<p>Remittances are a vital source of external finance in low- and middle-income countries, yet their role in fragile and conflict-affected settings remains poorly understood. Using unique large-scale panel data from both origin households and migrants in Myanmar—a country experiencing prolonged conflict and instability—we examine what drives remittance behavior, when remittances are sent, and how they are used. We find that migrants are more likely to remit following household-level shocks, including conflict, health, and financial hardship, highlighting their role in informal crisis response. However, remittance sending is strongly shaped by migration conditions: migrants with stable employment or formal migration pathways are far more likely to remit, while those facing precarity or debt are less able to do so. While this study highlights the important role remittances play in conflict-affected settings, it also reveals significant gaps in this safety net for many vulnerable households.</p>