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CARDS

Simple overseas money transfers

Send money overseas, simply.

Fast, secure and cost-effective. But that’s not all. We know you like to be in control and always know what you are paying for, so that’s exactly what you’ll get with us.

Cost effective

Competitive pricing, no hidden fees.

Fast

Usually instant or same day transfer.

Safe

We verify everyone and everything, always.

Transparent

Always know the cost. Stay in control.

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Link all your cards, all in one

All your cards into one. Now that’s amazing

Imagine you could link all your cards together. Imagine you never needed to top up again. Ok, now stop imagining and go get your amaze. Spend, save and track all your cards, directly from our app. Simply download now to be amazed.

All in one

Combine your credit and debit cards into one amaze.

Bye-bye top-ups

Enjoy uninterrupted spending.

Save like a pro

Buy global, spend like a local with our competitive FX rates.

Easy to use, easier to track

Simple and intuitive with real-time transaction summary of your linked cards.

Learn More

Your money, anytime, anywhere.

We keep things simple, even on-the-go. We know it's empowering to be in control of your money anytime, anywhere.

Simple to download, simpler to use.

Download our app now.

InstaReam Goggle play InstaReam Apple App

Grow your business. Leave the payments to I.

With us, you can focus on what really matters, scaling your business.

We will remove all complexities from business payments and introduce you to fast, cost-effective international payments.

Our great FX rates and low fees will help you save big. Our simple platform will seamlessly integrate with your business and provide you with real-time visibility of your payments for better cash flow management.

Open a business account with us now, to start simplifying the way you move money for your business.

Create Your Business Account

Why Instarem?

Global Network

55+ countries within your reach.

Great value

Low fees. Great FX rates. Nothing hidden.

Safe and reliable

Industry-leading technology that moves $4 Billion annually.

Rewards

Send money and earn points to enjoy even greater value.

Save time

Skip the queues and send money fast.

Anytime, anywhere

Send money on-the-go with our app.

Transferring money to over 3.21 billion people

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Seamless and cost effective

I have been using Instarem for more than two years now and I have constantly found the best exchange rates on the website. To add to that, the commission is low as well. I started with Western Union and due to some issue did one transaction with Instarem and have never looked back since. Highly recommended.

- Geert Cools (Belgium)

 

“

The Overall Experience Was Seamless

The overall experience was seamless right from the account set up until the first amount transfer phase. The UI is very simple and easy to follow. Thanks for good service.

- David Nixon (UK)

 

“

Exceptional Value!!

Exceptional value for remittance with best exchange rate period! Transparency redefined. Thanks for saving remitters from banker loots.

- Mark Chow (Singapore)

 

“

Simple and quick :)

Using the Instarem service for over 2 years and really happy with the fast transactions and the payment portal is pretty much straightforward and easy to use. Would definitely recommend to others.

- Sijilraj Rajagopal (India)

 

“

Excellent Service, Best In Australia

I am using Instarem since 2016. It's not only because they offer best rate and lowest charges, also I found it faster and they offer better customer service than a lot of other service providers. I honestly recommend them for anyone who wants to send money overseas.

- John Podder

Ratings and reviews

Fast transfer and better rates

Fast transfer and better rates. For hassle free transfers i will definitely recommend Instarem

Rijul Chandran Feb 26, 2021

If you are looking for sending money…

If you are looking for sending money with real exchange rate, then go for Instarem. Provides a competitive exchange rates without any extra/hidden charges. Great way to transfer money abroad. It also provides referral benefits, points etc.

Suraj Vadvadgi Feb 24, 2021

Wonderful experience

User friendly. Smooth transaction. Wonderful experience. Thank you

Hepsiba Jonathan Jan 10, 2021

Glad I found Instarem

I started using Instarem recently. The best thing about this is the exchange rate is pretty good compared to other competitors. I have not ran into any issues so far. I have used Instarem for a few transaction already and plan to use it on a regular basis.

Pradip Hayu Feb 17, 2021

Perfect for managing my money accross…

Perfect for managing my money accross countries and currencies.. a very good customer support in case of any issues

Nitin Pal Dec 28, 2020

Great UX for customers.. sending money made easy

Great UX for customers. Simple design of flow for payments. Genuinely helpful customer service through chat and very quick to respond.

Harish Balaji Dec 13, 2020

Smooth Transaction with Good Rates

The process and everything was smooth. The transfers do take around 3 days to reach in receivers account. Also, they don't accept money from any account that doesn't have your name. And they don't have joint accounts for transfer.

Rijul Chandran 26 Feb, 2021

Instarem is simple to use

Instarem is simple to use and convenient. Best part is better transfer rate in a market. I would recommend instarem to others.

Rijul Chandran 26 Feb, 2021

Easy to transact. Now with Pay-id activation, the costs are even less. Super quick response to e-mails. Overall excellent.

Ram Nishant Alajangi Feb 22, 2021

Great App,user friendly and never felt issues with any transaction. More over, we can Trust Instarem for PayID transactions. Initially, I was a bit nervous to transfer funds as now a days frauds are increasing but every transaction is successful and more safe and fast.

Siva Kella Feb 8, 2021

Instarem provides competitive exchange rates. InstaPoints are bonus for spending more with Instarem.

Purushottam Kulawade Feb 2, 2021

I have been using Instarem for about 2 years now and I am a happy customer! They had one of the best rates compared with others. My most recent transaction via bank transfer only took 1 hour from my bank to recipient bank account! This is a huge improvement from before, which takes at least a few hours or within 24 hours. The drawbacks are: the minimum transfer amount (I can't send less than £200), and I have never used my Instarem points as they all expired.

Rebecca Mahor Jan 25, 2021

Quick, easy and convenient

Shravya Shetty Jan 8, 2021

Your money is safe with I.

We are regulated by 9 financial regulators across the globe, so you can be sure we do everything by the book!

Our compliance with the regulators relies heavily on the safety and security of your funds. That’s why we leave no stone unturned safeguarding your money and maintaining real-time fraud prevention measures for total peace of mind.

Join the customers, small businesses and major banks who trust us to transfer their funds globally, amounting to billions of dollars’ annually.

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Frequently asked questions

What does Instarem do?

We are a leading digital cross border payments company. Changing the complex nature of global payments, we exist to make money simpler for you. Whether you’re a consumer, a small or medium-sized enterprise or a financial institution, we simplify the way you spend, send and receive money worldwide. We were founded in 2014 in Singapore with licenses and offices in Singapore, Australia, Malaysia, Hong Kong, India, USA, Canada and across Europe.

Why use us over a bank or any other Money Transfer Operator (MTO)?

We are firm believers in fair and transparent overseas money transfers. Sending money abroad via banks and MTOs has been too expensive for too long. We disagree with the unfair margins applied to forex rates and the additional hidden fees that all too often creep in. We’re here to bring clarity to your money management.

Our transparent platform offers cost-effective money transfers, anywhere, anytime, with competitive rates sourced directly from Reuters, and minimal mark-up applied. You’ll always get a full breakdown of every money transfer you make too.

How do I create an account with Instarem?

Account creation is simple. You just need to sign up with your email ID or Google / Facebook ID. Click here to create an account for simple, secure money management anywhere.

How much does Instarem charge in fees?

Our fees differ from countries and corridors of transfers with typical fees varying between 0% and 1%. The fees are subject to change and can be reviewed at any given time on our currency converter.

Can I open an Instarem account for business?

Yes, you can. All you need to do is register as a business while signing up with us.

Is my money safe with Instarem?

We are a fully licensed service provider with licenses in Australia, Singapore, Hong Kong, Malaysia, India, UK, the US, the EU, and Canada. We operate a layer- and jargon-free policy, giving you total transparency and control over your money. Our rigorous verification processes also guarantee that your money is safe with us and reaches the right recipients fast.

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NIUM, Inc. (formerly known as Instarem USA Corporation), operates in the United States under a program sponsored by Community Federal Savings Bank, to which NIUM is a service provider (NMLS ID No. 1528562).

  • NIUM Pte. Ltd. (formerly known as Instarem Pte. Limited) is the holding company of NIUM and Instarem subsidiaries globally.
  • *Nium makes money when it converts your send currency to a receive currency
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