Instarem 4+

Simplifying money and payments

Instarem India Private Limited

    • 3.9 • 172 Ratings
    • Free



Sending money around the world just got a whole lot simpler with your Instarem app.

We provide a fast, convenient, and cost-effective way to transfer money across the globe compared to traditional money transfer methods. With our great FX rates, low fees and no hidden charges, we make sending and receiving money from overseas a breeze.

Get started in 3 simple steps:
• Register
• Add payee
• Set up a transfer


- Send money on-the-go 24/7, to 55+ countries across the world

- Easy sign up and log in

- Great FX rates

- Low Transfer Fees

- No Hidden Charges

- Multiple payment and pay-out options including card, bank, and cash.
- Track your transfers on the go

- Typically same day or next business day international money transfers

- View your transaction history, update your payee list and payment methods

- Enhanced security and information protection


- Exclusive promotions and discounts

- First Transfer Bonus

- Referral Bonus

- Prompt & friendly Customer Service teams

Our Customer service is available via live chat and emails. For any queries, kindly visit and chat to Adam, or write to us at

Regulating Authorities

We’re regulated by leading financial regulators across the globe. You can be sure we do everything by the book!

-Australia: NIUM PTY Limited (formerly known as Instarem PTY Ltd) is regulated in Australia by ASIC (AFS License No. 464627)

-Canada: NIUM Canada Corporation (formerly known as Instarem Canada Corporation) (License No. M15669293) is regulated by the Financial Transactions and Reports Analysis Centre of Canada

-Hong Kong: NIUM LIMITED (formerly known as Instarem LIMITED) (License No. 16/01/01797) is regulated by the Hong Kong Customs and Excise Department

-India: NIUM India Pvt. Ltd. (formerly known as Instarem India Pvt. Ltd.) operates in association with SBM Bank and is regulated by the Reserve Bank of India, vide its approval letter Number. SBM/Mum/RP/009​
-Indonesia: PT Instarem Mitra Indonesia (License No. 21/261/Jkt/1) is regulated by Bank Indonesia.

-Japan: Nium Japan Kabushiki Kaisha (formerly known as Instarem Japan Kabushiki Kaisha) (registration no: Kanto Local Finance Bureau no. 00073) is a Funds Transfer Services Provider registered with the Prime Minister under the Payment Services Act (Act No. 59 of June 24, 2009).

-Lithuania: UAB NIUM EU (formerly known as UAB Instarem EU) (License No. 14) is regulated by Lietuvos Bankas (Bank of Lithuania)
-Malaysia: NIUM SDN. BHD. (formerly known as Instarem Malaysia Sdn. Bhd.) Registration No. 201701000367 (1214517-X) is regulated in Malaysia by Central Bank of Malaysia under MY License Serial Number 00222.
- Singapore: NIUM Pte. Ltd. (formerly known as Instarem Pte. Limited) is regulated by the Monetary Authority of Singapore as a major payment institution under License No. PS20200276.
- United States of America: NIUM, Inc. (formerly known as Instarem USA Corporation), 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: NIUM FINTECH LIMITED (formerly known as Instarem Limited), 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.

What’s New

Version 3.8.9

- Enhancement to Help centre feature to include permission page, resolve spacing issues and validation fixes.
- We removed 'Name on Card' in the add card experience, so you may transact with cards hassle-free.
- Launching integration with data analytics platform called Amplitude to get insights on user behaviour.
- Check your fees hassle-free on the app.

Ratings and Reviews

3.9 out of 5
172 Ratings

172 Ratings

mvbhaktha ,


I have been using InstaReM for couple of months. Their service is too good and very low transaction charges, lowest by far as per my knowledge. All my payments to beneficiary has been promptly made and on time. Customer care is also very responsive and helpful either on email or on phone. I recommend all those whose relatives/kins staying out (especially students) of their homeland should use InstaRem.
In a nutshell InstaRem is convenient reliable fast and punctual.
Appreciate the team who make it possible.

Gaming vision ,

Horrible customer support and grievance handling

The team at InstaReM seems to be extremely incompetent. I tried transferring money to Australia from India, the money was transferred within 24 hours of initiating the transaction from my end. InstaReM still went ahead and cancelled my transaction. This was done on Feb 1st and it’s 10th today. Despite giving them all the proofs and statement etc, they have eaten up my money, not transferred it to the beneficiary and have not returned it to me either. They have stopped responding to me emails, their customer care number is always not reachable. They are so dumb, they’ve written me an email stating that I need to initiate the transfer again and not transfer any funds and give them the reference number. I feel it’s a joke to even say this to someone.

I am completely cheated, they are fraud. They have not replied to 3 of my last emails sent to them. I wish I could attach a screenshot here. They are cheats.

Developer Response ,

Hi Gaming Vision. Please accept our sincere apology for the trouble caused. We do understand your frustration as such issue should not have occurred in the first place. As we are not able to see your contact information here, and if you cannot get in touch with us via email or call, kindly initiate a chat on or website and an agent will be able to assist you.

Ashish718827 ,

Opaque procedure. Not reliable

I transferred my education fee on 4th march. When I transferred them the amount the money Euro was at 81. I transferred them 7200euros worth of Inr. 2 days later on 6th march they refunded my money citing their “internal policy” which they can’t reveal. Apparently they remember this policy after 2 days of payment. Euro jumped from 81 to 84 on 6th feb. Now there are only two reasons why they cancelled my transactions : case 1 : they bought euros on the first day and then profitted whopping 21k INR by returning me the money at older rates. Case 2 : they didn’t bought Euros at that time and now it will cost them extra to do the same transaction.
Either case they are “not reliable”. I advise you to stick with western Union or your banks. Their customer support is like you are talking to robot citing “undisclosed internal policy” to carry out whatever they want. I am never going to use it. And I advise you too to not use it. Have a nice day.

Developer Response ,

Hi Ashish, We apologize for the experience you had using InstaReM. Please share your registered ID and contact details and we will look into this on priority.

App Privacy

The developer, Instarem India Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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