Instarem

Sub-brand

Instarem is a cross-border payments brand offering international money transfers for individuals and payment services for businesses.

Last updated September 25, 2026

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Overview

Instarem is a cross-border money transfer and payments brand. According to its About Us page, it began in APAC in 2014 with the aim of making international transfers easier and more affordable. The company describes its service proposition as “Money Simple,” emphasizing speed, affordability, transparent fees, and a straightforward transfer experience. The brand serves both individuals and businesses. Personal customers can send money internationally through its service and earn InstaPoints on qualifying activity. Its business offering supports international payments to overseas suppliers and employees, and the company says it serves payments across more than 60 countries. Instarem describes itself as a solution for small and medium-sized businesses seeking faster, lower-cost cross-border payments. Instarem says it is part of NIUM. Its US website states that Nium, Inc. is the fintech technology provider for Instarem services in the United States, while payment services there are provided by Community Federal Savings Bank. The website describes Instarem as licensed and regulated in 11 jurisdictions. Its published figures include more than one million customers and over US$6 billion moved annually; these are company-reported figures. The supplied evidence does not identify its headquarters, founders, or individual executives.

History

Instarem says it started in APAC in 2014, with the stated purpose of making international transfers easier and more affordable. The brand initially focused on moving money across borders for individuals. Its public description presents the service as a simpler alternative to traditional international transfers, highlighting speed, competitive foreign-exchange rates, upfront fees, and a digital experience. The company says it continued to innovate and expanded its services to businesses. Its current business proposition includes paying overseas suppliers and employees across more than 60 countries. Instarem describes itself as a solution for small and medium-sized businesses seeking reliable international payments at lower cost than traditional banking methods. Its US business page also promotes an international business account and emphasizes transparent rates and the absence of setup or subscription fees. Instarem's website identifies it as part of NIUM. For the United States, the company distinguishes the roles of its service providers: Nium, Inc. provides fintech technology for Instarem services, while Community Federal Savings Bank provides payment services. The website also states that Instarem is licensed and regulated in 11 jurisdictions, although the supplied material does not name them. The brand has developed customer-facing loyalty and referral features. Its InstaPoints programme awards points to individual users for qualifying transfers and referrals; points can be used for transfer discounts, and the site also describes redemption options including cashback and KrisFlyer miles. The programme page specifies eligibility conditions, including a minimum transfer amount for earning or redeeming points. Instarem's About Us page reports more than one million customers, support for over 60 locations, and more than US$6 billion moved annually. These are figures published by the company, rather than independently verified facts in the supplied evidence. The available sources do not establish the founders, headquarters, or named current executives.

2025
FinTech Australia finalist
2020
Mozo Experts Choice recognition
2018
Payments and blockchain-related recognition
2017
Recognition at India FinTech Awards
2014
Instarem says it began in APAC

Products and positioning

Positions itself as a straightforward, fast, affordable, and transparent alternative for international transfers and business cross-border payments.

Personal international transfers
A service for individuals to send money internationally, with fees and exchange rates varying by transfer details.
Business international payments
Business services for paying overseas suppliers and employees, with the company stating that payments can reach more than 60 countries.
InstaPoints
A loyalty programme for individual users that awards points for qualifying transfers and referrals; points can be redeemed for transfer discounts and other listed rewards.

Recent events

2021.04.06
Reported2021.04.06
Instarem announces new mobile app availability[5]Instarem宣布推出新的移动应用thepaypers.com
Instarem announced a new mobile application that would initially be available to users in Singapore, with international availability planned over the coming months.
2021.04.06
Reported2021.04.06
Instarem introduces new brand identity[5]Instarem宣布推出新的移动应用thepaypers.com
Instarem's rebrand involved a new brand identity, including a new logo and redesigned website.
2019.10.27
Reported2019.10.28
InstaReM rebrands as Nium[6]InstaReM更名为Niumconnectedtoindia.com
Payments fintech InstaReM announced that it had rebranded as Nium, while the InstaReM brand would remain as a remittance platform powered by Nium.

Sources9 sources

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