I have created this free pattern for Photoshop that will apply a jigsaw puzzle effect over any image. It is easily re-sizeable.

To use the pattern:

• Create a new layer and fill it with any colour - then reduce the fill to 0%.
• In the blending options, select Pattern Fill and fill your image with this jigsaw pattern. Now you can adjust the size as required.
• Reduce the layer opacity slightly (your own choice here), then create a new, empty layer and merge this and the pattern filled layer together.
• Blending options again - Bevel - Emboss - set as required.
• Create another new, empty layer and once again merge these 2 layers.
• Set this layer to Overlay. You will probably need to duplicate this layer at least once to achieve your required result.

Enjoy!

Click on the image to download the .pat file