How Do Overseas Workers
Transfer Money to their Homes
16 December 2025
Learn how overseas workers send money home safely and efficiently, explore remittance options, and see why digital services like OTT Remit stand out.
Very day, millions of overseas workers send money home to support families — paying for education, healthcare, and daily essentials. For many, these remittances are more than just transactions; they’re lifelines of love, hope, and stability.
According to the World Bank, global remittance flows to low- and middle-income countries reached $685 billion in 2024, reflecting the immense contribution of migrant workers to their families and home economies. But how exactly do overseas workers send their hard-earned money safely and efficiently back home? Let’s break it down.
Why Sending Money Home Matters
Remittances play a vital role not only in supporting families but also in strengthening local economies. In many developing nations, remittance inflow make up a significant share of GDP, helping house holds pay for food, housing, tuition, and medical expenses.
Because of their importance, reliable and affordable remittance services are essential. For overseas workers, finding a trusted way to send money ensures their hard work reaches the people who depend on them — quickly, securely, and with minimal cost.
Common Ways Overseas Workers Send Money Home
There are several methods available for transferring funds internationally. Each comes with its own advantages and considerations:
- Bank Transfers — Directly sending funds from a bank account to another. It’s a secure method but can be slow and expensive due to international transfer fees and exchange rate margins.
- Money Transfer Operations (MTOs) — Traditional remittance companies with physical locations worldwide. They allow cash-to-cash transfers but often require visiting and agent in person, which can be inconvenient for busy workers.
- Digital Remittance Apps — The fastest growing option, allowing users to send money via smartphone in just a few taps. These platforms offer real-time tracking, lower fees, and instant notifications, making them ideal for modern overseas workers.
Step-by-Step: How the Remittance Process Works
Here’s how a typical international money transfer takes place:
- Choose a licensed remittance provider — Always ensure the company is regulated and compliant.
- Create an account or visit an authorized agent — Depending on whether it’s online or in person.
- Verify your identity — This helps prevent fraud and ensures secure processing.
- Enter recipient details — Carefully input the receiver’s full name, bank account, or pickup location.
- Select the amount and payment method — Decide how much to send and how you’ll fund the transfer (bank, card, etc.)
- Review and confirm — Double-check exchange rates, fees, and delivery times before sending.
- Track your transaction — Most digital platforms allow real-time status updates and instant confirmations.
Key Considerations When Sending Money
- Safety — Always use a verified, licensed provider, that uses secure encryption and regulatory compliance.
- Speed — Digital remittance platforms often provide instant or same-day transfers, perfect for urgent needs.
- Cost — Compare transfer fees and exchange rates to ensure your family receives the maximum amount possible.
Smart senders look beyond just cost —they value transparency, trust, and convenience.
Why Choose OTT Remit
For overseas workers in Canada, OTT Remit makes sending money home simple, fast, and secure. With OTT Remit, you can:
- Transfer funds within minutes with real-time tracking
- Enjoy low fees and competitive exchange rates
- Send to multiple countries with global coverage
- Get support anytime with 24/7 customer service
- Rely on strong compliance standards and data protection
OTT Remit bridges the distance between you and your loved ones — helping your hard work reach home safely and swiftly.
Conclusion
For millions of overseas workers, sending money home is more than a financial act — it’s an expression of love, duty, and connection. By choosing trusted, digital remittance services like OTT Remit, you can send support with confidence and peace of mind.
So, how do overseas workers transfer money to their homes? They do it safely, quickly, and with care — through OTT Remit.
Download the OTT Remit app today and make every transfer count.
Disclaimer: The views and opinions expressed by the authors in this publication are their own and do not necessarily reflect the views of OTT Remit, OTT Financial Inc., and the OTT Group of Companies. This publication is provided for general information purposes only and should not be considered as exhaustive or comprehensive in covering all aspects of the discussed topics. It is not intended to replace seeking advice from a specialist or professional.
How To Send Money with OTT Remit
Follow three simple steps to send money quickly and securely to loved ones anywhere in the world.
Sign up for an account
Enter your name and phone number to create an account with OTT Remit.
Enter money transfer details
Choose your destination country and select one of three remittance methods: Cash Pickup, Mobile Wallet, or Bank Deposit. Enter your recipient's information.
Pay for your transfer
Complete your remittance by making an INTERAC e-Transfer. It's that easy!
