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Includes Fee

Banks and other providers make sending money to China an expensive affair by adding a markup and other hidden charges to their exchange rates. At InstaReM, we make it cost-effective through our Zero-Margin FX rates, low remittance fees, and no hidden charges.

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InstaReM Advantage
Zero-Margin FX Rates
We get you mid-market FX rates sourced directly from Reuters and add absolutely no margins!
Fast & Easy Transfers
Sign up, verify your account and get transacting. The recipient typically gets the money in 1-2 business days.
Loyalty Points
Earn bonus InstaPoints upon joining and each time you transfer. Redeem them against your transactions.
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A Happy You! Is Why We Do What We Do

Transfer Money To China At Zero-Margin Rates

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Send Money To China

Whether you are investing in a business or supporting your family back in China, it’s time you stopped losing your hard-earned money to expensive bank transaction fees and hidden charges. InstaReM completely understands your need to be there for your family and friends when you are away from home, and we help you connect with them even when you are thousands of miles away. The lack of transparency on transaction costs is disappointing to users everywhere. Apart from the insane costs, the time taken by traditional players like banks and money transfer operators (MTOs) to process your transfers is frustrating enough. InstaReM enables individuals, SMEs and corporates to transfer money to anywhere in China anytime, at affordable costs.

Our smooth Signup process and upfront charges make for a refreshing change in an industry plagued by prohibitive costs. We offer Zero-Margin FX rates, mid-market rates sourced directly from Reuters, apply only a nominal fee, and pay out to your recipient from our local bank account in China. With our wide network of partner banks across the country, you can send money anywhere in China.

At InstaReM, we are committed to giving you a great deal on your money transfers. You can check our Zero-Margin rates anytime - login not required. You can compare our rates with Google and XE. We believe in maintaining transparency with our clients. Hence, we keep your transactions free from hidden charges and FX spreads. Thanks to our Zero-Margin FX rates, low transfer fees, and fast transfers, the World Bank has consistently ranked us as #1 cost-effective remittance platform in remittances to several corridors from a number of countries in Asia-Pacific. So are you ready to transfer funds to China? Click here to register for Zero-Margin FX Rates!

Frequently Asked Questions
  • Is it safe to send money to China through InstaReM?

    As a FinTech company, InstaReM reports to a number of regulatory bodies globally, and just like banks and other financial institutions, we have preventive measures designed to safeguard your profile against unauthorised access, fraud, and money laundering.
  • How much time does it take to send money to China through InstaReM? Typically, InstaReM makes same or next-business-day transfers, 7 days a week. However, some factors that can slow down payment processing are:
    1. Additional information required by InstaReM or recipient bank or financial institution for your security
    2. Payment processing / verifying your bank account
    3. Branch location hours / delivery hours / holidays
    4. Erroneous recipient details
    *Please note that the transfer time may be affected by banking systems and holidays in both the sending and receiving countries. You will receive email notifications as your money transfer progresses through our system. You can track your transfer on the InstaReM website as well as on the app.
  • Which banks in China are covered by InstaReM?

    InstaReM covers all banks in China, including Industrial & Commercial Bank of China, China Construction Bank Corp., Agricultural Bank of China, Bank of China, HSBC Holdings, and Mitsubishi UFJ Financial Group, among many others.

    • What details are required to send money to China?
      1. Name: When sending to individuals in China, you need to fill in the beneficiary’s first name and last name.
      2. Address: Beneficiary’s full residential address in China.
      3. Account no: Beneficiary’s local account number in China.
      4. Beneficiary's Bank Code: You need your beneficiary’s SWIFT-BIC code to make a transfer to China.
  • What is a SWIFT-BIC Code? Swift Code is a standard format of Bank Identifier Codes (BIC) and it is unique identification code for a particular bank. These codes are used when transferring money between banks, particularly for international wire transfers. Banks also use the codes for exchanging other messages between them.You can find SWIFT codes for China here.
  • Can I send money to the bank account of a business based in China through InstaReM? Yes. You can use InstaReM for business transfers to China.
  • What are the minimum and maximum limits for sending money to China through InstaReM? Individuals: The first transaction limit from Australia is AUD 2500. The limit is removed next transaction onwards. From Malaysia, per day transaction limit is MYR 50,000. There is no limit for transactions from Singapore and Hong Kong. Corporates: From Malaysia, per day transaction limit for businesses is MYR 200, 000. There is no limit for transactions from Australia, Singapore and Hong Kong. Please note that InstaReM accepts payments in whole amounts, not decimals. Transactions above USD 10, 000 must be declared to the authorities concerned.
  • For what purposes can I send money to China through InstaReM? InstaReM service can be availed by any individual (at least 18 years of age) for personal money transfer needs in China from four countries. A user will be required to specify the purpose of remittance from a specified list of purposes like:
    1. Family maintenance
    2. Gift to family or friends
    3. Credit into your non-resident deposit accounts in China
    4. Payments towards tuition/ hostel fees
    5. Travel services
    6. Home loan repayment (extended by banks)
    7. Insurance premium
    8. Purchase of permissible real estate
    *InstaReM does not support payments for FDI (Foreign Direct Investment) purposes.
  • Does InstaReM support transfers to an email address of a recipient based in China? No. InstaReM does not support transfers to an email address in China.

You can also transfer money to other countries in

  • Asia
  • Europe
  • Oceania
  • North America