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Recipient Receives
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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 Netherlands At Zero-Margin Rates

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Send Money To Netherlands

Planning a money transfer to the Netherlands? Going through a bank may seem like the safest choice, but hey, did you know that a World Bank report dated Dec 2017, cites banks as the most expensive type of service providers, with an average transaction cost of 10.44%! A lack of transparency in traditional remittance service providers is a major pain point for clients. Mysterious transaction charges, sneaky FX spreads and other hidden costs gobble up a big chunk of your transfer amount. The worst part is that neither the sender nor the receiver knows about it until the transaction is completed. If you are funding your child’s education in the Netherlands, this could be a constant source of worry for you.

This is where InstaReM is making a difference. Being a digital platform, we eliminate middlemen from the process of overseas money transfers. We keep your transactions free from any margins or FX spreads. We convert your money using Zero-Margin FX rates, mid-market rates sourced from Reuters with absolutely no margins added. We charge only a nominal fee. Recognising our cost-effective service, the World Bank has consistently ranked InstaReM as the #1 cost-effective remittance platform from Australia and Singapore to many countries across the globe.

We maintain complete transparency with our clients. All transactions can be tracked on our website or through our mobile app. InstaReM also keeps you updated at every stage of your transaction.

InstaReM also enables corporations and SMEs to make bulk payments using its institutional platform Masspay, which is a configurable solution for corporate / SMEs to manage and control their high-volume remittances to multiple beneficiaries in multiple currencies via a seamless process. So no worries and no hassles. Signup with InstaReM today to enjoy fuss-free, fast and affordable money transfers to the Netherlands!

Frequently Asked Questions
  • Is it safe to send money to the Netherlands 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 the Netherlands 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 the Netherlands 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 the Netherlands are covered by InstaReM? InstaReM covers all banks in the Netherlands, including ABN AMRO Bank, Rabobank, ING, bunq, SNS Bank, ASN Bank and Triodos, among many others.
  • What details are required to send money to the Netherlands?
    1. Name: When sending to individuals in the Netherlands, you need to fill in the beneficiary’s first name and last name.
    2. Address: Beneficiary’s full residential address in the Netherlands.
    3. Account no: Beneficiary’s local account number in the Netherlands.
    4. Beneficiary's Bank Code: You need your beneficiary’s SWIFT-BIC code to make a transfer to the Netherlands.
  • 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 the Netherlands here.
  • Can I send money to the bank account of a business based in the Netherlands through InstaReM? Yes. You can use InstaReM for business transfers to the Netherlands.
  • What are the minimum and maximum limits for sending money to the Netherlands 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 the Netherlands? We make payouts in the Netherlands in EUR and USD only.
  • For what purposes can I send money to the Netherlands through InstaReM? InstaReM service can be availed by any individual (at least 18 years of age) for personal money transfer needs in the Netherlands from four countries. The user will be required to specify the purpose of remittance from a specified list of purposes like:
    1. Family maintenance remain
    2. Gift to family or friends
    3. Credit into your non-resident deposit accounts in the Netherlands
    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 the Netherlands? No. InstaReM does not support transfers to an email address in the Netherlands.

You can also transfer money to other countries in

  • Asia
  • Europe
  • Oceania
  • North America
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