Living between two banking systems

The transfer industry acts as if money only moves one way — from a working-age person in the UK to family in a home country. Real diaspora life is not like that. Savings sit on the wrong side of a border. A parent in Lagos gets old and needs money moved back. A child needs school fees paid in a currency that is neither yours nor hers. These pages are for the questions the transfer apps do not think to ask.

Start here

Should your family receive dollars, euros or the local currency? is the question that shapes every other choice on this hub. What currency the money arrives in changes which fee she pays to touch it, whether it holds value between transfers, and whether a dollar account in Lagos or Nairobi is worth the paperwork. Read this first.

How to send money from India (or Kenya, or Nigeria) to the UK covers the reverse corridor most senders do not know exists. Most remittance apps only run one way; the ones that go both ways are the useful ones when you need to move money back.

Moving your savings to the UK when you already hold them abroad is what to do with an account that was fine when you lived there and is now stuck. This is where the emigration case parts company with routine remittance — the amount is larger, the receiving-side questions are different, and the paperwork matters.

Where to look next

Two-way corridors are still tied to specific countries. The Nigeria page includes what a UK-bound send from Lagos looks like in practice. The Kenya, Philippines and India pages carry the same for their sides. If you already have a Nigerian bank account and want to know what a UK-bound send from that account actually costs, send money from Nigeria is the closer read.

The Friday number runs weekly on one corridor at a time — always the send-to leg. When a reverse-corridor number is worth publishing, we will run it here.