Instarem vs WorldRemit Business: Which is better for your Business?

Business
21 Apr 2025
3 mins read
Written by

Choosing the right business account can significantly impact how you manage your finances. Here’s a comparison between Instarem business and WorldRemit Business, focusing on their features, pricing, business card options, and more, to help you decide which one suits your needs best.​

InstaremWorldRemit Business
FeaturesHold and exchange multiple currencies, send real-time payments, secure transactions, process up to 1,000 payments, fund transactions seamlessly with Visa or Mastercard® credit cardsPrimarily focused on international money transfers with options like bank transfers, cash pickup, mobile money, and airtime top-up
PricingNo monthly fees, no fees for cross-currency paymentsCharges a small fee per money transfer; no fees on a customer’s first transfer
Business CardsVirtual prepaid Mastercard® with FX savings and customized spending controlsNot specified

Instarem vs WorldRemit Business: Key Features

InstaremWorldRemit Business
Supported CurrenciesPay in 40+ currenciesSupports transfers to over 130 countries
International PaymentsPay to 160+ countriesOffers international money transfers with various delivery options
Accounting Software IntegrationN/AOffers reporting tools and integrates with various e-commerce platforms
Business Debit CardsVirtual prepaid card with FX savingsNot specified
AppMobile-web compatibilityMobile app available for sending money on the go


Both options offer robust features. Instarem stands out with its ability to hold and exchange multiple currencies and process up to 1,000 payments, while WorldRemit excels in providing diverse international payment delivery options. The best choice depends on your business’s specific needs.

Instarem vs WorldRemit Business: Pricing

InstaremWorldRemit Business
Account Opening FeeNo feesNot specified
Monthly SubscriptionNo feesNot specified
Currency Exchange FeesMid-market rate; no feesExchange rates include a markup; fees vary depending on the delivery method
Money Transfer Fees$0 fees for cross-currency paymentsCharges a small fee per money transfer; no fees on a customer’s first transfer
FX FeesMid-market rate; no feesExchange rates include a markup


Instarem offers a competitive structure with no monthly fees and no fees for cross-currency payments, utilizing mid-market exchange rates. WorldRemit charges a small fee per money transfer, with no fees on a customer’s first transfer; however, their exchange rates include a markup. Consider your transaction volume and frequency to determine which pricing structure is more cost-effective.

Instarem vs WorldRemit Business: Business Cards

InstaremWorldRemit Business
Physical CardSoonNot specified
Virtual CardAvailable for Google Pay and Apple PayNot specified
Custom CardNot availableNot specified
ATM WithdrawalSoonNot specified


Instarem offers virtual prepaid Mastercard® with FX savings and customised spending controls, available for Google Pay and Apple Pay. Physical cards and ATM withdrawal options are coming soon. WorldRemit’s business card offerings are not specified.

See how Instarem compares

Instarem
FeaturesHold and exchange multiple currencies, send real-time payments, secure transactions, process up to 1,000 payments, and fund transactions seamlessly with Visa or Mastercard® credit cards
PricingNo monthly fees and no fees for cross currency payments
Business cardsVirtual prepaid Mastercard® with FX savings and customised spending controls

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About Instarem

Instarem powers global business payments that move as fast as you do. With our business account, you can make payments to 160+ countries easily and affordably. Whether it’s salary payouts, supplier invoices, or intra-company transfers, our solutions are built to simplify your workflow. We also offer tailored payment tools for industries like logistics, tech, travel, and more. Get clear spend insights with the SME Spend Barometer. As part of Nium, a global fintech unicorn, we’re trusted and regulated in 11 jurisdictions, moving USD $6 billion annually—and ready to help you scale. Contact us to find the right fit for your business.

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