Planning a large money transfer?

You can send any amount with Instarem—whether it’s a small transfer or a high-value money transfer starting from 20,000 MYR and above. The max limit for Malaysia is 30,000 MYR.  

For smooth and secure high-value money transfers, Instarem may ask for:

• Your ID: A government-issued ID or passport.
• Recipient details: Their full name, bank account and bank info.
• Transfer purpose: Why you are sending (e.g., international payment for property purchase, family support, etc.).
• Source of funds: If needed, documents like bank statements, salary slips, or pension fund statement.

Providing the right details upfront helps speed up your large international transfer. If we need more info, we’ll reach out.

• Use a trusted provider: Instarem is licensed and regulated for secure transfers.
• Verify your identity: Completing your (KYC) verification helps prevent delays.
• Choose a secure payment method: For large international transfers, FPX ensures a fast and secure transfer.
• Double-check details: Avoid errors by ensuring your recipient’s name matches their bank account exactly—no short names or initials.
• Track it live: Stay updated in real time.

With Instarem, most large money transfers arrive within hours. But depending on the recipient’s country, bank processing times, and public holidays, it may take up to 1-2 business days or slightly longer in certain cases. 

• KYC (Know your customer) and AML (Anti-money laundering) checks: At Instarem, we follow strict verification processes to stay compliant and keep your transactions secure.
• Cross-border transfer limits: Some countries set limits or require declarations for large international transfers.
• Sanctions and restrictions: Transfers to certain countries or entities may be restricted.

For transfers above 20,000 MYR, extra documentation may be needed.

To avoid delays, verify your account and keep records of your transfer. If you have any concerns, we recommend you consult a financial expert or check with local authorities for specific legal requirements.

• Compare fees and rates: Use Instarem’s calculator to get competitive rates and transparent pricing.
• Avoid hidden costs: Instarem keeps fees low and upfront – no sneaky charges.

For high-value transfers, Instarem may request documents to verify your transaction purpose or source of funds. These could include:

• Bank statements
• Property sale agreements
• Pay slips

Having these ready can speed up your large international transfer.

Yes. Instarem offers special fees for large money transfers. Want the best deal? Chat with our team or check our Help Centre–we'll help find the most competitive fees for your large money transfer.

No worries! If you run into any issues with your large money transfer, our team is here to help. Just reach out to us via chat or Help Centre, and we’ll sort it out as quickly as possible.

• Buying property: Secure real estate overseas.
• Family support: Help loved ones with tuition fees, healthcare, or daily expenses.
• Education: Pay for tuition and living costs.
• Medical expenses: Cover treatment overseas.
• Relocation: Move funds when settling in a new country.
• Inheritance: Transfer large sums for estate settlements.