# Instarem

> Instarem is a digital cross-border money transfer platform by Nium Pte. Ltd. It enables individuals and businesses to send money internationally across 60+ countries with competitive exchange rates, low transparent fees, and real-time tracking. Rated 4.4/5 Excellent on Trustpilot from 8,000+ reviews.

> [!IMPORTANT]
> **Agent Skills Discovery:** This site supports the Agent Skills protocol.
> Discovery Manifest: https://www.instarem.com/.well-known/agent-skills/index.json

> [!NOTE]
> **URL Routing:** `https://www.instarem.com` automatically redirects (301) to a
> locale-specific homepage based on the visitor's country. `/en/` is the
> x-default fallback page for undetected or unsupported countries.
> Agents should use locale-prefixed URLs directly:
> - Default (x-default): `https://www.instarem.com/en/`
> - Consumer: `https://www.instarem.com/{locale}/` (e.g. `/en-sg/`, `/en-us/`)
> - Business:  `https://www.instarem.com/{locale}/business/`

## What Instarem Does

Instarem provides international money transfers for personal and business use. Users can:

- Send money from their home country to 60+ destination countries
- Get real-time live exchange rates with no hidden markups
- Pay via bank transfer or card
- Track transfers in real time via web or app
- Earn InstaPoints loyalty rewards on every transaction
- Set rate alerts to get notified when a target exchange rate is reached
- Compare Instarem's rates against competitor services

## Key Capabilities and Tools (Web-Based)

### Currency Conversion Calculator
URL pattern: `https://www.instarem.com/{locale}/currency-conversion/{FROM-lower}-to-{TO-lower}/`
Example: `https://www.instarem.com/en-sg/currency-conversion/sgd-to-inr/`
- Shows live FX rate for a currency pair
- Shows fees, transfer time estimate
- Covers all supported send/receive currency pairs

### Send Money Pages (by destination country)
URL pattern: `https://www.instarem.com/{locale}/send-money-to-{country-slug}/`
Example: `https://www.instarem.com/en-sg/send-money-to-india/`
- Country-specific transfer information: fees, rates, limits, supported banks
- Available for each sending locale × destination country combination

### Rate Comparison Tool
URL: `https://www.instarem.com/compare-exchange-rates/`
- Compares Instarem's live exchange rate against major competitors (Wise, Western Union, etc.)

### SWIFT / BIC Code Finder
URL: `https://www.instarem.com/help-personal/swift-code/`
- Find SWIFT/BIC codes for banks worldwide

### IFSC Code Finder (India)
URL: `https://www.instarem.com/help-personal/ifsc-code/`
- Find IFSC codes for Indian bank branches

### Routing Number Lookup (USA)
URL: `https://www.instarem.com/routing-number/`
- Look up US bank ABA routing numbers

### Wire Transfer Guide
URL: `https://www.instarem.com/wire-transfer/`
- Information on wire transfers, fees, and how to send

### Amaze Card (Singapore only)
URL: `https://www.instarem.com/en-sg/amaze-card/`
- Multi-currency Mastercard card for overseas spending
- Zero foreign transaction fees
- Earn InstaPoints on card spend
- Current promotions: `https://www.instarem.com/en-sg/amaze-card/all-promotions/`

## Supported Sending Locales

### Consumer (Personal)
| Locale Code | Country | URL |
|---|---|---|
| en-au | Australia | https://www.instarem.com/en-au/ |
| en-at | Austria | https://www.instarem.com/en-at/ |
| en-ca | Canada | https://www.instarem.com/en-ca/ |
| en-de | Germany | https://www.instarem.com/en-de/ |
| en-fr | France | https://www.instarem.com/en-fr/ |
| en-hk | Hong Kong | https://www.instarem.com/en-hk/ |
| en-in | India | https://www.instarem.com/en-in/ |
| en-ie | Ireland | https://www.instarem.com/en-ie/ |
| en-jp | Japan | https://www.instarem.com/en-jp/ |
| en-my | Malaysia | https://www.instarem.com/en-my/ |
| en-nl | Netherlands | https://www.instarem.com/en-nl/ |
| en-sg | Singapore | https://www.instarem.com/en-sg/ |
| en-gb | United Kingdom | https://www.instarem.com/en-gb/ |
| en-us | United States | https://www.instarem.com/en-us/ |

### Business (SME)
| Locale Code | Country | Business URL |
|---|---|---|
| en-au | Australia | https://www.instarem.com/en-au/business/ |
| en-hk | Hong Kong | https://www.instarem.com/en-hk/business/ |
| en-in | India | https://www.instarem.com/en-in/business/ |
| en-id | Indonesia | https://www.instarem.com/en-id/business/ |
| en-my | Malaysia | https://www.instarem.com/en-my/business/ |
| en-sg | Singapore | https://www.instarem.com/en-sg/business/ |
| en-gb | United Kingdom | https://www.instarem.com/en-gb/business/ |
| en-us | United States | https://www.instarem.com/en-us/business/ |
| eu | European Union | https://www.instarem.com/en-eu/business/ |

## Supported Destination Currencies

AED, ARS, AUD, BDT, BRL, CAD, CLP, CNY, COP, CZK, DKK, DOP, EUR, GBP, GHS, GTQ, HKD, HUF, IDR, INR, JPY, KES, KRW, LKR, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, SAR, SEK, SGD, THB, TRY, UGX, USD, UYU, VND

## Regulatory Licences

Instarem is licensed and regulated in 11 jurisdictions:
- **Singapore**: Major Payment Institution (MAS licensed)
- **Australia**: AUSTRAC registered
- **India**: RBI authorised
- **Hong Kong**: MSO licensed
- **Malaysia**: Bank Negara Malaysia licensed
- **United Kingdom**: FCA authorised
- **United States**: NMLS ID 1528562 (state licences apply); payments via Community Federal Savings Bank
- **European Union**: EMI authorised
- **Canada, Japan, Indonesia**: locally regulated

Full list: https://www.instarem.com/licenses/

## Business Services

Instarem Business allows SMEs to:
- Pay overseas suppliers in 160+ countries
- Issue multi-currency virtual/physical business cards (Instarem Business Card)
- Manage multiple beneficiaries
- Batch payments
- Competitive FX rates with dedicated support

## SME/Business Support

Business Contact: https://www.instarem.com/en-sg/business/contact-us/
Business help: https://www.instarem.com/help-business/
Business How-to videos: https://www.instarem.com/help-business/videos/

## Consumer Support

Help centre: https://www.instarem.com/help-personal/
How-to videos: https://www.instarem.com/help-personal/videos/
InstaPoints guide: https://www.instarem.com/help-personal/instapoints/
Transfer limits: https://www.instarem.com/help-personal/international-money-transfer-limits/

## Account

Sign up: https://www.instarem.com/signup
Sign in: https://www.instarem.com/signin
Mobile app: https://www.instarem.com/money-transfer-app/
- iOS: https://apps.apple.com/app/instarem-send-money-abroad/id1190075959
- Android: https://play.google.com/store/apps/details?id=com.instarem.mobileapp

## Content

Blog: https://www.instarem.com/blog/
About Us: https://www.instarem.com/about-us/
Terms & Policies: https://www.instarem.com/terms-policies/

## Company

Instarem is a brand of Nium Pte. Ltd. (formerly known as InstaReM). Headquartered in Singapore. Operating since 2014.
Social: @getinstarem on Twitter/X, Facebook, Instagram, LinkedIn.

## Metadata
- **Organization:** Nium Pte. Ltd.
- **Founded:** 2014
- **Trustpilot:** 4.4/5 Excellent