What does Instarem do?

Instarem is a leading digital cross border payments company which enables consumers, Small and Medium Enterprises and financial institutions to make international money transfers at a low cost. We were founded in 2014 in Singapore with licenses and offices in Singapore, Australia, Malaysia, Hong Kong, India, USA, Canada and EU.

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

Transferring money overseas through banks and MTOs can be an expensive affair since they add unfair margins to FX rates and have hidden fees. Sometimes it's not even clear what the recipient's actually going to receive! At Instarem, we are bringing transparency to the otherwise obscure world of international money transfers. We offer Low Cost. Our competitive rates are sourced from Reuters., and add minimal markup to it. We charge a nominal fee to cover the cost of processing your transaction. We also maintain complete transparency and give you an accurate breakup of your transfer. In fact World Bank remittance site has consistently rated Instarem as #1 cost-effective money transfer provider from Australia and Singapore to multiple countries.

How do I create an account with Instarem?

Account creation is easy. You just need to signup with your email ID or Google / Facebook ID. Click here to create an account.

How much does it cost to send money with Instarem?

When setting up a transaction with Instarem, all fees applicable to you and as charged by Instarem are presented to you upfront. You get full transparency of the amount you will be paying and the amount your recipient will be receiving. Our transaction fees vary depending on: the country you’re sending from, the country you’re sending to, the amount you’re sending, the payment method. When using a credit card to pay for Instarem’s service, your card provider may also charge a cash advance fee in addition to Instarem’s transaction fee. In certain countries, our exchange rates may include a currency conversion margin. Exchange rates are subject to change. To view the current exchange rates and fees, go to the homepage calculator, select the country you’d like to send money to and select the payment method.

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?

Instarem is a licensed service provider with licenses in Australia, Singapore, Hong Kong, Malaysia, India, US, EU and Canada. Moreover we maintain complete transparency to give you better control over your transactions and our thorough verification processes ensure that your money is safe with us and reaches the right recipients.

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amaze and Google Pay^TM
Pay the way you want

Use amaze on Google Pay to enjoy convenient payments with your Android phone and get rewards on top of rewards.

Get amaze on Instarem app

What is Google Pay?

Google Pay is a fast and simple way to use your amaze card to pay for online or in-store purchases. It brings together everything you need at checkout and keeps your payment information safe in your Google account until you’re ready to pay.

Google Pay works on any Android™ device running Android Lollipop 5.0 or higher.

Make the most of amaze and Google Pay

Stack up on rewards

Enjoy your linked cards’ rewards + amaze 1% cashback* + Google Pay rewards^.

No need for physical card

Tap to pay with your Android phone wherever contactless payments are accepted.

Peace of mind

Google’s advanced security infrastructure keeps your payments safe.

How to add amaze on Google Pay?

Log into your Google Pay app (Don’t have the app yet? Download here).

Tap on credit/debit card and select “Add credit or debit card”.

Scan your amaze card or enter the details manually. You can retrieve this from the Instarem app or the physical card.

Verify OTP (if applicable).

Done! Don’t forget to set the amaze card as default to ensure you earn your 1% cashback on top of your linked cards’ rewards!

Get amaze on Instarem app

How to add amaze on Google Pay?

Safe and secure payments. Every time.

Google Pay uses machine learning and 24/7 fraud detection with advanced security infrastructures to help keep your account safe.

When you tap to pay with your phone, Google Pay uses an encrypted number instead of your real card number so your payment information stays protected.

Sure enough, your payments are completely secure with Google Pay.

Not using amaze yet?

Download Instarem App

Why use amaze?

Stock up on rewards with 1% cashback on top of your current cards' rewards.

Link up to 5 cards and enjoy uninterrupted spending through amaze.

Save on hefty foreign exchange rates and enjoy Instarem FX rates with every global purchase.

Have questions?

Where can I use Google Pay?

Google Pay is accepted at several supermarkets, pharmacies, restaurants, trains, buses and more. You can use Google Pay wherever you see the contactless symbol or the Google Pay symbol. Look for them on the payment terminal screen or on the cash register at checkout.

Is Google Pay safe?

Yes, it is. Google stores payment information on its secure servers using encryption. Your card details are never shared with the merchant.

How to make a payment with Google Pay?

Unlock your phone and hold the back of your phone close to the contactless payment reader for a few seconds. You do not need to open the Google Pay app. A blue check mark will appear on the screen when your payment is done. Note that some stores use older software that asks for a PIN or signature. In such cases, just follow the steps on the screen.

For in-store purchases, please ensure that your Android™ device has Near Field Communication (NFC) and Host Card Emulation (HCE) capabilities.

Is there a payment limit on Google Pay?

There is no payment limit on Google Pay. However, some merchants may apply a limit on contactless payment methods. Please check with the merchant at the time of payment.

Will I earn amaze 1% cashback and rewards while using Google Pay?

Yes, you will continue to earn amaze 1% cashback on top of the linked cards' rewards that you’re eligible for while using amaze on Google Pay.

^ Google T&Cs apply.
* amaze T&Cs.

Nium makes money on foreign currency conversion.

Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. Nium makes money on foreign currency conversion. In the United States, Nium, Inc. operates under a program sponsored by Community Federal Savings Bank, to which Nium is a service provider (NMLS ID No. 1528562).

*Nium makes money when it converts your send currency to a receive currency

We top up your account with 25 InstaPoints as soon as you Sign Up.

InstaPoints are loyalty points that you can redeem against your transactions to give you a discount.

More The InstaPoints, More The Discount.

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amaze and Google Pay​TM Pay the way you want​​

What is Google Pay?

Make the most of amaze and Google Pay

Stack up on rewards

No need for physical card

Peace of mind

How to add amaze on Google Pay?

How to add amaze on Google Pay?

Safe and secure payments. Every time​.​

Have questions?

amaze and Google Pay^TM
Pay the way you want

Safe and secure payments. Every time.