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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 rates sourced directly from Reuters and add absolutely no margins! We charge a nominal fee.
Easy Transfers
Sign up, verify your account and get transacting. Know the exact amount your recipient will get as you set up your transfer.
Loyalty Points
Earn bonus InstaPoints upon joining and each time you transfer. Redeem them against your transactions.
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Transfer Money To Germany At Zero-Margin Rates

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Send Money To Germany

Are you happy transferring money to Germany through banks and money transfer operators (MTOs)? What you probably don’t know is that these traditional methods of money transfer actually gobble up a good chunk of your money as fees and hidden charges! According to World Bank data released in December 2017, the global average transaction costs stood at 7.09% in the fourth quarter of 2017, with banks being the most expensive type of service providers.

InstaReM is a smart new way to send money around the world at a fraction of the cost. Our Zero-Margin FX Rates, nominal transfer fee, and zero hidden charges make us a better alternative to transfer money for individuals and businesses across the world.

Just check our currency converter to see our exchange rates upfront, even without logging in! The easy access is to make sure that you always get the right deal on your overseas money transfers. We offer our clients Zero-Margin FX rates, mid-market rates directly sourced from Reuters, and add absolutely no margins. All transfers to Germany are processed quickly and transfers from another EU country are processed even faster.

Creating an account on InstaReM is as easy as ABC and your recipients do not need to have an account with us for you to be able to send money to them. You can sign up with InstaReM from our website or app. Just keep a few documents handy as we will need to verify your identity as per regulations. Our verification process could typically take a day or two and we will keep you posted on your application status. Ready to start saving on international money transfers? You may proceed now to send money to Germany

Frequently Asked Questions
  • Is it safe to send money to Germany 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, fraudand money laundering.
  • How much does it cost to send money to Germany 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 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 Germany 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 Germany are covered by InstaReM? InstaReM covers all banks in Germany, including Deutsche Bank, Commerzbank, Kfw Bankgruppe, DZ Bank, HypoVereinsbank (UniCredit Bank AG) and Landesbank Baden-Württemberg, among many others.
  • What details are required to send money to Germany?
    1. Name: When sending to individuals in Germany, you need to fill in the beneficiary’s first name and last name.
    2. Address: Beneficiary’s full residential address in Germany.
    3. Account no: Beneficiary’s local account number in Germany.
    4. Beneficiary's Bank Code: You need your beneficiary’s SWIFT-BIC code to make a transfer to Germany.
  • 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 Germany here.
  • Can I send money to the bank account of a business based in Germany through InstaReM? Yes. You can use InstaReM for business transfers to Germany.
  • What are the minimum and maximum limits for sending money to Germany 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 Germany? We make payouts in EUR and USD only.
  • For what purposes can I send money to Germany through InstaReM? InstaReM service can be availed by any individual (at least 18 years of age) for personal money transfer needs in Germany 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 Germany
    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 Germany? No. InstaReM does not support transfers to an email address in Germany.

You can also transfer money to other countries in

  • Asia
  • Europe
  • Oceania
  • North America
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