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    Simple overseas money transfers

    Send money overseas, simply.

    Fast, secure and cost-effective. But that’s not all. We know you like to be in control and always know what you are paying for, so that’s exactly what you’ll get with us.

    Cost effective

    Competitive pricing, no hidden fees.


    Usually instant or same day transfer.


    We verify everyone and everything, always.


    Always know the cost. Stay in control.

    Link all your cards, all in one

    All your cards into one. Now that’s amazing

    Imagine you could link all your cards together. Imagine you never needed to top up again. Ok, now stop imagining and go get your amaze. Spend, save and track all your cards, directly from our app. Simply download now to be amazed.

    All in one

    Combine your credit and debit cards into one amaze.

    Bye-bye top-ups

    Enjoy uninterrupted spending.

    Save like a pro

    Buy global, spend like a local with our competitive FX rates.

    Easy to use, easier to track

    Simple and intuitive with real-time transaction summary of your linked cards.

    Your money, anytime, anywhere.

    We keep things simple, even on-the-go. We know it's empowering to be in control of your money anytime, anywhere.

    Simple to download, simpler to use.

    Download our app now.

    Grow your business. Leave the payments to I.

    With us, you can focus on what really matters, scaling your business.

    We will remove all complexities from business payments and introduce you to fast, cost-effective international payments.

    Our great FX rates and low fees will help you save big. Our simple platform will seamlessly integrate with your business and provide you with real-time visibility of your payments for better cash flow management.

    Open a business account with us now, to start simplifying the way you move money for your business.

    Why Instarem?

    Global Network

    55+ countries within your reach.

    Great value

    Low fees. Great FX rates. Nothing hidden.

    Safe and reliable

    Industry-leading technology that moves $4 Billion annually.


    Send money and earn points to enjoy even greater value.

    Save time

    Skip the queues and send money fast.

    Anytime, anywhere

    Send money on-the-go with our app.

    Transferring money to over 5 billion people


    Ratings and Reviews

    Rates are good

    Transfer is easy and really quick. Rates are good when compared with other apps.

    VB Jun 16, 2021

    Quick transfer

    Instarem provides really quick transfer in 1-2 days. I have been using from last 2 years.

    Bharath Bhardwaj Jun 16, 2021

    Smooth & happy experience

    My experience with Instarem is very smooth and happy. I prefer to use this service to get advantage with higher exchange prices.

    Vijaya Jun 16, 2021

    Transferring money is very easy with Instarem

    Transferring money is very easy with Instarem and their rates are very competitive. It takes one more step than via a bank, but the fees are much lower and it's almost equally fast for the recipient to get the money.

    SK Tang Jun 10, 2021

    Lightning fast and reliable transfer

    Lighting fast and reliable transfer. Super convenient. Transferred my blocked account amount via Instarem. Simply amazing!! Will definitely recommend others... Cheers!

    Harish Jun 08, 2021

    Easiest and fastest app

    Easiest and fastest app to transfer money across countries

    Lingeswaran Jun 05, 2021

    Authentication process adds more security

    The authentication process adds more security and we can always trust. Rate is more competitive today compared to other providers.

    JP Jun 02, 2021

    Quick, easy & trustworthy

    Instarem is very quick, easy and trustworthy. Once your bank account has been verified, subsequent transactions are quick. As soon as the money is debited from your origin country bank account, it deposits the money in destination country account with in hours. I love it. The exchange rate also gets updated daily.

    Shiv Patro Jun 02, 2021

    I‘ve been a customer for a couple of years and it‘s just getting better and better. Today I got my transferred within few minutes after my transaction, which was honestly shockingly surprising. And the customer service always attends to details. Thank you and keep it up!

    Saranya Jun 21, 2021

    Instarem is the best Money Transfer platform with dedicated customer support. Have been using Instarem for quite a long now, and it is the fastest platform. Thank you so much Instarem and team!

    Imran Bagwan Jun 11, 2021

    Been using Instarem for about 3 years now. One of the best in terms of exchange rate and no hidden charges. Although I don't usually transfer large amounts (<$20k), never had any issues during the process. Would definitely recommend trying it out.

    NK Jun 09, 2021

    I used this apps to transfer money for more than a year and it is fast and safe. The exchange rate also attractive and Recommended.

    Vincent Lee Jun 09, 2021

    The transfer if funds to another country was fast. The funds were completed within 15 mintues. I will use again.

    William Chua Wee Lian Jun 08, 2021

    Your money is safe with I.

    We are regulated by 9 financial regulators across the globe, so you can be sure we do everything by the book!

    Our compliance with the regulators relies heavily on the safety and security of your funds. That’s why we leave no stone unturned safeguarding your money and maintaining real-time fraud prevention measures for total peace of mind.

    Join the customers, small businesses and major banks who trust us to transfer their funds globally, amounting to billions of dollars’ annually.

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    Frequently asked questions

    What does Instarem do?

    We are a leading digital cross border payments company. Changing the complex nature of global payments, we exist to make money simpler for you. Whether you’re a consumer, a small or medium-sized enterprise or a financial institution, we simplify the way you spend, send and receive money worldwide. We were founded in 2014 in Singapore with licenses and offices in Singapore, Australia, Malaysia, Hong Kong, India, USA, Canada and across Europe.

    Why use us over a bank or any other Money Transfer Operator (MTO)?

    We are firm believers in fair and transparent overseas money transfers. Sending money abroad via banks and MTOs has been too expensive for too long. We disagree with the unfair margins applied to forex rates and the additional hidden fees that all too often creep in. We’re here to bring clarity to your money management.

    Our transparent platform offers cost-effective money transfers, anywhere, anytime, with competitive rates sourced directly from Reuters, and minimal mark-up applied. You’ll always get a full breakdown of every money transfer you make too.

    How do I create an account with Instarem?

    Account creation is simple. You just need to sign up with your email ID or Google / Facebook ID. Click here to create an account for simple, secure money management anywhere.

    How much does Instarem charge in fees?

    Our fees differ from countries and corridors of transfers with typical fees varying between 0% and 1%. The fees are subject to change and can be reviewed at any given time on our currency converter.

    Can I open an Instarem account for business?

    Yes, you can. All you need to do is register as a business while signing up with us.

    Is my money safe with Instarem?

    We are a fully licensed service provider with licenses in Australia, Singapore, Hong Kong, Malaysia, India, UK, the US, the EU, and Canada. We operate a layer- and jargon-free policy, giving you total transparency and control over your money. Our rigorous verification processes also guarantee that your money is safe with us and reaches the right recipients fast.

    Browse FAQs by topic

    We top up your account with 75 InstaPoints as soon as you Sign Up.

    InstaPoints are loyalty points that you can redeem against your transactions to give you a discount.

    More The InstaPoints, More The Discount.

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