Exclusive Discounted rates
Instarem and Unifi Co. bring you the easy and rewarding way to send money overseas.
Sign up now and get exclusive rates on your transfers. T&C’s apply
Why send money with Instarem
Fast
Usually within 1-2 business days*
Low-cost
Competitive FX rates and low fees
Safe
Licensed and regulated in 11 countries
Transparent
All costs are upfront, no hidden charges
Rewarding
Earn rewards on every transaction
How to send money
from USA: 4 easy steps
Create and verify your account
Sign up for an account online or via our app. Upload proof of address in United States of America and your identification documents.
Add a recipient
Fill in your recipient’s information.
Enter amount to transfer
Choose the type of currency you want to send, input the amount, and select your preferred transfer method.
Note: Refer to our international money transfer limits guide for more information on the maximum amount you can transfer in a single transaction to your choice location.
Verify your international money transfer
Key in the verification code that is sent to your registered phone number or email. This helps us keep your money safe.
What our customers say
Hurry, Enjoy exclusive discounts on your transfers brought to you by Unifi and Instarem
Send money worldwide
Egypt 
Ghana 
Kenya 
Nigeria 
Uganda 
Australia 
Bangladesh 
China 
Hong Kong 
India 
Indonesia 
Japan 
Malaysia 
Nepal 
New Zealand 
Pakistan 
Philippines 
Singapore 
South Korea 
Sri Lanka 
Thailand 
Vietnam 
Europe 
Austria 
Belgium 
Bulgaria 
Croatia 
Cyprus 
Czech Republic 
Denmark 
Estonia 
Finland 
France 
Germany 
Greece 
Hungary 
Iceland 
Ireland 
Italy 
Latvia 
Lithuania 
Luxembourg 
Malta 
Monaco 
Netherlands 
Norway 
Poland 
Portugal 
Romania 
San Marino 
Slovakia 
Slovenia 
Spain 
Sweden 
Switzerland 
Turkey 
United Kingdom 
Argentina 
Brazil 
Canada 
Chile 
Colombia 
Dominican Republic 
Guatemala 
Mexico 
Peru 
Uruguay If you cannot find the location you would like to send to, it means we currently do not support transfers to that destination, but we are working on it! Do come back and check again as we are continuously updating our services.
FAQs
Why should I link my account to Instarem?
You can enjoy simpler payments when you link your bank account to your Instarem Singapore account. This payment method is:
- Hassle-Free: It's a one-time setup.
- Convenient: No need to leave the Instarem app to pay for your transfers.
- Faster: Instarem will debit funds from your linked account directly and process your transfer quickly.
- Secure: You'll continue to authorise every transfer before proceeding.
Why are the rates at Instarem so different than banks and other operators?
At Instarem, we transfer money at low cost. Our competitive rates are sourced from Reuters. Unlike banks and other operators, we add only minimal markup to the rates and do not have any hidden charges.
To which countries can you send money using Instarem?
You can send money to over 60+ countries with Instarem. For a complete list of receiving countries, click here.
How long does it take Instarem to process my transaction?
It usually takes us up to 2 business days to process a transaction from the time we receive the funds from you. However, it could take us more than 2 business days to process a transaction for certain countries and payment methods.
How long does Instarem take to complete an interac e-transfer?
Once you transfer the funds, the transaction will be completed between 15 minutes and 24 hours.
When will my recipient receive the payment?
Recipients In China
Once the transaction has been processed by Instarem, Money Express-enabled recipients will receive the payments in real time. The customer will be informed that the beneficiary is enabled for real-time payment while adding the beneficiary card number.
For Recipients In Other Countries
Once the transaction has been processed by Instarem, it depends on the processing time of the receiving bank.
I have been asked for additional documents even after my kyc, why?
As a regulated financial service provider, we work to ensure that we are fully compliant with our regulatory requirements. This includes additional reviews of our customers’ details and transactional activity. Such reviews sometimes require us to request additional documents from you. Kindly be assured that any information you share with us is protected by our data privacy policy and is safe with us.
From which countries can you send money using Instarem?
With Instarem, you can send money from Australia, Canada, Singapore, Hong Kong, Malaysia, Euro Zone Countries, UK, India and the US.
Is Instarem a licensed service provider?
Instarem is the trading name of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pte Ltd is regulated by the Monetary Authority of * * Singapore as a Major Payment Institution under License No. PS20200276.
Australia: Instarem is the trading name of NIUM Pty Ltd, a subsidiary of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pty Ltd is a registered Remittance Provider with AUSTRAC and holds AFS License No. 464627 and is regulated by ASIC.
Canada: Instarem is the trading name of NIUM Canada Corporation, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Canada Corporation with License No. M15569293 is regulated by the Financial Transactions & Reports Analysis Centre of Canada
Hong Kong: Instarem is the trading name of NIUM Limited, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Limited is regulated by the Hong Kong Customs and Excise Department with MSO License No. 16-010-01797.
India: Instarem is the trading name of NIUM India Pvt. Ltd., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM India Pvt. Ltd. operates in association with SBM Bank and is regulated by the Reserve Bank of India vide its approval dated 24th April 2020.
Indonesia: Instarem is the trading name of PT NIUM Mitra Indonesia, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. PT NIUM Mitra Indonesia, with License No: 21/261/Jkt/1 as a Fund Transfer Operator, is regulated by the Bank Indonesia.
Japan: Instarem is the trading name of NIUM Japan Kabushiki Kaisha, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Japan Kabushiki Kaisha holds Registration No: 00073 with Kanto Local Finance Bureau and is a Type 2 Funds Transfer Services Provider under the Payment Services Act (Act No. 59).
Lithuania: Instarem is the trading name of UAB NIUM EU, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. UAB NIUM EU with License No. 14 is regulated by Lietuvos Banks (Bank of Lithuania).
Malaysia: Instarem is the trading name of NIUM SDN. BHD., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM SDN. BHD. with Registration No. 201701000367 (1214517-X) is regulated in Malaysia by the Central Bank of Malaysia under License Number: 00222.
Singapore: Instarem is the trading name of NIUM Pte Ltd, the parent company of NIUM subsidiaries globally. NIUM Pte Ltd is regulated by the Monetary Authority of Singapore as a Major Payment Institution under License No. PS20200276.
United States of America: Instarem is the trading name of NIUM Inc., a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. NIUM Inc. operates in the United States under a program sponsored by Community Federal Savings Bank to which NIUM is a service provider (NMLS ID No. 1528562).
UK: Instarem is the trading name of Nium Fintech Limited, a subsidiary of NIUM Pte Ltd, which is the parent company of NIUM subsidiaries globally. Nium Fintech Limited with Reference number 901024 is regulated by the Financial Conduct Authority as an Authorised Electronic Money Institution (EMI) provider and is licensed to issue electronic money (e-money) and provide payment services
