Special rate and zero fees

At Instarem, we transfer money at low cost. Our competitive rates are sourced from Reuters. Unlike banks and other operators, we add only minimal markup to the rates and do not have any hidden charges.

You can send money to over 60+ countries with Instarem. For a complete list of receiving countries, click here.

It usually takes us up to 2 business days to process a transaction from the time we receive the funds from you. However, it could take us more than 2 business days to process a transaction for certain countries and payment methods.

Once you transfer the funds, the transaction will be completed between 15 minutes and 24 hours.

Recipients In China

Once the transaction has been processed by Instarem, Money Express-enabled recipients will receive the payments in real time. The customer will be informed that the beneficiary is enabled for real-time payment while adding the beneficiary card number.

For Recipients In Other Countries

Once the transaction has been processed by Instarem, it depends on the processing time of the receiving bank.

As a regulated financial service provider, we work to ensure that we are fully compliant with our regulatory requirements. This includes additional reviews of our customers’ details and transactional activity. Such reviews sometimes require us to request additional documents from you. Kindly be assured that any information you share with us is protected by our data privacy policy and is safe with us.

With Instarem, you can send money from Australia, Canada, Singapore, Hong Kong, Malaysia, Euro Zone Countries, UK, India and the US.

Instarem is the trading name of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pte Ltd is regulated by the Monetary Authority of * * Singapore as a Major Payment Institution under License No. PS20200276.

Australia: Instarem is the trading name of NIUM Pty Ltd, a subsidiary of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pty Ltd is a registered Remittance Provider with AUSTRAC and holds AFS License No. 464627 and is regulated by ASIC.

Canada: Instarem is the trading name of NIUM Canada Corporation, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Canada Corporation with License No. M15569293 is regulated by the Financial Transactions & Reports Analysis Centre of Canada

Hong Kong: Instarem is the trading name of NIUM Limited, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Limited is regulated by the Hong Kong Customs and Excise Department with MSO License No. 16-010-01797.

India: Instarem is the trading name of NIUM India Pvt. Ltd., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM India Pvt. Ltd. operates in association with SBM Bank and is regulated by the Reserve Bank of India vide its approval dated 24th April 2020.

Indonesia: Instarem is the trading name of PT NIUM Mitra Indonesia, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. PT NIUM Mitra Indonesia, with License No: 21/261/Jkt/1 as a Fund Transfer Operator, is regulated by the Bank Indonesia.

Japan: Instarem is the trading name of NIUM Japan Kabushiki Kaisha, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Japan Kabushiki Kaisha holds Registration No: 00073 with Kanto Local Finance Bureau and is a Type 2 Funds Transfer Services Provider under the Payment Services Act (Act No. 59).

Lithuania: Instarem is the trading name of UAB NIUM EU, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. UAB NIUM EU with License No. 14 is regulated by Lietuvos Banks (Bank of Lithuania).

Malaysia: Instarem is the trading name of NIUM SDN. BHD., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM SDN. BHD. with Registration No. 201701000367 (1214517-X) is regulated in Malaysia by the Central Bank of Malaysia under License Number: 00222.

Singapore: Instarem is the trading name of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pte Ltd is regulated by the Monetary Authority of Singapore as a Major Payment Institution under License No. PS20200276.

United States of America: Instarem is the trading name of NIUM Inc., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Inc. operates in the United States under a program sponsored by Community Federal Savings Bank to which NIUM is a service provider (NMLS ID No. 1528562).

UK: Instarem is the trading name of Nium Fintech Limited, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. Nium Fintech Limited with Reference number 901024 is regulated by the Financial Conduct Authority as an Authorised Electronic Money Institution (EMI) provider and is licensed to issue electronic money (e-money) and provide payment services