International business payments
Experience secure, fast, and cost-effective global transactions. Pay internationally minus the high fees, complexity, and frustrations of a bank.
Your international business account
Transparent rates. Low fees. No surprise costs.
What you see is what you pay. Our rates are fair, our fees are low and above all we are transparent, so you see what you are paying for with every transaction.
Experience exceptional value for your transaction with our industry-leading FX rates.
Benefit from unparalleled cost savings with our low fees, often up to 5X cheaper than banks.
No extra charges
We don't impose setup or subscription fees, nor are there any hidden charges to surprise you.
Who we are
Part of NIUM, the first B2B payments unicorn in Southeast Asia. Instarem has been on a mission of making international payments easy and affordable for everyone since 2014. We are the go-to solution for businesses that need to move money quickly, reliably and at a lower cost than banks.
Why use Instarem
Up to 5X cheaper than banks
Get competitive, bank-beating exchange rates and low fees.
Up to 12X faster than banks
Most transactions are completed within the same day.
Secure and reliable
Regulated, licensed, and built on industry-leading technology.
Secure cross-border payments
Experience the confidence of secure cross-border transactions with our globally licensed platform. We prioritise your peace of mind, rigorously protecting your funds in partnership with regulated financial institutions and tier 1 banks worldwide.
Our trusted investors
How we help businesses
The Company Authentic Wine Explorers is a wine importer and retailer that specialises in Burgundy wines. Started in 2012, they are recognised as a pioneer and leader for Burgundy wines in Singapore. They are well known among wine lovers and collectors who range from professionals, managers, executives and technicians (PMETs) to doctors, lawyers, bankers, and ...
Our latest articles
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We’re always looking for ways to make your money go further for your business. That’s why we’re excited to introduce our new payment method: direct debit from a bank account. This new service lets you link your bank account directly to Instarem, so you can pay for your transactions straight from the Instarem platform, and ...
Why an ‘overseas’ business function? Suppose you are asked: What is the primary purpose of any business? What answer will you give? The primary purpose of any business is: To design products or services that offer some ‘value’ To convert more ‘leads’ into customers To build relationships with stakeholders To serve its ...
Singapore is known as one of the best places in the world to start a business not only because it is ranked first for economic freedom but also because it offers a number of startup schemes and grants that can get companies to get off the ground. We will be looking at all of the ...