How to Use Instarem for Recurring Transfers to India

Key Takeaways

• Recurring transfers work best with a system. Instarem lets you reuse saved details, which cuts errors and keeps every money transfer to India fast and steady.
• Clear fees help you save on transfers. With upfront pricing and steady rates, Instarem supports low-cost remittance for regular senders handling international funds.
• Small choices add up over time. Timing your sends, using the right payment method and consolidating amounts help more INR reach India with each remittance.
• Rewards reduce long-term costs. InstaPoints build value with every transfer, making repeat money transfers to India cheaper over months, not just once.
• Consistency brings control. When you plan recurring transfers well, you turn routine Remittance into a reliable, cost-smart habit that supports real needs in India.

Sending money to India is more than a task—it’s a part of life for millions abroad. Every month, families rely on these transfers for daily needs, tuition or long-term plans. According to the World Bank, India leads in receiving funds worldwide, with totals topping $129 billion recently. 

Singapore plays a strong role in this flow. In fact, 86% of Singapore residents send or receive money at least once a year, often for regular remittances. This shows that the way you send matters more than you think. Small gaps in rates and fees can quietly drain value over time. 

This is why Instarem is a top choice for your money transfer to India. It gives you a practical way to manage recurring transfers without guesswork. Instarem focuses on clear pricing, steady rates and a low-cost remittance setup built for repeat use. This guide shows how to plan each money transfer to India with more control, so your INR works harder every time. 

Ready to join a large group of smart senders? Let’s explore why this platform is the ideal fit for your needs.

Why choose Instarem for recurring transfers to India?

Repeated transfers can mean small fees add up quickly. While the global cost for an overseas money transfer remains high at 6.49%, Instarem keeps your costs much lower. This digital-first platform stays well below traditional averages, making it ideal for international funds sent from Singapore and other countries. 

The Economic Times reports that remittances to India, USD 82 billion in 2022, are projected to reach nearly USD 100 billion, with Singapore contributing a major share of these funds. This shows that using a low-cost remittance platform like Instarem can save you significant money over time.

Here are the key benefits of using Instarem for recurring INR transfers:

• Competitive exchange rates and InstaPoints: Every time you send money, you earn InstaPoints. Over time, this makes repeated transfers even cheaper. You can redeem them on your next money transfer to India or other countries to reduce costs. 
• Low, transparent fees: Instarem shows the total cost before you send. There are no hidden charges or surprise fees. Note that fees and exchange rates vary by sending amount, currency, payment method and receiving country. You can check these details upfront to see the exact cost of your transfer.
• Mobile convenience: Manage your transfers on the go with the Instarem app. Download it from Google Play or Apple Store.
• Speed and reliability: Transfers typically reach Indian bank accounts within 36 hours, giving peace of mind for time-sensitive payments. Estimated transfer time may vary depending on the currency selected, payment method and bank timings, but you can track each transfer in real time for clarity.
• Bank-grade safety: Instarem keeps your money secure with robust safety measures. It’s licensed and regulated in 11 countries, so you can send money to India from the USA or any other country safely. Instarem also enforces strict identity verification rules to prevent fraud and protect your account.

Step-by-step guide: How to set up a recurring transfer

Setting up recurring transfers to India can feel tricky, but Instarem makes it simple and fast. Even if you’re new to online remittances, the platform supports senders at every level. While it doesn’t have a dedicated ‘recurring transfer’ button, Instarem saves your past transfers and preferred details so you can repeat them with just a few taps.

Once you complete your first transfer, you can reuse your saved beneficiary, currency and payment method for all future payments. The interface stays clean, intuitive and mobile-friendly, letting you manage your money transfer to India from anywhere, even on the go.

Follow this Instarem guide for recurring transfers to reduce errors:

Initial setup: Create your account and beneficiary

Before you start recurring transfers, you need an active account that lets you add your beneficiary. The good thing about Instarem is that your recipient doesn’t need an account to receive funds—they get the money directly in their bank. Still, having an account makes managing transfers easier and keeps all your past transfers and beneficiaries in one place. 

Follow these steps to get started with Instarem:

1. Sign up: Open the Instarem app or website and choose your country of residence. Sign up using a valid email and phone number that can receive verification codes. You can also sign up with Google or Facebook for quicker access. In countries like Singapore, you can register instantly using MyInfo.
2. Complete Know Your Customer (KYC) checks: Verify your identity before sending money. Upload required documents like a government ID (Aadhaar or passport) and PAN card. You may need extra documents depending on your transfer purpose, such as university fees, employment, visa fees or blocked accounts. KYC is a one-time step that protects your account and ensures compliance with local rules.
3. Add your beneficiary: Enter your recipient’s full name, bank account number and IFSC code. You can also choose recipients from your phone contacts. There’s no limit to how many beneficiaries in India you can add, so you can manage payments to family, friends or business contacts with ease.
4. Save and confirm: Review all information carefully and save your beneficiary to prevent delays. Saved beneficiaries make recurring transfers faster and reduce mistakes in future payments.

Following these steps ensures each money transfer to India starts smoothly. With your account verified and beneficiaries saved, you can send funds quickly, safely and at low cost while keeping full control over your INR.

Make your first transfer (The template)

Completing your first overseas money transfer to India creates a template you can reuse for future recurring transfers. You don’t need to retype details every time because Instarem remembers your choices, making repeat transfers fast, simple and accurate. 

Follow these steps:

1. Log in and choose your currency: Log in to your Instarem account, then select the currency and amount you want to send. This sets the baseline for all future transfers.
2. Select your beneficiary: Pick your Indian recipient from your saved list or add a new one. Ensure all bank details are correct to avoid errors or delays.
3. Lock in the rate: Instarem shows the current exchange rate and the total your recipient will receive in INR. Confirm the rate before proceeding to guarantee your recipient gets the expected amount.
4. Pick your payment method: Choose a bank transfer, debit or credit card. Note that each method has slightly different processing times and fees. Bank transfers often cost less for larger or repeat transfers, making them ideal for regular senders.
5. Review and confirm: Double-check all details (amount, beneficiary info and payment method). Approve the transfer to complete it securely.
6. Save as a template: Once sent, this transfer becomes a reusable template. 

Streamline subsequent recurring transfers

After completing your first transfer, Instarem saves your preferred sending currency, saved beneficiary and payment method. This makes handling international funds fast, accurate and stress-free. By following a simple workflow, you can save on transfers and ensure your INR reaches the recipient every time.

Here’s how to streamline subsequent recurring transfers:

1. Re-initiate the transfer: Log in and select your saved beneficiary. You don’t need to re-enter bank details or payment info. Simply enter the amount and confirm the transfer.
2. Check InstaPoints: Check if you have points from previous transfers. Redeeming InstaPoints lowers your cost instantly, helping you save on transfers with each payment.
3. Verify the details: Even though Instarem saves your beneficiaries, always double-check the details. If your recipient changes banks or your preferred payment method changes, update the saved info first. 
4. Set reminders: Instarem doesn’t auto-schedule payments. Use your phone or calendar to create monthly or bi-weekly reminders. This keeps your workflow consistent, ensuring each transfer goes out on time.
5. Monitor transfer status: Instarem helps you at every step. They always send timely updates about your transfer status so you can track your international funds until they reach your recipient.

Maximising savings with Instarem: Tips for recurring senders

While Instarem already offers a great way to handle your remittances, you can still find new ways to optimise every overseas money transfer for maximum value. Knowing how to manage recurring transfers effectively ensures your money reaches your recipient. This Instarem guide for maximising its use helps you tap into smart practices, so each transfer works harder and you join a community of savvy senders!

The timing strategy

Even though Instarem offers steady rates, currency values change every day. Regular senders can save more by checking the INR rate a few days before each money transfer to India. For example, if you send ₹100,000 monthly, waiting for a slightly higher rate—even by a few paise—adds up to a noticeable sum by year-end.

Timing matters because rates shift due to market moves, bank hours and weekdays. Scheduling your transfers around these changes helps your INR stretch further without increasing the amount sent. Track rates, pick a favourable day and stick to it. You can also mark your calendar or set a reminder to check rates before each transfer.

Here’s a clear example: 

You plan to send ₹100,000. On a busy Monday, the rate may be fixed. Wait for a calm Tuesday or Wednesday, and the rate might rise. Even a small jump of 0.10 can mean an extra meal or a paid bill for your loved ones. Timing your transfer smartly keeps more INR in your recipient’s hands.

Why this works:

• Mid-week is best: Markets run strong Tuesday to Thursday, giving steadier rates than weekends.
• Avoid the rush: Many send money on the 1st of the month. High demand can dip rates. Try mid-month for better deals.
• Watch the news: Major world events move rates. If you see a jump, use the Instarem app to lock it in quickly.

The timing flow:
Mon (Wait) → Tue/Wed (Check rate) → Good Rate? → Send!

Using this strategy, you control your recurring transfers, reduce lost value and make every money transfer to India more effective. A small shift in timing can turn your regular remittances into smart savings.

Leverage InstaPoints

Instarem rewards you for every successful transfer and referral. These are called InstaPoints. For recurring transfers, your points build up quickly and help you save on transfers over time. 

For example, if you send ₹100,000 regularly, redeeming points every second or third transfer can lower fees significantly. Over a year, this adds up to a noticeable saving without extra effort. InstaPoints also encourage consistency: the more often you send, the more points you earn.

Using InstaPoints gives you control over your recurring transfers and helps your money go further. They make your regular payments smarter, cheaper and more efficient. By checking your points before each transfer, you can maximise savings while keeping your transfers fast, secure and fully tracked.

Optimise payment methods

Choosing the right payment method can make a big difference when sending money to India. For regular senders, selecting the most efficient option can lower costs, speed up transfers and ensure your INR reaches your recipient reliably. Instarem supports multiple ways to fund your transfer, including bank transfers, debit/credit cards and local instant options like PayNow or FPX.

Here’s a clear comparison of the main supported payment methods:

The choice of method affects your recurring transfers in several ways. Bank transfers tend to cost less for higher amounts, which makes them ideal for repeat payments. Card payments are faster but may carry extra charges from your bank, so they work best for small or urgent transfers. 

Local instant methods like PayNow or PayID combine speed with low fees, making them convenient for mid-sized transfers. By reviewing the fees and transfer times before each payment, Instarem helps you plan smartly, ensuring your overseas money transfer is cost-efficient, smooth and that your INR goes further with every transaction.

Consolidate transfers

Consolidating transfers means sending fewer payments, but in larger amounts. For regular senders, this approach helps reduce repeat fees and keeps more value in every money transfer to India. Instead of sending several small amounts, you group them into one planned transfer. You still send the same total sum. You just do it in a smarter way.

Here’s a simple example:

• You send INR 20,000 each week to support family needs.
• Over one month, the total reaches INR 80,000.
• Four separate transfers mean you may pay a fee four times.
• One monthly transfer means you pay the fee once.
• When you convert your currency in one go, more money reaches your recipient with less value lost to fees.

This works well for recipients in India who manage monthly costs like rent, school fees or home bills. One larger transfer can cover all needs at once. It also makes tracking international funds easier, since you deal with fewer records and updates.

This method matters because fees often apply per transfer, not just per amount. Larger transfers often bring better value, especially for large money transfers or when handling international business payments. With fewer steps and fewer charges, you gain better control over your INR and long-term costs.

Conclusion

Instarem gives regular senders a clear, steady way to manage recurring transfers without stress. When you plan each money transfer to India with saved details, smart timing and the right payment method, you turn routine sends into a low-cost remittance habit that works every month.

Instarem stands out because it fits real life. It supports repeat use, shows costs upfront and rewards steady sending through InstaPoints. For Regular senders, this means fewer errors, lower fees and better control over cash flow. When you use Instarem with intent, recurring transfers stop being a task and start becoming a system that supports long-term goals. 

If you’re ready to turn routine transfers into a smarter system, sign up now and start setting up your recurring payments with confidence. For business needs or more tailored support, contact us to explore how Instarem can support larger or ongoing transfer plans.

FAQs on how to use Instarem for recurring transfers to India

What are recurring transfers with Instarem?

Recurring transfers let you repeat your past money transfer easily. By saving your beneficiary, currency and payment method, you can send funds quickly and accurately every time.

How can I save on transfers using Instarem?

You save on transfers through low, transparent fees, competitive exchange rates and by redeeming InstaPoints earned on previous payments. Timing your transfers and consolidating amounts also boosts savings.

How long does it take for money to reach India?

Most transfers reach Indian bank accounts within 36 hours. Exact timing depends on the payment method, currency and bank processing times. Instarem provides real-time updates for every transfer.

Is Instarem safe for sending international funds?

Yes. Instarem uses bank-grade security, strict identity verification and is licensed in 11 countries, ensuring your money transfer to India is secure and compliant with regulations.

Which payment methods work best for regular remittances?

Bank transfers are ideal for larger or repeated payments due to lower fees. Cards are faster but may cost more, while local instant methods like PayNow or FPX offer speed and low cost for mid-sized transfers.