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    Simple overseas money transfers

    Send money overseas, simply.

    Fast, secure and cost-effective. But that’s not all. We know you like to be in control and always know what you are paying for, so that’s exactly what you’ll get with us.

    Cost effective

    Competitive pricing, no hidden fees.

    Fast

    Usually instant or same day transfer.

    Safe

    We verify everyone and everything, always.

    Transparent

    Always know the cost. Stay in control.

    Link all your cards, all in one

    All your cards into one. Now that’s amazing

    Imagine you could link all your cards together. Imagine you never needed to top up again. Ok, now stop imagining and go get your amaze. Spend, save and track all your cards, directly from our app. Simply download now to be amazed.

    All in one

    Combine your credit and debit cards into one amaze.

    Bye-bye top-ups

    Enjoy uninterrupted spending.

    Save like a pro

    Buy global, spend like a local with our competitive FX rates.

    Easy to use, easier to track

    Simple and intuitive with real-time transaction summary of your linked cards.

    Your money, anytime, anywhere.

    We keep things simple, even on-the-go. We know it's empowering to be in control of your money anytime, anywhere.

    Simple to download, simpler to use.

    Download our app now.

    Grow your business. Leave the payments to I.

    With us, you can focus on what really matters, scaling your business.

    We will remove all complexities from business payments and introduce you to fast, cost-effective international payments.

    Our great FX rates and low fees will help you save big. Our simple platform will seamlessly integrate with your business and provide you with real-time visibility of your payments for better cash flow management.

    Open a business account with us now, to start simplifying the way you move money for your business.

    Why Instarem?

    Global Network

    55+ countries within your reach.

    Great value

    Low fees. Great FX rates. Nothing hidden.

    Safe and reliable

    Industry-leading technology that moves $4 Billion annually.

    Rewards

    Send money and earn points to enjoy even greater value.

    Save time

    Skip the queues and send money fast.

    Anytime, anywhere

    Send money on-the-go with our app.

    Transferring money to over 5 billion people

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    Ratings and Reviews

    easy to send money

    very easy to add recipient and UI looks simple, money delivered to recipient on-time

    Murali

    The Best Remittance Service provider

    The Best Remittance Service provider in the market. i have been using many ways to send money but Instarem is the best in providing the best rate and immediate remittance to the recipient.

    Muhammad Ashraf

    Great exchange rates

    I have been using instarem for more than a year and till now it has been a very smooth experience. I have observed that they offer more competitive rates than most of the other providers. Their customer service response has been prompt too.

    Hardeep Singh

    I am loving it....

    Simple and easy sign up process, my account got approved in few seconds and I was able to utilize the service right away. Thanks for providing a wonderful customer experience.

    BR

    The transfer is amazingly fast

    The transfer is amazingly fast. I received the money at my overseas account in just 5 minutes' time. I would recommend using Instarem's service.

    Agnes Law

    Best Rate & Lightning Fast Transfer

    Services improved since the days in 2019 when I started using. Nowadays it's instant received at the other end hassle free. Best FX rates among other online money transfer sites. Lowest fee of them all. Highly recommended!

    Howder Lee

    Easy, Secure and Flawless

    Though it is a new platform I felt it is flawless. Great intuitive user interface, quickly responding website and secured all through the transfer process. The transfer rate offered is better than the competitors. I'd use them every time from now.

    Karthik Ayyagari

    Very Happy Customer!

    This is my second transfer. It was very a easy process. I am very happy with Instarem's Service.

    Gita K

    All the above criteria deserve 5/5. Top notch experience. Super quick and hassle-free money transfer experience.

    Ankush Mehta

    First time transfer, the experience is good, the app is easy to use.The time took to transfer to malaysia was quite fast .Hope this efficient will maintain.will used this app again.Btw the exchange rate is quite good compare to market.

    Eng Seng Min

    Best Exchange Rates in Market. Very easy to transfer the money. Super Cool User Interface. No hidden charges.

    Raju

    Very easy to use Instarem for transfer money to overseas. Everything went good so far with Instarem.

    JF

    Instarem gives excellent remittance rates and the transfer is super-fast!! You can pay from your bank account or PayNow and the money can be credited in a few hours.

    Harry P

    Your money is safe with I.

    We are regulated by 9 financial regulators across the globe, so you can be sure we do everything by the book!

    Our compliance with the regulators relies heavily on the safety and security of your funds. That’s why we leave no stone unturned safeguarding your money and maintaining real-time fraud prevention measures for total peace of mind.

    Join the customers, small businesses and major banks who trust us to transfer their funds globally, amounting to billions of dollars’ annually.

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    Frequently asked questions

    What does Instarem do?

    We are a leading digital cross border payments company. Changing the complex nature of global payments, we exist to make money simpler for you. Whether you’re a consumer, a small or medium-sized enterprise or a financial institution, we simplify the way you spend, send and receive money worldwide. We were founded in 2014 in Singapore with licenses and offices in Singapore, Australia, Malaysia, Hong Kong, India, USA, Canada and across Europe.

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

    We are firm believers in fair and transparent overseas money transfers. Sending money abroad via banks and MTOs has been too expensive for too long. We disagree with the unfair margins applied to forex rates and the additional hidden fees that all too often creep in. We’re here to bring clarity to your money management.

    Our transparent platform offers cost-effective money transfers, anywhere, anytime, with competitive rates sourced directly from Reuters, and minimal mark-up applied. You’ll always get a full breakdown of every money transfer you make too.

    How do I create an account with Instarem?

    Account creation is simple. You just need to sign up with your email ID or Google / Facebook ID. Click here to create an account for simple, secure money management anywhere.

    How much does Instarem charge in fees?

    Our fees differ from countries and corridors of transfers with typical fees varying between 0% and 1%. The fees are subject to change and can be reviewed at any given time on our currency converter.

    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?

    We are a fully licensed service provider with licenses in Australia, Singapore, Hong Kong, Malaysia, India, UK, the US, the EU, and Canada. We operate a layer- and jargon-free policy, giving you total transparency and control over your money. Our rigorous verification processes also guarantee that your money is safe with us and reaches the right recipients fast.

    Browse FAQs by topic

    We top up your account with 75 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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