iSavta | 30.12.2025

For many migrant caregivers in Israel, sending money home is one of the most important responsibilities. The money you send supports your family’s daily needs, education, and medical expenses. As 2026 begins, it is a good time to learn how to send money more wisely, with lower fees, and with better protection for your hard-earned income.

Even small changes in how and when you send money can help you save more over time.

 

1. Understand Where Your Money Goes

When you send money home, you are not only sending the amount you choose. There are also:

• Transfer fees

• Exchange rate differences

• Possible hidden charges

These small amounts may not look big at first, but over one year, they can add up. Knowing the total cost of each transfer helps you make better decisions.

2. Compare Remittance Services Before Sending

Do not use the same remittance service automatically. Different services charge different fees and offer different exchange rates.

Before sending money:

• Compare at least two or three services

• Check the total cost, not only the transfer fee

• Look at how much your family will actually receive

Some services may look cheap but give lower exchange rates. Always focus on the final amount received by your family.

3. Send Money on a Fixed Schedule

Sending money many times a month can increase total fees. If possible, try to:

• Send money once or twice a month instead of many small transfers

• Plan a fixed schedule, such as every 15th or end of the month

This simple habit can help reduce fees and make budgeting easier for both you and your family.

4. Choose the Right Time to Send

Exchange rates change often. Sometimes, waiting a few days can help your family receive more money.

You can:

• Check exchange rates before sending

• Avoid sending when rates are very low, if it is not urgent

• Send during stable periods when possible

Even a small difference in exchange rates can mean extra money for your family over time.

5. Protect Your Income From Scams and Fraud

Migrant workers are sometimes targeted by scams, especially online. To protect your money:

• Use only trusted and licensed remittance services

• Do not share personal or banking information with strangers

• Avoid offers that promise “very high exchange rates”

If something feels suspicious, do not proceed. It is better to be careful than to lose your money.

6. Keep Records of Your Transfers

Always keep:

• Receipts

• Confirmation messages

• Transaction numbers

These records help you track how much you send and protect you if there are problems. Keeping records also helps you plan your monthly budget more clearly.

7. Talk Openly With Your Family About Money

Open communication with your family is very important. Explain:

• Your income and expenses

• How much you can realistically send

• The importance of saving and budgeting

This helps avoid pressure and misunderstandings. Remember, your well-being is just as important as your support.

8. Save a Small Amount Before Sending

Before sending money home, try to save a small amount for yourself first. This could be for:

• Emergency needs

• Health expenses

• Future plans

Saving even a small amount every month helps protect you in difficult times.

 

A Smarter Way to Send Money in 2026

Sending money home is an act of love and responsibility. In 2026, migrant caregivers in Israel can protect their income by choosing affordable remittance options, planning the right timing, and staying alert to risks.

By making smarter choices, you can help your family and secure your own financial future.

Your hard work deserves to be valued and protected.