Yellow Flower
Yellow Flower

A Quick Guide to Sending Money Home from the UK on a Budget

18 Jul 2025

Sending money home is a lifeline for millions of people living and working abroad — but when you’re on a tight budget, even small fees or poor exchange rates can eat into what your loved ones receive. Whether you're supporting family back home, helping with medical bills, or just sending a little extra during Eid or Christmas, it’s important to make every pound count.

Here’s a quick guide to how you can send money home from the UK affordably, without compromising on speed or reliability — plus how Jazari can help you do it smarter.

1. Look for low or zero-fee transfers

Some providers charge high transfer fees, especially for smaller amounts. These can add up fast. At Jazari, we’ve made it simple: you can send free remittances to several popular corridors, including Pakistan and Nigeria. That means more of your money goes directly to your loved ones — not to fees.

2. Compare exchange rates

Even small differences in exchange rates can make a big difference in how much your family receives. Jazari offers some of the best rates for sending money home, so your pounds go further every time.

3. Plan ahead — or send instantly when needed

If you know you’ll be sending money soon, it helps to plan ahead so you can avoid emergency fees or delays. But sometimes life doesn’t go to plan. With Jazari, you can use our Remit Now, Pay Later feature to send money immediately, even if you’re low on funds this month. Your family gets the money instantly, and you repay it later through the app.

4. Choose a provider with no hidden costs

Some apps bury extra charges in the fine print — like margin markups on exchange rates or delayed transfer fees. Jazari is fully transparent: you see the exact amount your loved one will receive before you hit send.

5. Start sending from day one

You shouldn’t need to wait days to open an account or verify your details. With Jazari, you can open your account in under 2 minutes, for free. You can also connect your UK bank account and start sending immediately — no paperwork or branch visits required.

Final Thoughts

When you're on a budget, every penny counts — and the right remittance app can make a real difference. With zero-fee transfers, great rates, Remit Now Pay Later, and a fast, free sign-up process, Jazari is designed to help you send money home quickly, affordably, and stress-free.

Jazari Money is a trading name of Alif Financial LTD (No. 13467148) registered in England & Wales with registered office at 6 Queensgate Court, 44 Alexandra Grove, London N12 8HL. Jazari Money is an agent of PayrNet Limited (No. 09883437) registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Jazari Money cards are issued by PayrNet Limited under licence from Visa Europe. Visa is a registered trademark of Visa International Service Association. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS). Money received in exchange for e-money is not treated as a deposit.

The Financial Services Compensation Scheme does not provide coverage for electronic money products. Consequently, there is no other compensation scheme in place to safeguard against losses incurred from electronic money accounts. Your funds will be held in one or more segregated bank accounts with a regulated third-party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011. In the improbable event that Jazari, Payrnet, or any other entity becomes insolvent, your electronic money will be safeguarded and held in secure accounts. Your funds will not be utilised for any other purpose. However, in the unlikely scenario that the credit institution holding the safeguarded funds becomes insolvent, your funds may be at risk.

The Jazari Card and Account are issued by Payrnet. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FCA reference 900594) for the issuing of electronic money and payment services.

© 2025 Jazari. All rights reserved.

Jazari Money is a trading name of Alif Financial LTD (No. 13467148) registered in England & Wales with registered office at 6 Queensgate Court, 44 Alexandra Grove, London N12 8HL. Jazari Money is an agent of PayrNet Limited (No. 09883437) registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Jazari Money cards are issued by PayrNet Limited under licence from Visa Europe. Visa is a registered trademark of Visa International Service Association. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS). Money received in exchange for e-money is not treated as a deposit.

The Financial Services Compensation Scheme does not provide coverage for electronic money products. Consequently, there is no other compensation scheme in place to safeguard against losses incurred from electronic money accounts. Your funds will be held in one or more segregated bank accounts with a regulated third-party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011. In the improbable event that Jazari, Payrnet, or any other entity becomes insolvent, your electronic money will be safeguarded and held in secure accounts. Your funds will not be utilised for any other purpose. However, in the unlikely scenario that the credit institution holding the safeguarded funds becomes insolvent, your funds may be at risk.

The Jazari Card and Account are issued by Payrnet. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FCA reference 900594) for the issuing of electronic money and payment services.

© 2025 Jazari. All rights reserved.

Jazari Money is a trading name of Alif Financial LTD (No. 13467148) registered in England & Wales with registered office at 6 Queensgate Court, 44 Alexandra Grove, London N12 8HL. Jazari Money is an agent of PayrNet Limited (No. 09883437) registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Jazari Money cards are issued by PayrNet Limited under licence from Visa Europe. Visa is a registered trademark of Visa International Service Association. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS). Money received in exchange for e-money is not treated as a deposit.

The Financial Services Compensation Scheme does not provide coverage for electronic money products. Consequently, there is no other compensation scheme in place to safeguard against losses incurred from electronic money accounts. Your funds will be held in one or more segregated bank accounts with a regulated third-party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011. In the improbable event that Jazari, Payrnet, or any other entity becomes insolvent, your electronic money will be safeguarded and held in secure accounts. Your funds will not be utilised for any other purpose. However, in the unlikely scenario that the credit institution holding the safeguarded funds becomes insolvent, your funds may be at risk.

The Jazari Card and Account are issued by Payrnet. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FCA reference 900594) for the issuing of electronic money and payment services.

© 2025 Jazari. All rights reserved.