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Holiday Money Transfers: How Expats Save More on Remittances

Holiday Money Transfers: How Expats Save More on Remittances

24 Sep 2025


The holiday season is when love travels across borders in the form of gifts, calls, and—most importantly—remittances. But here’s the truth: fees, poor exchange rates, and holiday rush can eat into your hard-earned money before it even reaches home.

The good news? 

Expats like you can actually save more during festive remittances with a few smart steps. This guide shows you how to keep more money in your family’s hands by choosing the right money transfer service and sending at the right time.

Why Holiday Transfers Cost More

  • Higher demand: December and festive months see a surge in global remittances, driving up costs.
  • Bank closures: Local banks and agents may shut down for holidays, delaying transfers.
  • Exchange rate shifts: Currencies fluctuate heavily around year-end, lowering the value your family receives.

This is why so many expats feel their loved ones get less than expected during Christmas, Eid, or Diwali.

 

 

Want to know how to keep your transfers smooth even when banks and agents close during holidays? 

Check out our guide on Remittance Hacks: What to Do When Local Agents Go Offline During Holidays

How to Save More on Festive Remittances

1. Send Money Early

Don’t wait until Christmas Eve or Eid day. Transfer a few days before to avoid peak-time surcharges and agent closures.

2. Choose Digital Transfers Over Cash Agents

Online money transfer services remain open 24/7, even when banks and local agents are closed. With ACE, you can send money instantly to bank accounts, cash pickup points, or mobile wallets.

3. Watch the Exchange Rate, Not Just the Fee

A provider offering “no fees” but with a weak exchange rate can cost you more. Always compare the total your family will receive. ACE offers competitive exchange rates, ensuring your loved ones get more value.

4. Use Rate Alerts & Track Transfers

Lock in a good rate when you see one. With ACE, both you and your family get real-time updates, so there’s no stress about whether the money arrived.

 

 

5. Take Advantage of Holiday Offers

Many providers give first-time users extra perks. With ACE, your first transfer is free, making it the best time to sign up and start saving.

Quick Holiday Checklist for Expats

  •  Send money early
  • Use 24/7 digital money transfer services
  • Compare total cost (fees + exchange rates)
  • Lock in the rate if possible
  • Track your remittances online

Conclusion: Make This Holiday Count

Your family shouldn’t lose money on fees just because it’s the holidays. By planning ahead and choosing the right platform, you’ll keep more in their hands—where it belongs.

Sign up with ACE today and get your first transfer free. This holiday, give more to your loved ones, not to fees.

FAQs

How can I save money on holiday money transfers?

You can save by sending early, using digital transfers instead of cash agents, and comparing both fees and exchange rates. Signing up with ACE Money Transfer helps because you get competitive rates and low fees, plus your first transfer is free.

Why do remittance fees increase during holidays?

During festive seasons, demand for transfers is very high. Many banks and local agents also close, which limits options and drives up costs. Online services like ACE Money Transfer remain open 24/7, so you avoid the holiday rush and higher charges.

Which is better during the festive season: banks or online transfers?

Banks usually charge higher fees and may delay transactions during holidays. Online transfers through ACE Money Transfer are faster, available 24/7, and more affordable. That’s why many expats prefer digital transfers during festive months.

Can I send money from the UK to Nepal during the Christmas and New Year holidays?

Yes. Even when banks in the UK or Nepal close for holidays, you can still transfer money online through ACE Money Transfer. Funds can be sent directly to bank accounts or picked up in cash, so your family doesn’t have to wait.

How do I send money from Canada to the Philippines during festive holidays?

The easiest way is to use a digital service like ACE Money Transfer. You can send money instantly to bank accounts, cash pickup locations, or mobile wallets—even if agents are closed for Christmas or New Year. With competitive rates, your loved ones receive more during the holidays.


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