This document discusses remittances and financial services for migrants. It provides data on annual expenditures, remittances, and savings for migrant households from 2009 and 2012. It shows the demand for various services among migrants, such as ongoing coaching, recruitment assistance, and financial planning services. Finally, it discusses access to and demand for various financial products among migrants, including private pensions, credit cards, insurance, and loans. The document was produced by research organizations analyzing data on migration and development in Moldova, Bosnia-Herzegovina, and Romania.