This paper analyzes the impact of remittances on education, health and consumption outcomes in Ecuador. We use local dispersion in bank density as source of exogenous variation. Although we find positive impacts on consumption, and on education and health expenditures, we find no significant effects on education and health outcomes. Regarding education, we find that children receiving remittances have a higher probability of attending private schools. In relation to health, people receiving remittances buy more medicines and are likely have better medical treatment in case of illness.