Instarem fees: 
Stay in control with transparent pricing

We believe in keeping things simple, fast, and low-cost. With just a few taps, your money can be on its way, without breaking the bank. Get better exchange rates and low fees with full transparency and easy tracking of your money.

Competitive exchange rates

We will always offer you the best rates we can with zero to minimal margin, so you get the most value out of your transactions with us.

Low transaction fees

Our fees are competitively low. Our platform is designed to maximise your savings, ensuring that costs are kept as low as possible.

No hidden fees

We will show you the costs upfront so there are no surprises, and you can transact with full confidence and peace of mind.

How much does it cost to send money overseas with us? 

The cost and speed of your transaction depends on the destination, your payment method, and how you want your funds to be received. We show you the cost upfront, so you can make the best choice for you.

For illustration purposes. Updated fees are shown to you at the time of setting up your transaction.

No sign-up fee.

No hidden charges.

You’ll know the fees upfront and pay only for what you use. 

Instarem personal account
Registering with Instarem
  • Sign up for an Instarem account
Sending money From 0.4%
Fees and exchange rates vary by sending amount, currency, payment method and receiving country and method.
Paying with your amaze card
(currently available in Singapore only)
Annual fees Free
Card issuance Free
Card replacement and delivery Free
FX (non-SGD) admin processing fee Free
Domestic (SGD) transactions 1% fee (minimum 0.50 SGD) on:
  • Monthly domestic spending over 1,000 in SGD with amaze linked to a card.
  • All domestic payments to merchants with MCC 6540 (e.g. E-wallet top-ups) and MCC 4111 (EZ-Link wallet top-ups and TransitLink General Ticketing Machines only).
amaze wallet top-up with Mastercard Free
amaze wallet top-up with Visa card 1.5% fee
amaze wallet top-up with PayNow  Free
Overseas ATM cash withdrawal 2% fee
Instarem for Business account
Registering with Instarem 
  • Sign up for an Instarem for Business account
Send money globally Standard fees: 0.65%
Subject to sending amount, currency, payment method and receiving country.
Receiving money
  • Receive money in multiple currencies, such as SGD, AUD, SGD, HKD, JPY, NZD, EUR, and GBP
Standard fees: 0.30%
Subject to receiving amount and receiving country.
Withdrawing money from your account Free
For businesses registered with Instarem in Hong Kong, Malaysia, India and Indonesia, payments received in global collection account are automatically transferred to the client’s registered local bank account at midnight.

Ready to send money?

Sign up now for fast, secure and low-cost transfers.

Have questions?