Instarem
Instarem provides international money transfers for individuals and cross-border payments for businesses.
What Instarem is
Instarem provides international money transfers for individuals and cross-border payments for businesses. Personal users can send money to more than 60 countries and track transfers in real time, with upfront fee display. Charges vary according to amount, currency, payment method, and destination and receiving method. Transfers are generally processed instantly or the same day after funds arrive, though they can take up to two business days depending on destination and payment method. The service is available on Android, iOS, and the web; its app includes Quick Send for frequent recipients and support by query or live chat. Business customers can pay overseas suppliers or employees in more than 160 countries, and eligible markets can upload Excel details for as many as 1,000 transactions at once. Business accounts also offer virtual cards with spending limits and real-time expense tracking. Instarem says it is licensed and regulated in 11 jurisdictions and uses encryption and security controls. Registration is free, but transfer fees apply; there is no free trial.
Good
- Personal transfers cover more than 60 countries.
- Transfer tracking is available in real time.
- Fees are displayed upfront.
- Bulk uploads can process up to 1,000 transactions.
- Virtual cards include spending limits.
Watch out
- Transfer fees vary by amount and destination.
- Transfers can take up to two business days.
- Bulk payment availability is limited to listed markets.
- Business Receive requires application and approval.
Who it suits
Instarem may suit individuals sending money internationally and businesses making cross-border supplier or employee payments. Businesses needing bulk transfers or virtual cards can also consider its listed tools, subject to market availability.
Verdict
Instarem covers personal transfers and several business payment needs, with mobile tracking and bulk payment options in specified markets. Check applicable fees, transfer limits, and timing for the countries and payment methods involved.
Plans and prices
From Instarem's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Instarem Business | Free | No setup or subscription fee · transaction fees apply |
| Instarem Personal | Free | Free account registration · transfer fees vary by amount, destination, and payment method |
The facts
Each one read from Instarem's own pages, with the date it was checked.
What it does
- Bulk payments
- Businesses can upload payment and recipient details in an Excel file to process up to 1,000 transactions in one go; availability is listed for Singapore, Australia, Hong Kong, Malaysia, Indonesia, the US, the UK, and Europe.checked 9 Oct 2026
- Business cards
- The business account offers virtual cards with spending limits and real-time expense tracking from a dashboard.checked 9 Oct 2026
- Business collections
- The business Receive service supports USD, AUD, SGD, HKD, JPY, NZD, EUR, and GBP, and requires application and approval.checked 9 Oct 2026
- Business payments
- Businesses can pay overseas suppliers or employees across more than 160 countries.checked 9 Oct 2026
- Exchange-rate model
- markupchecked 22 Sep 2026
- Fees
- Personal transfer fees vary by sending amount, currency, payment method, and receiving country and method.checked 9 Oct 2026
- Mobile features
- The mobile app supports real-time transfer tracking, Quick Send for frequent recipients, and customer support by query or live chat.checked 9 Oct 2026
- Personal transfers
- Personal users can send money to more than 60 countries and track transfers in real time.checked 9 Oct 2026
- Purpose
- Instarem provides international money transfers for individuals and cross-border payments for businesses.checked 9 Oct 2026
- Regulation
- Instarem states that it is licensed and regulated in 11 jurisdictions.checked 9 Oct 2026
- Rewards
- Eligible Instarem transactions earn InstaPoints that users can accumulate and redeem for rewards.checked 9 Oct 2026
- Scheduled transfers
- Yeschecked 22 Sep 2026
- Security
- Instarem says it uses encryption in transit and at rest, regular vulnerability assessments, external penetration tests, and AWS Cloud security controls.checked 9 Oct 2026
- Support
- Personal app users can submit a support query or start a live chat through the Help Centre.checked 9 Oct 2026
- Transfer limits
- Transfer limits depend on the sending and receiving countries, and users can check the applicable limit in the app.checked 9 Oct 2026
- Transfer speed
- instantchecked 22 Sep 2026
- Transfer timing
- Transfers are typically processed instantly or the same day, but may take up to two business days after funds are received depending on destination and payment method.checked 9 Oct 2026
- Transfer tracking
- Yeschecked 22 Sep 2026
- Upfront fee display
- Yeschecked 22 Sep 2026
The company
- Founded
- 2014checked 28 Sep 2026
- Headquarters
- Singaporechecked 28 Sep 2026
Money
- Free plan
- Nochecked 22 Sep 2026
Where it runs
- Mobile platforms
- bothchecked 22 Sep 2026
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