Our licenses
Instarem is a brand operated by Nium and is licensed in 11 countries for global money transfers. Explore our licensing information below.
North America
Canada
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Canada, Nium Canada Corporation is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (Registration No. M15669293). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Canada.
United States
Instarem is a brand of Nium, Inc. and its international affiliates. In the United States, payment services are provided by Community Federal Savings Bank, to which Nium, Inc. acts as a service provider. This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside the United States.
Europe
European Union
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In the European Economic Area, UAB “NIUM EU” is authorised as an electronic money institution (License No. 14 issued on 28 September 2017 by the Bank of Lithuania). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside the European Economic Area.
United Kingdom
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In the United Kingdom, Nium Fintech Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Reference Number 901024) to issue electronic money and provide payment services. This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside the United Kingdom.
Asia Pacific
Australia
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Australia, Nium Pty Limited holds an Australian Financial Services License (License No. 464627) issued by the Australian Securities and Investment Commission, and is registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC) as an independent remittance dealer (Registration No. IND100432795-001). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Australia.
Hong Kong
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Hong Kong, Nium Limited is licensed by the Customs and Excise Department as a Money Service Operator License (License No. 16-01-01797). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Hong Kong.
India
For consumers
Instarem is a brand operated by Nium Forex India Pvt. Ltd. and provides international money transfers to customers in India.
Nium Forex India Pvt. Ltd. is licensed by the Reserve Bank of India as a Category-II Authorised Money Exchange Dealer (AD II), and is a subsidiary of Nium Pte. Ltd.
For businesses
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In India, Nium India Private Limited works with local licensed bank partner(s) to offer its services with the approval of the Reserve Bank of India. This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside India.
Indonesia
For businesses
Instarem is a brand operated by NIUM Pte Ltd and its subsidiaries globally. In Indonesia, PT Nium Mitra Indonesia is regulated by Bank Indonesia as a Category 3 Payment Service Provider (License No. 21/261/Jkt/1).
Japan
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Japan, Nium Japan Kabushiki Kaisha is registered with the Kanto Local Finance Bureau as a Type 1 and Type 2 Fund Transfer Services Provider (Registration No: 00073). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Japan.
Malaysia
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Malaysia, Nium Sdn. Bhd. with Registration No. 201701000367 (1214517-X) is licensed by Bank Negara Malaysia as a Class B Money Service Business (Remittance Business) (License No. 00340, valid until 7 January 2025). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Malaysia.
Komune 2.0, Level 7-54, Vertical Corporate Tower, Lobby B, Avenue 10, Bangsar South, No. 8, Jalan Kerinchi, 59200 Kuala Lumpur.
03-2242 0315/0321/0162
Singapore
Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Singapore, Nium Pte. Ltd. is regulated by the Monetary Authority of Singapore as a Major Payment Institution (License No. PS20200276). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Singapore.
