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 3.0.1

• We have refreshed our look and logo, for all geographies.

• Singapore is getting an upgraded app. Don’t worry, we will be rolling it out to all regions in no time!

 This upgrade includes:

⁃ Better navigation, so you get things done faster, with minimal clicks.

⁃ Message centre to keep you in the know with the latest news and promos.

⁃ Quick Send functionality to send money faster, to your ‘favourite’ beneficiaries – yes, the ones you send money most frequently to.

⁃ Quick access to your recent transfers - they are now right there on your dashboard.

⁃ Dark Mode theme. (Don’t worry you can always switch the light back on – the choice is yours!)

⁃ amaze card registry – secure your card to be ready for the next generation in card technology!

Stay tuned for more updates from us soon, as we continue to innovate with exciting new features to simplify your finances. Watch this space.

Ratings and Reviews

2.8 out of 5
159 Ratings

159 Ratings

Kulbhushan Rajput ,

App launch issue

I love this app, design is nice and easy. Also always get better price in comparison of other money transfer platforms.
I would like to highlight app launch issue, whenever I launch app first time I see dashboard for a second then screen get blanked completely. So again I need to launch app after killing the app and then it works fine.
I am running app on iOS 14 with iPhone 12 Pro. Hope it would help in troubleshooting.

Developer Response ,

Hi Kulbhushan, We are very grateful for your valuable feedback. Please try to re-install the application once. If the issue still persists, please send us the screenshot at for investigation.

Slamfu867$& ,

Don’t trust in them, don’t even try

I have been trying to contact the customer service to find out where is my money as I started a transaction one week ago, first they asked me to send proof that I sent the money, they deducted the money directly from my bank so this shouldn't be a step but I sent the info, then after 4 days they reply saying they got the funds and sent them to the destination bank, it has been 25 hours since they funds were "sent" and we haven't got the money, if you want a good service and a good company to use and send money go with Xoom or Remitly, Instarem is the worst one ever, I have been using them for about a year and every transaction they had a new problem, I continued using them because they paid more money than other ones, but I won't use them anymore after this issue.

They keep saying the money was sent to bank and will be there in two business days, that didn’t happened and no one is able to tell me where is the money


Developer Response ,

Dear Customer, We apologize for the experience you had using InstaReM. Please share your registered email ID and contact details and we will look into this on priority. As you know InstaReM is a regulated service provider and every transaction is reviewed for smooth processing.

Arunnnnn ,

Nonsense app

This is absolutely nonsense. First of all they take all the recipient details including account number, address and all other irrelevant information. After providing everything spending an hour on it, they ask for ur Id proofs. They have made me wait for almost 4 days just to give a pending verification status. They are not able to verify my address from my driving license? In spite of that I have provided my utility bill also because they ask for it. Now still the status is asking me to provide the utility bill. Is the team unable to find my name and address in the utility bill and the driving license I provided ? Or Am I expected to highlight my name and address with colors in it ? Such a slow service. Totally annoying.

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, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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