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Banks and other providers add a markup and other hidden charges to their exchange rate for sending money abroad. At InstaReM, we make it cost-effective through our Zero-Margin FX rates, low remittance fee, 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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Transfer Money To The USA At Zero-Margin Rates

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Send Money To USA

Struggling with high remittance charges on regular money transfers to the USA? InstaReM can save you a good deal of money on international money transfers. Our Zero-Margin FX rates, fast transfers and complete transparency on remittance charges make us a great alternative to transfer money to the USA.

At InstaReM, we make the process of sending money to USA as easy as A-B-C. No paperwork, no hassle, no hidden charges; just easy and cost-efficient money transfers. If you are working abroad and need to send money to your family in the United States Of America, InstaReM is here to sort you out.

Register with InstaReM and we will convert your money into US dollars using Zero-Margin FX rates. We give our clients a detailed break-up of every transaction along with timely updates on the status of your transaction. Once you set up a transfer with us, we convert your money at Zero-Margin FX rates, apply a nominal fee, and pay out to your beneficiary from our local bank account in the USA. Want to try sending to the USA? Click here. to get started.

Frequently Asked Questions
  • Is it safe to send money to the USA 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 does it cost to send money to the USA through InstaReM? InstaReM uses Zero-Margin FX Rates to transfer your money. With us, you always get the exchange rate you see on Reuters or Google. For payments from AUD or HKD to USD, the fee is 0.5%. For payments from SGD to USD, the fee is 0.25%. For transfers from MYR to USD, the fee is 0.6%. Please note that the fees are subject to change.
  • How much time does it take to send money to the USA 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 the USA are covered by InstaReM? InstaReM covers all banks in the USA, including JPMorgan Chase & Co., Bank of America Corp., Wells Fargo & Co., Citigroup Inc., Goldman Sachs Group Inc., Morgan Stanley and U.S. Bancorp, among many others.
  • What details are required to send money to the USA?
    1. Name: When sending to individuals in the USA, you need to fill in the beneficiary’s first name and last name.
    2. Address: Beneficiary’s full residential address in USA.
    3. Account no: Beneficiary’s local account number in the USA.
    4. Beneficiary's Bank Code: You need your beneficiary’s SWIFT-BIC code to make a transfer to the USA.
  • 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 USA here.
  • Can I send money to the bank account of a business based in the USA through InstaReM? Yes. You can use InstaReM for business transfers to the USA.
  • What are the minimum and maximum limits for sending money to the USA 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.
  • Which currencies are available for payout in the USA? We make payouts in USD only.
  • For what purposes can I send money to the USA through InstaReM? InstaReM service can be availed by any individual (at least 18 years of age) for personal money transfer needs in USA from four countries. The 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 the USA
    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 USA? No. InstaReM does not support transfers to an email address. Try InstaReM and enjoy secure transfers to the USA at competitive rates, and round-the-clock client support. We also have first-transfer and referral bonuses for our clients.

You can also transfer money to other countries in

  • Asia
  • Europe
  • Oceania
  • North America
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          InstaReM USA Corporation is sponsored by Community Federal Savings Bank in the United States, to which InstaReM is a service provider, except in certain states in which InstaReM USA Corporation is a licensed money transmitter, NMLS ID 1528562 and NJ Lic No L069603.

          • InstaReM PTE Limited is the holding company of InstaReM subsidiaries globally.

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