Instarem: Send money overseas

Nium Pte Ltd.

About this app

Join over 1 million customers who trust Instarem for fast, secure, and low-cost international money transfers. Founded in 2014 and part of fintech unicorn Nium, Instarem makes sending money overseas simple, affordable, and reliable.

Whether you're supporting your family, paying international vendors, or sending money back home, Instarem is the best app for international money transfers. With competitive foreign exchange rates, low fees, and instant remittance, your cross-border payments are always in good hands.

💰Try us with a special first-time offer

Enjoy an exclusive welcome offer on your first money transfer—whether it’s zero fees, better rates, or both. Sign up to see what’s waiting for you.

🌎✨ Why choose Instarem?

➢ Fast & secure money transfers
Send money globally in minutes, with bank-grade security and real-time tracking.

➢ Low-cost remittance
Get better-than-bank foreign exchange rates and low, transparent fees—no hidden charges.

➢ Trusted global remittance app
Licensed and regulated in 11 jurisdictions for safe, reliable remittance.

Top features of the Instarem money transfer app:

➢Send money internationally to over 60 countries
➢Currency conversion rates with real-time FX rate checker
➢Rate alerts to track your preferred exchange rate
➢Rewards program that gives you rewards on every transfer, referral, and sign-up—redeemable for discounts or air miles

🔒 Safe & transparent remittance
➢ Regulated in 11 jurisdictions
➢ No hidden fees—just clear, upfront pricing unlike banks or traditional remittance services

Send from:
SGD, USD, AUD, EUR, MYR, JPY, HKD, GBP, CAD, INR

Send to:
INR, PHP, GHS, CNY, AUD, KES, GBP, LKR, THB, EUR, DOP, VND, COP, CAD, CLP, NGN, USD, PKR, ARS, KRW, MXN, NPR, NZD, PEN, BDT, BRL, GTQ, HKD, MYR, IDR, UYU, UGX, TRY, SGD and more

🧳 Flexible ways to pay and receive money

Choose from a wide range of payment and payout options tailored to your convenience.

➢ Payment methods: Bank Transfer, ACH/Direct Debit, Credit Card, Debit Card, FPX Transfer, INTERAC e-Transfer, Linked bank account, PayID Transfer, PayNow, Wire Transfer

➢ Payout methods:
Bank Deposit, Cash pickup, Bank Card, DuitNow, Pix, UPI, Debit Card, Alipay Wallet, E-Wallet.

Note-methods vary by country.

🏆Award-winning service

➢ Best Value International Money Transfer Provider – Mozo Experts Choice (Australia, 2021 & 2020)
➢ Blockchain Innovator Award – Swell by Ripple (2019)
➢ Excellence in Payments – Fintech Australia (2018)

🙌 Get started in 3 easy steps:

1. Download the Instarem app – it’s free
2. Sign up with your email or Google account
3. Verify your details and start sending money abroad

📌 Need help?

Chat with us 24/7 via the Help Center in the app or visit www.instarem.com

Stay connected:
Facebook: www.facebook.com/GetInstarem/
Instagram: www.instagram.com/instarem/
LinkedIn: www.linkedin.com/company/instarem/
Twitter: www.twitter.com/getinstarem/

Ratings and reviews

The name is an oxymoron. I made a transfer via debit card. I was debited the same day. Transfer is past the window it was supposed to come. Because it's been debited, they won't let me cancel it, despite it being late. I tried to open the chat, but it never opens when clicking the button! Now I'm left wondering when, if ever, my transfer will go through and how I could even ask a question to support as they've, in effect, blocked me from doing so.

Problematic from the beginning. Waited forever to get verified while they asked for information about my son. I do not have a son. Eventually, I was able to make a few small transactions which took successively longer each time. Asked to upload documents on 4th transaction, which I did promptly. After that nothing happened and when I followed up about the status of the transaction, they locked my account without any explanation or communication. I have opened a ticket.

The app while easy to use is clunky and not fully reliable. Example: it will tell you it has sent you an OTP which is valid only for 30 secs but the OTP comes in 10 mins later. Also, had issues with remittance when funds sent didn't arrive until 10 days later and it took multiple phone calls to get it resolved. They do give a higher exchange rate than Xoom though.

What’s new

1. New InstaPoints redemption options [SG]. Redeeming your InstaPoints just got more exciting! Explore new ways to use your points and get more out of every transaction.
2. Withdraw funds from your wallet [SG]. You asked, we listened! You can now transfer funds from your amaze wallet directly into your bank account, giving you more control and flexibility.
3. Redeem Instapoints for transaction fees in a single click.

Update now to enjoy these new features and improvements! 🚀