lottery/sports-betting monopoly is the Junta de Protección Social (JPS); private bookmakers may not legally serve residents. Costa Rica is famously a licensing HAVEN: foreign-facing operators base here on a municipal 'data-processing' permit to serve OTHER markets only. Grey/illegal betting ~53% of the market; reform bills (Exp. 25.600, 2026) would make the JPS the sole regulator
LEGAL — Crypto is legal to own, trade and use, but is NOT legal tender and has no state backing (BCCR). Bill 22.837 (passed first debate Jul 2025) would require VASPs/exchanges to register with SUGEF for AML supervision — registration ≠ authorization. No specific consumer-crypto advertising ban yet
RESTRICTED — Prostitution by adults is itself legal (voluntary; registration scheme via CCSS), but pimping, brothels and trafficking are illegal. Adult pornography is legal for adults; child sexual abuse material is heavily criminalized. Sex tourism is actively targeted by law enforcement and is a sensitive national-image issue
ALLOWED — Mainstream dating apps operate freely with no specific restriction; a socially open, tourism-heavy, US-influenced market
RESTRICTED — Anti-Usury Law 9859 (in force since 2020) caps rates (~36.65% colón / ~30.46% USD APR, updated semi-annually by the BCCR) and mandates cost/APR disclosure; SUGEF supervises lenders, and rule SUGEF 10-07 governs the advertising of financial products & services. The cap pushed some borrowers toward informal credit
RESTRICTED — Medicines, dietary supplements and natural health products must be registered with the Ministry of Health (Ministerio de Salud) before sale (General Health Law 5395); supplements may not claim to treat disease and prescription-drug advertising to the public is constrained; ICH foreign-approval recognition eased registration from 2022
- JPS (state lottery/sports-betting monopoly)
- SUGEF (banking, non-bank lenders, crypto VASPs)
- BCCR / Central Bank (monetary policy, SINPE payment system, usury caps)
- Ministerio de Salud (medicines & supplements)
- MEIC + Comisión Nacional del Consumidor (Consumer Protection Law 7472) for advertising
- Consumer-protection Law 7472 (LPCDE) governs advertising — no misleading/false claims
- Spanish-language labeling
- data protection under Law 8968 (Prodhab agency)
- Overall a liberal, stable, tourism- and nearshoring-driven market with strong US ties
Payments & behaviour
- Payment methods
- Credit/debit cards — Visa/Mastercard/Amex (dominant for e-commerce)
- SINPE Móvil (BCCR instant phone-number payments — used by 80%+ of the 15+ population)
- Bank transfer (SINPE)
- Cash / colones (rural & small purchases; declining)
- BNPL (gaining traction)
- E-wallets
- SINPE Móvil (central-bank national rail — the standout)
- Apple Pay
- Google Pay
- PayPal
- local bank wallets (BAC, BN, etc.)
- Cash on delivery
- Low–Medium and declining — cash-on-delivery still exists but cards + SINPE Móvil dominate
- Costa Rica is the most card- and digital-payment-mature market in Central America
- E-commerce
- Highest in Central America — ~$6.4B sales (2024), growing ~13% CAGR toward ~$9.3B by 2027
- domestic stores ~55% of sales
- mobile is ~half of transactions while desktop is preferred for higher-value buys
- Notes
- SINPE Móvil is the headline story — a Central Bank instant-payment rail that moved ~₡12.5T (~$27.6B) over 747M transfers in 2025 (~40% of retail now mobile)
- Offer cards + SINPE Móvil (+ BNPL) at checkout
Audience & culture
- Languages
- Spanish (official, ~99% — Costa Rican 'tico' Spanish)
- English (widely taught; strong in tourism, business, tech & San José)
- Mekatelyu / Limonese Creole (Afro-Caribbean Limón coast)
- Indigenous languages (Bribri, Cabécar — small)
- Religion
- Roman Catholic ~47–55% (Catholicism is the constitutional state religion — rare worldwide)
- Evangelical/Protestant ~26–33% (fast-growing)
- unaffiliated growing (~9–17%)
- ~96% believe in God (Latinobarómetro / UNA-Idespo 2024)
- Median age
- 35.2 years (DataReportal, Jan 2025) — younger and faster-ageing than the LatAm Southern Cone
- Key seasons
- Christmas & fin de año (Dec — the biggest spend; the mandatory 'aguinaldo' 13th-month bonus lands early Dec)
- Semana Santa / Holy Week (Mar–Apr — major domestic travel & beach exodus)
- High/dry tourism season (Dec–Apr) vs green/rainy season (May–Nov)
- Fiestas de fin de año / Zapote (late Dec — bullfights & festivals)
- Back-to-school (Feb)
- Black Friday & Cyber (Nov — imported, growing)
- Cultural notes
- 'Pura Vida' — a laid-back, optimistic, peaceful culture (no army since 1948) with high literacy and strong US economic/cultural ties (tourism, nearshoring via CINDE, remittances)
- The aguinaldo (mandatory 13th-month salary) fuels a huge December spending spike
- audience is eco-conscious and brand-aware
- Where to find creators
Media landscape
Top media outlets
- 1 CRHoy.com (crhoy.com) Spanish — leading digital-native news brand, #1 online (~11M avg monthly visits), fast headlines + heavy social distribution
- 2 Teletica / Canal 7 (teletica.com) Spanish — top TV broadcaster and high-traffic news portal (~6.6M visits); huge Facebook & TikTok reach
- 3 La Nación (nacion.com) Spanish — historic paper of record and leading quality daily/portal (~5.1M visits, Grupo Nación)
- 4 Diario Extra (diarioextra.com) Spanish — top-selling popular/tabloid daily with mass working-class reach
- 5 Repretel / Canal 6 (repretel.com) Spanish — the other major TV broadcaster (Grupo Repretel) with a busy news portal
- 6 La Teja (lateja.cr) Spanish — popular sports & farándula tabloid (Grupo Nación), very high digital reach; El Financiero covers business
Top YouTube channels
- 1 Araya Vlogs (Christopher Araya — travel vlogs) ~3.8M
- 2 GoldCelynnei (gaming — Minecraft/Roblox) ~3.8M
- 3 SoyOwenTL (gaming) ~2.3M
- 4 Superlibro (kids' animated Bible, Spanish) ~2.1M
- 5 Germán Rodezel (comedy, opinion & anecdotes) ~2.0M
- 6 PuraVidaVideos (viral entertainment) ~1.1M
Creators & public figures
Top creators
Celebrities
Affiliate & traffic
- Hot verticals
- Nutra / health & beauty (COD + card)
- iGaming / sports betting (grey — foreign operators, JPS monopoly locally)
- Sweepstakes / mobile content
- Dating
- Finance / loans & fintech (within usury caps), forex/trading
- Crypto & trading
- E-commerce & info-products (Hotmart)
- Active networks
- Global CPA networks serving LatAm — AdCombo, Cpamatica, LeadBit, ShakesPro (nutra), Mobidea
- Dr.Cash (nutra marketplace)
- Hotmart (huge in LatAm for info-products/courses)
- Mercado Libre Afiliados
- Amazon Associates
- iGaming/dating CPA networks (foreign-facing)
- Payouts
- LatAm Tier-2 ranges: nutra COD ~$15–30
- iGaming ~$25–120 CPA/FTD (hybrid common)
- dating ~$1–4 CPL
- finance ~$3–10 CPL
- sweeps ~$1–5
- Competition
- Moderate — a small (~5M) but affluent and digitally mature Tier-2 LatAm market
- Spanish creatives carry across Central America, and an English-capable, US-facing audience adds options
- ad costs cheaper than the US/EU
- Seasonality
- Q4 peak (Dec aguinaldo bonus + Christmas)
- Semana Santa (Mar/Apr) travel
- betting spikes around the national team & major football (World Cup, Liga)
- Black Friday/Cyber in Nov
- Traffic sources
- Meta (Facebook / Instagram) Ads
- Google Search & YouTube
- TikTok Ads
- Push & native (RichAds, PropellerAds, MGID)
- Influencer / creator collabs
Good to know
- Capital
- San José
- Major cities
- San José (~340K city / ~1.4M Greater Metropolitan Area 'GAM')
- Alajuela (~50K)
- Cartago (~150K canton)
- Heredia (~130K canton)
- Liberia (Guanacaste hub)
- Puntarenas (Pacific port)
- Limón (Caribbean port)
- Desamparados
- Time zones
- Single zone — Central Standard Time (CST, UTC−6)
- no daylight saving time
- Android vs iOS
-
Android 64% iOS 36%
- Phone brands
- Top e-commerce
- Amazon (cross-border — the #1 destination)
- Mercado Libre (mercadolibre.co.cr)
- eBay
- PriceSmart (membership warehouse)
- Encuentra24 (classifieds)
- local retail (Gollo, Monge, Universal, AutoMercado, Walmart CR)
- Temu / Shein (surging)
- Peak activity
-
Weekday evenings ~19:00–23:00 CST (prime), with a lunch ~12:00–14:00 bump; heavy weekend browsing🕐 In your time zone (approx.):
- Creative taboos
- Sex tourism is a sensitive national-image topic — avoid
- keep clear of anything undercutting the eco/'Pura Vida' brand
- Nicaraguan-immigration tensions
- politics/corruption
- be respectful of both the Catholic majority and the fast-growing evangelical minority
- Also worth knowing
- SINPE Móvil (Central Bank instant phone-number payments) is near-universal — always offer it.
- The aguinaldo (mandatory 13th-month bonus, paid early December) drives a massive December spending spike.
- The most affluent, digitally mature market in Central America, with strong English and US ties (tourism, nearshoring) — Spanish creatives can serve the wider CA region.
- Gambling is a licensing HAVEN for foreign-facing operators, but domestic betting is a JPS state monopoly — route iGaming carefully.
Indicative reference — always confirm the current rules with the official source before you run.