Instarem: Send money overseas

11K reviews
Content rating
Rated for 3+
500K+
Downloads
Content rating
Rated for 3+
Learn more
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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/
Send money abroad easily at great exchange rates | Fast & secure money transfer
Updated on
Sep 22, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Personal info, Messages and 2 others
  • This app may collect these data types
    Location, Personal info and 8 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

11K reviews
Janaka Rathnayaka
December 29, 2025
I have been waiting for more than one week to activate my account. The customer onboarding team keeps requesting additional information day by day, and after each submission, it takes several more days just to review it. This is a very poor onboarding experience. If more information is required, it should be requested all at once instead of in multiple rounds. This process is extremely slow and inconvenient for customers.
Did you find this helpful?
Nium Pte Ltd.
December 31, 2025
Dear Janaka, We sincerely regret the experience you encountered. We value customer feedback immensely. Our objective is to develop the highest quality product tailored to your needs, incorporating your ideas and suggestions. We have contacted you with an update concerning your inquiry at the email address you provided during registration.
Sofia Marie
April 30, 2024
This app is misleading! They put some sort of information and even giving a recommendation to use e-wallets to transfer money. They didn't even mentioned that it varies per country. I tried to transfer money to my e-wallet from the PH but right after my money got deducted from my bank account, they initiated a refund right away and now they are giving us a hard time getting our money back and the customer service was so disrepectful.
Did you find this helpful?
Nium Pte Ltd.
May 27, 2024
Dear Sofia We deeply apologize for the experience you had. We take customer feedback seriously.Our goal is to create the best possible product for you, and your ideas and suggestions,We have reached out to you regarding an update to your inquiry on your registered email address.
John-Michael Lewis
August 7, 2026
Currently Instarem provides a better exchange rate than Wise and so I will continue to use them as long as this remains true. Transfer times are very similar to Wise. I also like the points system which rewards you for doing transfers which can be deducted from future transfers. Finally their customer service was very responsive and helpful.
1 person found this review helpful
Did you find this helpful?
Nium Pte Ltd.
August 7, 2026
Thank you for updating your review and sharing your experience! We're delighted to hear you're enjoying our competitive exchange rates, rewards program, and happy with you experience with our Customer Experience team. Your feedback means a lot to us. We truly appreciate your trust and look forward to supporting your future transfers!

What’s new

• Bug fixes and performance improvements.