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Banks and other providers add a mark-up 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 Finland At Zero-Margin Rates

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Send Money To Finland

Looking for a way to dodge exorbitant bank fees on international money transfers to Finland? InstaReM is here to revolutionise the way people send money to Finland by providing Zero-Margin exchange rates, a nominal fee, faster transfers and best of all - zero hidden charges on your money transfers. Committed to making international money transfers cost-efficient for individuals and businesses across the globe, InstaReM removes the high remittance fees and bureaucracy that keeps your money locked for a long time.

Equipped with an electronic money institution (EMI) licence by The Bank of Lithuania, our central operational headquarters for Europe and North & South Americas is based in Lithuania.

As a member of the Eurozone’s single currency, Finland has no regulations or currency controls. Transferring money to Finland has no restrictions for non-residents or residents. The Eurozone’s single payments system for all member states has simplified money transfers.

InstaReM offers money transfer services to many countries across the globe. We work with more than 40 currencies, and Euro being a popular currency, and included in the Special Drawing Rights (SDR) basket, we offer a worldwide coverage.

With us, you need not worry about FX spreads or hidden charges. All we do is charge you a really small fee, and it definitely isn’t anything like the “secret” fee that you pay to the high-street banks. Just Sign Up with InstaReM, create a free account, fill in your personal details along with ID proofs and request a transfer. We typically transfer your money to Finland in just 1 or 2 business days. However, the processing time may depend on bank timings in both the sending and receiving countries. Hence, it is advisable to plan your transfers in the first half of the day, as most banks have a cut-off time in the early afternoon, and transfers after that are not sent until the following day. Go on and signup to send money to Finland!

Frequently Asked Questions
  • Is it safe to send money to Finland 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 Finland 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. InstaReM charges a small percent of the amount sent as fee. For payments from AUD or HKD to EUR, the fee is 0.5%. For payments from SGD to EUR, the fee is 0.25%. For transfers from MYR to EUR, the fee is 0.6%. Please note that the fees are subject to change.
  • How much time does it take to send money to Finland 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 Finland are covered by InstaReM? InstaReM covers all banks in Finland, including Aktia Savings Bank, Helsinki OP Bank, Nordea Bank, Danske Bank, S-Bank, OP Corporate Bank PLC, Evli Bank PLC, and Bank of Aland, among many others.
  • What details are required to send money to Finland?
    1. Name: When sending to individuals in Finland, you need to fill in the beneficiary’s first name and last name.
    2. Address: Beneficiary’s full residential address in Finland.
    3. Account no: Beneficiary’s local account number in Finland.
    4. Beneficiary's Bank Code: You need your beneficiary’s SWIFT-BIC code to make a transfer to Finland.
  • 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 Finland here.
  • Can I send money to the bank account of a business based in Finland through InstaReM? Yes. You can use InstaReM for business transfers to Finland.
  • What are the minimum and maximum limits for sending money to Finland 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 Finland? We make payouts in EUR and USD only.  
  • For what purposes can I send money to Finland through InstaReM? InstaReM service can be availed by any individual (at least 18 years of age) for personal money transfer needs in Finland 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 Finland
    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 Finland? No. InstaReM does not support transfers to an email address in Finland.

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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