International business payments

Experience secure, fast, and cost-effective global transactions. Pay and get paid internationally minus the high fees, complexity, and frustrations of a bank. 

Your international business account

Make business payments

Pay your overseas suppliers or employees across 160+ countries and save money with great FX rates and low fees.

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Receive business payments 

Get paid easily in USD, AUD, SGD, HKD, JPY, NZD, EUR, and GBP without the hefty costs or multiple bank accounts. ​

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Transparent rates. Low fees. No surprise costs.

What you see is what you pay. Our rates are fair, our fees are low and above all we are transparent, so you see what you are paying for with every transaction.

Exchange rates

Experience exceptional value for your transaction with our industry-leading FX rates.


Benefit from unparalleled cost savings with our low fees, often up to 5X cheaper than banks.

No extra charges

We don't impose setup or subscription fees, nor are there any hidden charges to surprise you.

Who we are

Part of NIUM, the first B2B payments unicorn in Southeast Asia. Instarem has been on a mission of making international payments easy and affordable for everyone since 2014. We are the go-to solution for businesses that need to move money quickly, reliably and at a lower cost than banks.


Money moved annually


Countries you can pay


Jurisdictions we are licensed in

Why use Instarem

Up to 5X* cheaper than banks

Get competitive, bank-beating exchange rates and low fees.

Up to 12X* faster than banks

Most transactions are completed within the same day.

Secure and reliable

Regulated, licensed, and built on industry-leading technology.

*Based on traditional bank averages. Actual savings and speed vary by amount, destination, currency, individual bank policies, etc.

Secure cross-border payments

Experience the confidence of secure cross-border transactions with our globally licensed platform. We prioritise your peace of mind, rigorously protecting your funds in partnership with regulated financial institutions and tier 1 banks worldwide.

Our trusted investors

Ready to grow your business?

Tap into our expertise to streamline your payments, boost your operations, and scale your business. We are just a click away. Reach out now if you want to hear more.