Instarem review
4.00 Kredly scoreRead our Instarem review to understand their international money transfer fees, exchange rates, transfer speeds, and customer service quality. Verify if Instarem is right for your needs.
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Pros
- Fast and often instant transfer speeds
- Competitive exchange rates with low to zero fees
- User-friendly mobile app and website for easy transfers
- Loyalty program (InstaPoints) that rewards every transaction
- Licensed and regulated across multiple countries
- ensuring security
Cons
- Initial account verification process can be time-consuming
- Customer service can be hard to reach or unhelpful if issues arise
- Some users report discrepancies between displayed and received amounts
About Instarem
Looking for a reliable and efficient way to send money overseas from the Netherlands? Instarem offers a compelling solution for international money transfers, making every Euro count. With a strong focus on competitive exchange rates and minimal fees, Instarem is designed to maximize the amount your recipient receives. As of 2026, they boast a 4.0-star TrustScore from nearly 9,000 reviews, highlighting a generally positive user experience.
Instarem prides itself on its “Money Simple” approach, promising fast, low-cost, and secure transfers. Users frequently praise the service for its speed, with many transactions being instant or completed within hours. They support transfers to over 60 countries across Asia-Pacific, Europe, America, and Africa, offering extensive coverage for your remittance needs. Payment methods typically include debit cards, with many transfers incurring 0 EUR in fees, especially when utilizing promotional offers like the EUR 5 off for first transfers over EUR 500. Instarem is upfront with all costs, ensuring transparency without hidden charges.
Beyond just sending money, Instarem offers a rewarding experience. Every transaction earns you InstaPoints, their loyalty reward currency, which can provide even sweeter deals on future transfers. The platform is accessible via a user-friendly app and web interface, complete with features like real-time tracking and rate alerts to help you secure the best exchange rates. While most reviews highlight the speed and ease of use, some users have noted challenges with initial verification and occasional communication issues with customer support, emphasizing the importance of a smooth initial setup for a hassle-free experience.
Instarem offers we're tracking now
| Destination | Fee | Markup | Speed | Recipient gets |
|---|---|---|---|---|
| 🇦🇩 Andorra | $0.00 | 0.14% | Not stated | €860.60 |
| 🇦🇷 Argentina | $0.00 | 0.21% | Not stated | ARS 1,506,237.20 |
| 🇦🇺 Australia | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇦🇹 Austria | $0.00 | 0.14% | Not stated | €860.60 |
| 🇧🇩 Bangladesh | $0.00 | 0.36% | Not stated | BDT 122,915.30 |
| 🇧🇪 Belgium | $0.00 | 0.14% | Not stated | €860.60 |
| 🇧🇷 Brazil | $0.00 | 0.05% | Not stated | R$5,118.70 |
| 🇨🇦 Canada | $0.00 | 0.08% | Not stated | CA$1,384.80 |
| 🇨🇱 Chile | $0.00 | 0.34% | Not stated | CLP 938,780 |
| 🇨🇳 China | $0.00 | 0.15% | Not stated | CN¥6,697.90 |
| 🇨🇽 Christmas Island | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇨🇨 Cocos [Keeling] Islands | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇨🇴 Colombia | $0.00 | 0.71% | Not stated | COP 3,069,806.2 |
| 🇨🇰 Cook Islands | $0.00 | 0.27% | Not stated | NZ$1,715.40 |
| 🇨🇾 Cyprus | $0.00 | 0.14% | Not stated | €860.60 |
| 🇩🇴 Dominican Republic | $0.00 | 0.47% | Not stated | DOP 58,871.60 |
| 🇪🇪 Estonia | $0.00 | 0.14% | Not stated | €860.60 |
| 🇫🇮 Finland | $0.00 | 0.14% | Not stated | €860.60 |
| 🇫🇷 France | $0.00 | 0.14% | Not stated | €860.60 |
| 🇬🇫 French Guiana | $0.00 | 0.14% | Not stated | €860.60 |
| 🇹🇫 French Southern Territories | $0.00 | 0.14% | Not stated | €860.60 |
| 🇩🇪 Germany | $0.00 | 0.14% | Not stated | €860.60 |
| 🇬🇭 Ghana | $0.00 | 0.02% | Not stated | GHS 11,442.80 |
| 🇬🇷 Greece | $0.00 | 0.14% | Not stated | €860.60 |
| 🇬🇵 Guadeloupe | $0.00 | 0.14% | Not stated | €860.60 |
| 🇬🇹 Guatemala | $0.00 | 0.21% | Not stated | GTQ 7,616.60 |
| 🇬🇬 Guernsey | $0.00 | 0.09% | Not stated | £738.50 |
| 🇭🇲 Heard Island and McDonald Islands | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇭🇰 Hong Kong | $0.00 | 0.18% | Not stated | HK$7,830.40 |
| 🇮🇳 India | $0.00 | 0.2% | Not stated | ₹95,406.70 |
| 🇮🇩 Indonesia | $0.00 | 0.36% | Not stated | IDR 17,544,580 |
| 🇮🇪 Ireland | $0.00 | 0.14% | Not stated | €860.60 |
| 🇮🇲 Isle of Man | $0.00 | 0.09% | Not stated | £738.50 |
| 🇮🇹 Italy | $0.00 | 0.14% | Not stated | €860.60 |
| 🇯🇪 Jersey | $0.00 | 0.09% | Not stated | £738.50 |
| 🇰🇪 Kenya | $0.00 | 0.3% | Not stated | KES 129,106.00 |
| 🇰🇮 Kiribati | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇽🇰 Kosovo | $0.00 | 0.14% | Not stated | €860.60 |
| 🇱🇻 Latvia | $0.00 | 0.14% | Not stated | €860.60 |
| 🇱🇹 Lithuania | $0.00 | 0.14% | Not stated | €860.60 |
| 🇱🇺 Luxembourg | $0.00 | 0.14% | Not stated | €860.60 |
| 🇲🇾 Malaysia | $0.00 | 0.21% | Not stated | MYR 4,061.90 |
| 🇲🇹 Malta | $0.00 | 0.14% | Not stated | €860.60 |
| 🇲🇶 Martinique | $0.00 | 0.14% | Not stated | €860.60 |
| 🇾🇹 Mayotte | $0.00 | 0.14% | Not stated | €860.60 |
| 🇲🇽 Mexico | $0.00 | 0.17% | Not stated | MX$16,940.60 |
| 🇲🇨 Monaco | $0.00 | 0.14% | Not stated | €860.60 |
| 🇲🇪 Montenegro | $0.00 | 0.14% | Not stated | €860.60 |
| 🇳🇷 Nauru | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇳🇵 Nepal | $0.00 | 0.06% | Not stated | NPR 152,650.70 |
| 🇳🇱 Netherlands | $0.00 | 0.14% | Not stated | €860.60 |
| 🇳🇿 New Zealand | $0.00 | 0.27% | Not stated | NZ$1,715.40 |
| 🇳🇬 Nigeria | $0.00 | 0.18% | Not stated | NGN 1,324,240.70 |
| 🇳🇺 Niue | $0.00 | 0.27% | Not stated | NZ$1,715.40 |
| 🇳🇫 Norfolk Island | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇵🇰 Pakistan | $0.00 | 0.1% | Not stated | PKR 276,834.1 |
| 🇵🇪 Peru | $0.00 | 0.31% | Not stated | PEN 3,344.00 |
| 🇵🇭 Philippines | $0.00 | 0.28% | Not stated | ₱62,492.10 |
| 🇵🇳 Pitcairn Islands | $0.00 | 0.27% | Not stated | NZ$1,715.40 |
| 🇵🇹 Portugal | $0.00 | 0.14% | Not stated | €860.60 |
| 🇷🇪 Réunion | $0.00 | 0.14% | Not stated | €860.60 |
| 🇧🇱 Saint Barthélemy | $0.00 | 0.14% | Not stated | €860.60 |
| 🇲🇫 Saint Martin | $0.00 | 0.14% | Not stated | €860.60 |
| 🇵🇲 Saint Pierre and Miquelon | $0.00 | 0.14% | Not stated | €860.60 |
| 🇸🇲 San Marino | $0.00 | 0.14% | Not stated | €860.60 |
| 🇸🇦 Saudi Arabia | $0.00 | 0.6% | Not stated | SAR 3,749.90 |
| 🇸🇬 Singapore | $0.00 | 0.15% | Not stated | SGD 1,265.20 |
| 🇸🇰 Slovakia | $0.00 | 0.14% | Not stated | €860.60 |
| 🇸🇮 Slovenia | $0.00 | 0.14% | Not stated | €860.60 |
| 🇬🇸 South Georgia and the South Sandwich Islands | $0.00 | 0.09% | Not stated | £738.50 |
| 🇰🇷 South Korea | $0.00 | 0.15% | Not stated | ₩1,339,447.8 |
| 🇪🇸 Spain | $0.00 | 0.14% | Not stated | €860.60 |
| 🇱🇰 Sri Lanka | $0.00 | 0.16% | Not stated | LKR 328,107.10 |
| 🇹🇭 Thailand | $0.00 | 0.14% | Not stated | THB 33,000.40 |
| 🇹🇰 Tokelau | $0.00 | 0.27% | Not stated | NZ$1,715.40 |
| 🇹🇷 Turkey | $0.00 | 0.12% | Not stated | TRY 48,481.80 |
| 🇹🇻 Tuvalu | $0.00 | 0.12% | Not stated | A$1,392.20 |
| 🇺🇬 Uganda | $0.00 | 0.28% | Not stated | UGX 3,857,684.8 |
| 🇦🇪 United Arab Emirates | $0.00 | 0.15% | Not stated | AED 3,667.10 |
| 🇬🇧 United Kingdom | $0.00 | 0.09% | Not stated | £738.50 |
| 🇺🇾 Uruguay | $0.00 | 0.19% | Not stated | UYU 40,159.30 |
| 🇻🇦 Vatican City | $0.00 | 0.14% | Not stated | €860.60 |
| 🇻🇳 Vietnam | $0.00 | 0.16% | Not stated | ₫25,881,120 |
| 🇦🇽 Åland | $0.00 | 0.14% | Not stated | €860.60 |
Each destination links to the full offer comparison. Methodology
Is Instarem safe?
Check the legal entity, regulator, safeguarding terms and complaint process that apply in your jurisdiction. A provider's availability and protections can vary by country.
Read our safety checklist →FAQ
Is Instarem safe for international transfers?
Instarem is licensed and regulated across multiple countries, which is a good indicator of their commitment to security. Their platform aims for fast, low-cost, and secure transfers, providing a regulated service for sending money internationally.
How long do Instarem transfers take?
Many Instarem transactions are instant or completed within hours. While transfer speeds are generally fast, actual delivery times can vary depending on the destination country, receiving bank, and specific payment method used. It's advisable to check the estimated delivery time for your specific transaction.
What are Instarem's transfer fees and exchange rates?
Instarem is known for competitive exchange rates and low to zero fees, with many transfers incurring 0 EUR in fees under certain conditions. They state they are transparent about costs, encouraging users to check the exact fees and rates for their specific transfer before sending. Promotional offers, such as EUR 5 off for first transfers over EUR 500, can also influence the total cost.
Does Instarem have a loyalty program?
Yes, Instarem has a loyalty program called InstaPoints. Users earn InstaPoints with every transaction, which can then provide benefits on future transfers. This offers an additional incentive for repeat customers.
What payment methods does Instarem accept?
Instarem typically accepts debit cards for sending money. For specific payment methods available in your region or for a particular transfer, it's best to verify directly on their platform. They support transfers to over 60 countries across various regions.
What should I know about Instarem's customer service?
Some users have reported challenges with reaching Instarem's customer service or finding it unhelpful when issues arise. While the platform aims for ease of use, it's worth noting this feedback. Be prepared for a potentially time-consuming initial account verification process.
Can I track my Instarem transfer?
Yes, Instarem provides features like real-time tracking for transfers. This allows users to monitor the status of their money as it moves to its destination, providing transparency and peace of mind.
