Is Instarem or Revolut cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between Instarem and Revolut?

Instarem (Flat fee + tight spread): Singapore-based MTO from Nium with strong APAC and INR coverage. Revolut (Free tier + premium subscriptions): Neobank with multi-currency accounts, mid-market FX up to monthly limits, and a global Visa/Mastercard.

Which is faster, Instarem or Revolut?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, Instarem or Revolut?

Both are licensed money services businesses. Instarem is regulated in Singapore, Australia, USA. Revolut is regulated in UK, EU, USA. As long as you transfer through their official site or app, both are safe to use.

Does Instarem or Revolut offer better exchange rates?

Rate competitiveness varies. Instarem markets flat fee + tight spread, while Revolut uses free tier + premium subscriptions. The recipient amount is the only fair comparison — see the corridor page for live numbers.

Instarem vs Revolut

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Flat fee + tight spread

Singapore-based MTO from Nium with strong APAC and INR coverage.

Fee: Free
Rate: 94.1844
Speed: Same day
Recipient gets: INR 94,184

Founded 2014

Singapore

Pros

Zero fee on select promotional corridors
Competitive rates, especially on USD/SGD/AUD → INR
InstaPoints reduce cost of repeat transfers

Cons

No cash pickup option
Bank account required on both ends
Customer support primarily via in-app chat

Try Instarem

Free tier + premium subscriptions

Neobank with multi-currency accounts, mid-market FX up to monthly limits, and a global Visa/Mastercard.

Live data unavailable.

Founded 2015

London, UK

Pros

Hold balances in 30+ currencies in a single account
Mid-market FX up to monthly free limit — best for occasional travel and small transfers
Strong mobile app with budgeting, savings, and crypto features

Cons

Free FX limits cap usefulness — heavy users hit the cap quickly
Weekend FX surcharge (0.5–1%) is annoying for active users
Customer support has historically been chat-only and slow

Try Revolut

Side-by-side comparison

Spec	Instarem	Revolut
Fee model	Flat fee + tight spread	Free tier + premium subscriptions
Headquarters	Singapore	London, UK
Founded	2014	2015
Status	Subsidiary of Nium Pte Ltd	Private (~$45B valuation, Bank of Lithuania licensed)
Live USD→INR fee	Free	—
Live USD→INR rate	94.1844	—
Recipient gets (USD 1,000)	INR 94,184	—
Typical speed	Same day	—
Top corridors	SGD→INR, USD→INR, AUD→INR	GBP→EUR, USD→EUR, GBP→USD

User reviews

Instarem

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Revolut

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We don't host our own reviews — we link to Trustpilot so the rating isn't influenced by us.

Frequently asked questions

Other comparisons

Wise vs Remitly →Wise vs Xoom →Wise vs MoneyGram →Wise vs Western Union →Remitly vs Xoom →Western Union vs MoneyGram →

Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.