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Instarem
Instarem · Singapore · founded 2014
What it is
Instarem provides international money transfers for individuals and cross-border payments for businesses. Personal users can send money to more than 60 countries, see fees upfront, and track transfers in real time. Fees vary by amount, currency, payment method, and destination and receiving method. Transfers are typically processed instantly or the same day after funds arrive, but can take up to two business days depending on destination and payment method. The service is available on Android, iOS, and the web; the mobile app includes Quick Send for frequent recipients and support by query or live chat. Businesses can pay overseas suppliers or employees in more than 160 countries. In listed markets, businesses can upload Excel details to process up to 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, security assessments, external penetration tests, and AWS cloud controls. Account registration is free, but transfer fees apply; there is no free trial.
For and against
For
- Personal transfers reach more than 60 countries
- Businesses can pay recipients in more than 160 countries
- Fees are displayed upfront
- Transfers can be tracked in real time
- Available on Android, iOS, and web
Against
- Transfer fees vary by transaction details
- Transfers can take up to two business days
- No free trial
The verdict
Instarem combines personal international transfers with business payment options, including bulk payments and virtual cards. Transfer timing and fees vary, so users should check the details that apply to their destination and payment method.
Who it suits
Instarem may suit individuals sending money internationally and businesses paying overseas suppliers or employees. Its app and web access may be useful to customers who want transfer tracking and, for eligible businesses, bulk payment tools.
Plans and prices
Instarem Business
No setup or subscription fee · transaction fees apply
Read 9 Oct 2026 · instarem.com
Instarem Personal
Free account registration · transfer fees vary by amount, destination, and payment method
Read 9 Oct 2026 · instarem.com
On the record
- 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.instarem.com · read 9 Oct 2026
- Business cards
- The business account offers virtual cards with spending limits and real-time expense tracking from a dashboard.instarem.com · read 9 Oct 2026
- Business collections
- The business Receive service supports USD, AUD, SGD, HKD, JPY, NZD, EUR, and GBP, and requires application and approval.instarem.com · read 9 Oct 2026
- Business payments
- Businesses can pay overseas suppliers or employees across more than 160 countries.instarem.com · read 9 Oct 2026
- Exchange-rate model
- markupinstarem.com · read 22 Sep 2026
- Fees
- Personal transfer fees vary by sending amount, currency, payment method, and receiving country and method.instarem.com · read 9 Oct 2026
- Upfront fee display
- Yesinstarem.com · read 22 Sep 2026
- Mobile features
- The mobile app supports real-time transfer tracking, Quick Send for frequent recipients, and customer support by query or live chat.instarem.com · read 9 Oct 2026
- Mobile platforms
- bothinstarem.com · read 22 Sep 2026
- Personal transfers
- Personal users can send money to more than 60 countries and track transfers in real time.instarem.com · read 9 Oct 2026
- Purpose
- Instarem provides international money transfers for individuals and cross-border payments for businesses.instarem.com · read 9 Oct 2026
- Regulation
- Instarem states that it is licensed and regulated in 11 jurisdictions.instarem.com · read 9 Oct 2026
- Rewards
- Eligible Instarem transactions earn InstaPoints that users can accumulate and redeem for rewards.instarem.com · read 9 Oct 2026
- Scheduled transfers
- Yesinstarem.com · read 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.instarem.com · read 9 Oct 2026
- Support
- Personal app users can submit a support query or start a live chat through the Help Centre.instarem.com · read 9 Oct 2026
- Transfer limits
- Transfer limits depend on the sending and receiving countries, and users can check the applicable limit in the app.instarem.com · read 9 Oct 2026
- Transfer speed
- instantinstarem.com · read 22 Sep 2026
