Instarem

Web · Android · iPhone

Freedom report

Three barsScore 7.8

Free tierA free tier is on its own pricing page
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Instarem is ranked #7 of 82 in money transfer apps on Freedom251, made by Instarem (Singapore). It runs on Android, iOS, Web. There is a free plan.

Instarem plans and pricing

All plans

Instarem Business Free No setup or subscription fee · transaction fees apply instarem.com · 9 Oct 2026

Instarem Personal Free Free account registration · transfer fees vary by amount, destination, and payment method instarem.com · 9 Oct 2026

Compared on money transfer apps

Free plan: No
Transfer speed: instant
Exchange-rate model: markup
Mobile platforms: both
Upfront fee display: Yes
Transfer tracking: Yes
Scheduled transfers: Yes

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The record

Purpose: Instarem provides international money transfers for individuals and cross-border payments for businesses.
Personal transfers: Personal users can send money to more than 60 countries and track transfers in real time.
Fees: Personal transfer fees vary by sending amount, currency, payment method, and receiving country and method.
Business payments: Businesses can pay overseas suppliers or employees across more than 160 countries.
Business collections: The business Receive service supports USD, AUD, SGD, HKD, JPY, NZD, EUR, and GBP, and requires application and approval.
Business cards: The business account offers virtual cards with spending limits and real-time expense tracking from a dashboard.
Mobile features: The mobile app supports real-time transfer tracking, Quick Send for frequent recipients, and customer support by query or live chat.
Rewards: Eligible Instarem transactions earn InstaPoints that users can accumulate and redeem for rewards.
Security: Instarem says it uses encryption in transit and at rest, regular vulnerability assessments, external penetration tests, and AWS Cloud security controls.
Regulation: Instarem states that it is licensed and regulated in 11 jurisdictions.
Support: Personal app users can submit a support query or start a live chat through the Help Centre.
Transfer timing: Transfers are typically processed instantly or the same day, but may take up to two business days after funds are received depending on destination and payment method.
Transfer limits: Transfer limits depend on the sending and receiving countries, and users can check the applicable limit in the app.
Founded: 2014
Price from: Free

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#7 of 82

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Sources

instarem.com/about-us/· checked 9 Oct 2026
instarem.com/en-sg/· checked 9 Oct 2026
instarem.com/fees/· checked 9 Oct 2026
instarem.com/en-sg/business/· checked 9 Oct 2026
instarem.com/en-sg/business/receive/· checked 9 Oct 2026
instarem.com/money-transfer-app/· checked 9 Oct 2026
instarem.com/help-personal/security/· checked 9 Oct 2026
instarem.com· checked 28 Sept 2026
instarem.com/help-business/faqs-sme/business-account· checked 9 Oct 2026