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Our rate

First time rate Enjoy this special rate and zero fees on your transfer now. Act fast, offer ends soon!

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Fees Fees and exchange rates vary by sending amount, currency, payment method, and receiving country. Please change these parameters to view the applicable fees.

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Transfer time Transfer time is an estimate for bank transfers. Actual timing may vary.

First time transfer?

Get a special FX rate! Send JPY 5,000 or above today.

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Why Instarem?

Everybody has their thing. Ours is helping you transfer money internationally from Japan with the least amount of fuss. We are not your average money transfer provider. Our technology is smarter, faster, and more reliable. You can call it hassle-free. We call it Money Simple.

Fast

Most transfers are usually within 1-2 business days

Low-cost

Competitive exchange rates and low fees

Safe

Licensed and regulated in 11 countries

Transparent

All costs are upfront, no hidden charges

Rewarding

Earn rewards on every transaction

One app for all your overseas transfers

We believe in keeping things simple, fast, and low-cost. Just a few taps and your money can be on its way, without breaking the bank. Get better exchange rates, full transparency, and easy tracking of your money.

Fast and secure international transfers

Send money confidently to 60+ countries in minutes.

Earn rewards with every transaction

Each Instarem transaction will reward you with InstaPoints. The bigger the transaction amount, the greater the number of points you earn.
Learn about InstaPoints

What our customers say

4.4
8018 Reviews Excellent
Super quick and easy. SY
Ease of use and super fast credit to the recipient Rajat Chhabra
Speed of transfer and the effectively updated website routines Graham C.
Great service and expected to be little bit faster like before.. overall satisfied Bibhu S
it's competitive rates and fast Desy
Since the time i have started using Instarem, there have been no regrets. The app is great, process is simple, easy to understand and quite transpa... Joe Serrao
Excellent Support Amarnath Jeyam
All good and fast so far Selly Isnaini
This has the be the best and fastest way I have ever found of sending money overseas Andrew Day
The transfer was easy, quick with absolutely no hassle. It was almost instantaneous! The amount reached the recipient account in a matter of just... John

Money transfers at your fingertips

Download the Instarem app and get started in a few taps. It’s super easy to use.
Make your money transfers simple and rewarding – join us today!

Send money to over 60 countries hassle-free and stay in the loop with real-time tracking.

Rack up loyalty points with every transfer and level up your next one for an even sweeter deal.

Never miss a great rate! Set up FX alerts to seize favourable opportunities and get more value for your money.

Ready to get started?

Unlock the full Instarem experience in just a few easy steps. Begin your hassle-free journey with us today.

Download the Instarem app to start sending money overseas

Exclusive offer

Enjoy a special fee discount on your first transfer.

T&Cs apply

Fast transfers

Your transfers are typically processed within 1-2 business days. You can easily track your transfers too.

Easy payments

Enjoy the convenience of paying directly from your bank account.

Help and support

Got questions? Chat with us or submit a query in the Help Center.

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FAQs

  • Download the Instarem app: Go to the App Store or Play Store and download the Instarem app.
  • Sign up: Open the app, sign up using your email address, and set a password to get started.
  • Select country: Choose 'Japan' as your country of residence and fill out your personal details, including your mobile number and address.
  • Enter OTP: Enter the 6-digit one-time code sent to your phone.
  • Verify your account: Submit your ID documents to complete the verification of your Instarem account.
  • Account approval: Once your account is approved, enter the recipient's details, including their name and bank account number.
  • Enter transfer details: Select your recipient, enter the amount you wish to send, and choose the currency.
  • Review transfer details: Review all transfer details, including the amount, exchange rate, and recipient information.
  • Make payment: Fund your international transfer by making the payment using bank transfer.
  • Verify transfer: Verify your international money transfer by entering the verification code sent to your registered phone number or email.
  • Track your transfer: Use your Instarem account to monitor the progress of your transfer.
You can start sending money as soon as your account is verified. Once your documents and information are reviewed, you’ll receive an email notification confirming that your account is ready to use or if additional information is required.
Yes, Instarem is licensed and regulated by the Kanto Local Finance Bureau as a Type 2 Funds Transfer Service Provider under Japan’s Payment Services Act (Act No. 59,2009). For more details on our licensing information, please click here.
We use advanced encryption technology to protect your personal information and ensure your transactions are secure. Your money is in safe hands when you transfer with us. Instarem takes all necessary steps to keep your transfers safe and reliable.
To open an account and make a transfer, you need to provide your full legal name (in English + the full name on your ID with exactly the same character (ENG/Kanji/Kana) on the document), date of birth, nationality, occupation, current residential address, Individual Number, and email address. You’ll also need to upload photos of your valid identification documents that match the personal details you provide.
To verify your account, you can submit either:
  • My Number Card, or
  • A valid photo ID (e.g., The front side of your My Number Card, resident card) along with an Individual Number document (e.g., Back side of your My Number Card).
In compliance with Japan's regulatory requirements, we are required to verify your identity through KYC (Know Your Customer) information as part of standard financial services practice.
When setting up a transaction with Instarem, all fees are clearly displayed upfront. You’ll know exactly how much you're paying and how much your recipient will receive, ensuring full transparency. Our transaction fees depend on:
  • The country you're sending from
  • The country you're sending to
  • The amount you're sending
Instarem offers competitive exchange rates with a minimal margin on currency conversion. Since exchange rates fluctuate with the market, you can always check the latest rates and fees using the calculator on our website or app—just enter the amount and destination country for an instant quote.
You can send up to 1,000,000 JPY per transfer.
The minimum amount for a money transfer from Japan is 5,000 JPY.
Yes, depending on the country and available receiving methods, you can send money to someone without a bank account. For example, we offer cash pickup and digital wallet payments in the Philippines. You'll see the options available when you add the recipient’s details.
After logging into Instarem, you’ll be prompted to upload or enter any additional information required for verification or transactions. If you have questions, feel free to reach out to us via our Help Center.
You can easily track your money transfer using the Instarem app. With a user-friendly interface, our app lets you monitor your transfer in real-time. Please log into your account and click ‘Transaction History’ to check the status of your transfer. You will also receive notifications via email when your transaction is paid and received by your recipient. Instarem keeps you informed at every step—when the transfer is initiated, processed, and completed—so you can have peace of mind knowing your money is being transferred securely and efficiently.
After setting up a transaction, you can make a payment to Instarem via bank transfer. The bank account details will be displayed on the payment confirmation page and will also be sent to you via email for your reference. Simply follow the instructions to complete your transfer. Please note that the bank transfer amount must be the same with the net-source amount. We do not accept separated funding/bulk funding for the multiple transactions.
Currently, Instarem does not accept credit cards as a payment method for transactions from Japan.
There’s no limit on how frequently you can send money internationally from Japan. However, we do have maximum transfer limits in place to comply with regulations and ensure the safety of your transfers. At Instarem, we prioritise the security of your transactions while keeping things safe and reliable.
No. Instarem’s services in Japan are app-only, so you won’t be able to send money using the website. To send money internationally with the Instarem app, just follow these simple steps:
  • Download the Instarem app from the App Store or Google Play Store.
  • Create an account in the app.
  • Follow the on-screen instructions to set up your transfer.
No, Instarem does not allow individuals to have multiple accounts.
No, Japan does not allow joint bank accounts. To send money, your bank account must match the name on your Instarem account.
A Foreign Politically Exposed Person (PEP) is someone who holds a prominent public position or role in a foreign country, such as a Head of State, Prime Minister, Minister, Supreme Court Judge, Ambassador, Director of the Central Bank, or certain high-ranking officials. Family members or former members of these categories are also considered PEPs. PEPs are subject to stricter rules for financial transactions in Japan. If you are a PEP, please inform us during registration for regulatory and security purposes.
At Instarem, we support transfers to a wide range of countries, and our network continues to grow. You can send money to the following countries from Japan:
  • United States
  • United Kingdom
  • Canada
  • Singapore
  • Australia
  • Hong Kong
  • Greece
  • Spain
  • Slovakia
  • Germany
  • Belgium
  • Croatia
  • Austria
  • France
  • Portugal
  • Netherlands
  • Luxembourg
  • Slovenia
  • Cyprus
  • Estonia
  • Finland
  • Italy
  • Lithuania
  • Ireland
  • Malta
  • Latvia
Restrictions and regulations can vary depending on the country you're sending from, the destination country, and the purpose of the transfer. At Instarem, we strictly follow the regulations of each country we operate in. Sometimes, we may need additional information or documentation to ensure compliance with these regulations. Before making a transfer, we recommend that you check any specific regulations that might apply to your transfer. You can also review Instarem’s Global Policy for more details.
No, the remitter needs to pay the whole fees.
Instarem is available to Japan residents, citizens, and individuals aged 18 and above who have an Individual Number and a Japan-based bank account.
To add a recipient, you will need to provide: -
  • Full name
  • Full address
  • Email address
  • Contact number
  • Your relationship with the recipient
  • The recipient's receiving country and currency
You can edit a recipient’s details in the ‘Recipients’ section of our money transfer app. However, once a transaction has been initiated for a recipient, their details can no longer be edited.
We encourage you to enter the right beneficiary bank account details and fund the transaction from your own account to avoid a case of refund. However, if a refund needs to be issued, we will ask for your bank details and transfer money back to the same bank account that you used while funding Instarem.
You can review Instarem’s Terms & Conditions and Privacy Notice on our website or during the registration process when signing up on the app.
To log in, simply click on the ‘Google’ or ‘Facebook’ option again on the login page and use the same account you originally signed up with.
Yes, we prioritise the safety of your personal and transactional information. For more details, please refer to Instarem’s Terms & Conditions and Privacy Notice.
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