International money transfers

In compliance with Japan’s regulatory requirements, we are required to verify your identity through KYC (Know Your Customer) information as part of standard financial services practice.

When setting up a transaction with Instarem, all fees are clearly displayed upfront. You’ll know exactly how much you’re paying and how much your recipient will receive, ensuring full transparency. Our transaction fees depend on:

• The country you’re sending from

• The country you’re sending to

• The amount you’re sending

Instarem offers competitive exchange rates with a minimal margin on currency conversion. Since exchange rates fluctuate with the market, you can always check the latest rates and fees using the calculator on our website or app—just enter the amount and destination country for an instant quote.

You can send up to 1,000,000 JPY per transfer.

The minimum amount for a money transfer from Japan is 5,000 JPY.

Yes, depending on the country and available receiving methods, you can send money to someone without a bank account. For example, we offer cash pickup and digital wallet payments in the Philippines. You’ll see the options available when you add the recipient’s details.

After logging into Instarem, you’ll be prompted to upload or enter any additional information required for verification or transactions. If you have questions, feel free to reach out to us via our Help Center.

You can easily track your money transfer using the Instarem app. With a user-friendly interface, our app lets you monitor your transfer in real-time.

Please log into your account and click ‘Transaction History’ to check the status of your transfer. You will also receive notifications via email when your transaction is paid and received by your recipient. Instarem keeps you informed at every step—when the transfer is initiated, processed, and completed—so you can have peace of mind knowing your money is being transferred securely and efficiently.

After setting up a transaction, you can make a payment to Instarem via bank transfer. The bank account details will be displayed on the payment confirmation page and will also be sent to you via email for your reference. Simply follow the instructions to complete your transfer. Please note that the bank transfer amount must be the same with the net-source amount. We do not accept separated funding/bulk funding for the multiple transactions.

Currently, Instarem does not accept credit cards as a payment method for transactions from Japan.

There’s no limit on how frequently you can send money internationally from Japan. However, we do have maximum transfer limits in place to comply with regulations and ensure the safety of your transfers.

At Instarem, we prioritise the security of your transactions while keeping things safe and reliable.

No. Instarem’s services in Japan are app-only, so you won’t be able to send money using the website. To send money internationally with the Instarem app, just follow these simple steps:

• Download the Instarem app from the App Store or Google Play Store.

• Create an account in the app.

• Follow the on-screen instructions to set up your transfer.

No, Instarem does not allow individuals to have multiple accounts.

No, Japan does not allow joint bank accounts. To send money, your bank account must match the name on your Instarem account.

A Foreign Politically Exposed Person (PEP) is someone who holds a prominent public position or role in a foreign country, such as a Head of State, Prime Minister, Minister, Supreme Court Judge, Ambassador, Director of the Central Bank, or certain high-ranking officials. Family members or former members of these categories are also considered PEPs. PEPs are subject to stricter rules for financial transactions in Japan. If you are a PEP, please inform us during registration for regulatory and security purposes.

At Instarem, we support transfers to a wide range of countries, and our network continues to grow. You can send money to the following countries from Japan:

• United States

• United Kingdom

• Canada

• Singapore

• Australia

• Hong Kong

• Greece

• Guatemala

• Spain

• Slovakia

• Germany

• Belgium

• Croatia

• Austria

• France

• Portugal

• Netherlands

• Luxembourg

• Slovenia

• Cyprus

• Estonia

• Finland

• Italy

• Lithuania

• Ireland

• Malta

• Latvia

Restrictions and regulations can vary depending on the country you’re sending from, the destination country, and the purpose of the transfer. At Instarem, we strictly follow the regulations of each country we operate in. Sometimes, we may need additional information or documentation to ensure compliance with these regulations.
Before making a transfer, we recommend that you check any specific regulations that might apply to your transfer. You can also review Instarem’s Global Policy for more details.

No, the remitter needs to pay the whole fees.

Instarem is available to Japan residents, citizens, and individuals aged 18 and above who have an Individual Number and a Japan-based bank account.

To add a recipient, you will need to provide: –

• Full name

• Full address

• Email address

• Contact number

• Your relationship with the recipient

• The recipient’s receiving country and currency

You can edit a recipient’s details in the ‘Recipients’ section of our money transfer app. However, once a transaction has been initiated for a recipient, their details can no longer be edited.

We encourage you to enter the right beneficiary bank account details and fund the transaction from your own account to avoid a case of refund. However, if a refund needs to be issued, we will ask for your bank details and transfer money back to the same bank account that you used while funding Instarem.

You can review Instarem’s Terms & Conditions and Privacy Notice on our website or during the registration process when signing up on the app.

To log in, simply click on the ‘Google’ or ‘Facebook’ option again on the login page and use the same account you originally signed up with.

Yes, we prioritise the safety of your personal and transactional information. For more details, please refer to Instarem’s Terms & Conditions and Privacy Notice.