International Money Transfer Limits

Many countries have limits on outward foreign currency flows. Kindly take a note of international money transfer limits as per your country of residence, mandated by local regulatory authorities, as well as by Instarem. Please note this list is updated on a periodic basis.

Limits on Outward Flow of Remittance (Individual users)

CountryMinimum transfer amount - Native currency (Instarem)Minimum transfer amount - Other currencies (Instarem)Payment methods & maximum transfer amountsComments

Australia

AUD 1

N/A

  • PayID transfer: No sending limit
  • Bank transfer: No sending limit
  • Debit card: AUD 20,000
  • Credit card: AUD 20,000

Instarem limits

Hong Kong

HKD 1

USD 1

  • Bank transfer: No sending limit
  • Debit card: HKD 30,000

Instarem limits

Singapore

SGD 1

USD 1

  • PayNow: SGD 200,000 per day
  • Bank transfer: No sending limit
  • Debit card: SGD 20,000
  • Credit card: SGD 20,000
  • Linked bank account: Up to SGD 200,000 

Instarem limits

Malaysia

MYR 1

N/A

  • FPX transfer: MYR 30,000 per day*
  • Malaysian citizen: MYR 30,000/day
  • Expat: MYR 30,000/day
  • Foreign worker: MYR 5,000/month

Regulatory limits

India

N/A

N/A

  • Bank transfer: Minimum and maximum limits may vary based on local bank regulations

Regulatory limits

Europe

EUR 1

N/A

  • Bank transfer: No sending limit
  • Debit card: EUR 10,000

Instarem limits

United Kingdom

GBP 1

N/A

  • Bank transfer: No sending limit
  • Debit card: GBP 10,000

Instarem limits

United States

USD 1

N/A

Per transaction limit

  • ACH: USD 3,000*
  • Set up Instarem as ‘Payee’: Instarem limits
  • Wire transfer: Instarem limits
  • Debit card: USD 1,000*
  • Credit card: USD 1,000*

 

Monthly limits

  • ACH: USD 12,000*
  • Set up Instarem as ‘Payee’: Instarem limits
  • Wire transfer: Instarem limits
  • Debit card: USD 2,000*
  • Credit card: USD 2,000*

Instarem limits

Canada

CAD 1

N/A

INTERAC e-Transfer:

  • CAD 3,000 per day
  • CAD 10,000 per week
  • CAD 20,000 per month

Instarem limits

Japan

JPY 1

N/A

Bank Transfer:  

  • Minimum limit per transaction: JPY 5,000 
  • Maximum limit per transaction: JPY 1,000,000

Instarem limits 

Besides the above limitations on outward remittances in various countries, regulations in receiving countries also impose limits on maximum inward remittances to individual and business recipients in the country. Please find a list of countries below with regulatory limits on inward money transfers. In some cases, we have also included possible limits by local banks.

Limits on Inward Flow of Remittance

Country Currency Business to Business Business to Individual Individual to Individual Individual to Business
Philippines PHP Card: Up to 50,000 per transaction

Bank transfer: No limit		 Card: Up to 50,000 per transaction

Bank transfer: No limit		 Cash payout: Up to 50,000 per transaction

Wallet: Up to 50,000 per transaction

Bank transfer: No limit

Card: Up to 2,500 PHP per transaction		 Bank transfer: No limit
Philippines USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
India INR Bank transfer: No limit

Card: Up to 50,000 INR/transaction		 Bank transfer: No limit

Card: Up to 50,000 INR/transaction		 UPI: Up to 100,000 INR/transaction

Bank transfer: No limit		 Bank transfer: No limit
India USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit

Card: Up to 2,500 USD/transaction		 Bank transfer: No limit
Indonesia IDR Bank transfer: No limit

Card: Up to 50,000 IDR/transaction		 Bank transfer: No limit

Card: Up to 50,000 IDR/transaction		 Bank transfer: No limit

Card: Up to 2,500 IDR/transaction		 Bank transfer: No limit
Indonesia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Thailand THB Bank transfer: No limit

Card: Up to 50,000 THB/transaction		 Bank transfer: No limit

Card: Up to 50,000 THB/transaction		 Bank transfer: No limit

Card: Up to 2,500 THB/transaction		 Bank transfer: No limit
Thailand USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Malaysia MYR Bank transfer: No limit

Card: Up to 50,000 MYR/transaction		 Bank transfer: No limit

Card: Up to 50,000 MYR/transaction		 Bank transfer: No limit

Card: Up to 2,500 MYR/transaction

DuitNow: 1,00,00,000 MYR		 Bank transfer: No limit

DuitNow: 1,00,00,000 MYR
Singapore SGD/USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Bangladesh BDT Card: Up to 50,000 BDT/transaction Card: Up to 50,000 BDT/transaction Bank transfer: No limit

Card: Up to 2,500 BDT/transaction		 N/A
Bangladesh USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Hong Kong HKD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Hong Kong USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Sri Lanka LKR Bank transfer: No limit

Card: Up to 50,000 LKR/transaction		 Card: Up to 50,000 LKR/transaction

Bank transfer: No limit		 Bank transfer: No limit

Card: Up to 2,500 LKR/transaction		 Bank transfer: No limit
Vietnam VND Bank transfer: No limit Bank transfer: No limit

Card: Up to 50,000 VND/transaction		 Bank transfer: No limit

Card: Up to 2,500 VND/transaction		 N/A
Vietnam USD N/A Bank transfer: No limit Bank transfer: No limit N/A
China CNY N/A N/A Card: Up to 3,000 USD/transaction
Wallet: Up to 50,000 CNY/transaction		 N/A
China USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Nepal NPR Bank transfer: No limit

Card: Up to 50,000 NPR/transaction		 Bank transfer: No limit

Card: Up to 50,000 NPR/transaction		 Bank transfer: No limit

Card: Up to 2,500 NPR/transaction		 Bank transfer: No limit
Nepal USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Australia AUD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Australia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
UK GBP / USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Canada CAD Bank transfer: Up to 25,000 CAD/transaction Bank transfer: Up to 25,000 CAD/transaction Bank transfer: Up to 25,000 CAD/transaction Bank transfer: Up to 25,000 CAD/transaction
Canada USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
South Korea KRW Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Pakistan PKR N/A Bank transfer: No limit Bank transfer: No limit N/A
Ghana GHS N/A N/A Bank transfer: 50,000 GHS

Wallet: Up to 10,000 GHS/transaction		 Bank transfer: 50,000 GHS
Nigeria NGN N/A N/A Bank transfer: 2,000,000 NGN N/A
Uganda UGX Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Germany USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Germany EUR Bank transfer: No limit

Card: Up to 50,000 EUR/ trxn		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
France USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Italy USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Spain USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Spain EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Japan USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Brazil BRL N/A N/A Pix: Up to 8,000 USD/transaction

Bank transfer: Up to 8,000 USD/transaction		 Bank transfer: Up to 3,000 USD/transaction
Argentina ARS N/A N/A Bank transfer: Up to 25,000 USD/transaction Bank transfer: Up to 25,000 USD/transaction
Austria USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Belgium USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Bulgaria USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Chile CLP N/A N/A Bank transfer: 7,000,000 CLP N/A
Colombia COP N/A N/A Bank transfer: 999,999,999,999 COP N/A
Cyprus USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Cyprus EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Croatia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Croatia EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Czech Republic USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Czech Republic EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Denmark USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Dominican Republic DOP N/A N/A Bank transfer: Up to 1,250,000 DOP/transaction N/A
Egypt EGP N/A N/A Bank transfer: No limit

Wallet: Up to 30,000 EGP/transaction		 Bank transfer: No limit
Estonia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Estonia EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Finland USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Greece USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Greece EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Guatemala GTQ N/A N/A Bank transfer: Up to 150,000 GTQ/transaction N/A
Hungary USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Iceland USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Ireland USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Kenya KES N/A N/A Bank transfer: No limit N/A
Latvia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Latvia EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Luxembourg USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Lithuania USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Lithuania EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Malta USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Malta EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Monaco USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Netherland USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
New Zealand USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Switzerland USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Norway USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Peru PEN N/A N/A Bank transfer: 10,000,000 PEN N/A
Poland USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Portugal USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Romania USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Romania EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
San Marino USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Slovakia USD Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Slovakia EUR Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 50,000 EUR/transaction		 Bank transfer: No limit

Card: Up to 2,500 EUR/transaction		 Bank transfer: No limit
Slovenia USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Sweden USD/EUR Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Turkey TRY N/A N/A Bank transfer: Up to 60,000 TRY/transaction N/A
USA USD Bank transfer: No limit

Bank transfer: Up to 300,000 USD/transaction		 Bank transfer: No limit

Bank limit: Up to 300,000 USD/transaction		 Bank transfer: Up to 300,000 USD/transaction Bank transfer: Up to 300,000 USD/transaction
Mexico [From US Only] MXN Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit Bank transfer: No limit
Uruguay UYU N/A N/A Bank transfer: Up to 5,000,000 UYU/transaction N/A
Bhutan USD N/A N/A Bank transfer: No limit Bank transfer: No limit

The above information is provided on ‘as-is’, ‘as-available’ basis only. The above information is subject to change and will be periodically updated. Although every effort is made to ensure the reliability of the information above, we encourage you to do a thorough esearch through various Government and other sources to reach a conclusion. This shall not constitute as a warranty, either expressed or implied with regards to the accuracy and adequacy of any information stated herein. Instarem would not be liable for any discrepancy, or any loss or damage arising as a result of the above data.