Pumpkin I used Al R to send a large amount (pretty much equal to what my provident fund is and been here close to your time)home recently. Went to them before hand to organise the exchange rate, and for a non US dollar transfer they were the best I could find. Transfer was sent on a Tuesday and was in my destination account Wednesday morning . When sending more than a few hundred thousand you need a receipt and of where it came from and need to sign a form stating it's not for/from money laundering or terrorist activities.