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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 Estimated transfer time may vary based on the currency selected, payment method, and bank timings.

Why send large transfers with Instarem?

Fast, secure transfers

Transfer large amounts of money from Australia quickly and securely.  Enjoy smooth transactions backed by excellent support. 

Track your transfer

Stay updated with real-time notifications and easy tracking through our app. 

Save more with competitive rates

Get more for your money with our low fees and great exchange rates. Why settle for less? 

How to send large amounts of funds with Instarem?

Sign up online or via our app. Choose your transfer amount to enjoy exclusive exchange rates, and verify your account by uploading your ID and proof of address.

Enter your recipient’s details to let us know who you’re sending money to.

Choose the type of currency you want to send, input the amount, and select your preferred transfer method.

Note: Refer to our international money transfer limits guide for more information on the maximum amount you can transfer in a single transaction to your choice location.

Key in the verification code that is sent to your registered phone number or email. This helps us keep your money safe.

Want to discuss your needs?

Let’s connect and make your large transfer from Australia a breeze.

Hassle free transfers for life's big moments

Real estate purchases 

Expand your property portfolio overseas without overspending. Get great rates and low fees, so you can invest more and stress less. 

Investments

Make international investments without the hassle. Enjoy competitive rates and minimal fees, simplifying your global investment process. 

Higher education 

Support your child’s overseas education without breaking the bank. With transparent fees and competitive rates, funding their education is easy and hassle-free. 

Your safety is our priority

Discover how we protect your money, secure your account, and keep your data safe. Plus, get tips to avoid scams. 

More currency pairings for Australia

If you cannot find your desired currency pair, it means that transfers to that specified currency are not supported by our services, but we are working on it! Do come back and check again as we are continuously updating our services.

Didn't find what you were looking for?

Log in and get personalised help:

 

  1. Log into your Instarem account.
  2. Go to your profile section.
  3. Tap on the Help centre.
  4. Search for your topic.
  5. Connect with our team by raising a ticket or chatting to us.

Yet to join Instarem? 

Setting up your account is quick and easy! Sign up now for instant access to all the perks you need. 

FAQ

Sending large amounts of money abroad from Australia is easy with Instarem. Just follow these steps:

  • Sign up: Create a free Instarem account online.
  • Verify: Upload your ID and proof of address.
  • Add recipient: Enter their information, including their bank account details.
  • Set up transfer: Choose the amount and currency. For amounts of 30,000 AUD and above, we recommend you use a bank transfer as your payment method.
  • Confirm and track: Review, send and track your large international transfer in real-time.

Whether you're sending a small amount or making a high-value transfer starting from 30,000 AUD, Instarem has you covered. Your maximum transfer limit depends on the purpose of your transfer and local regulations.

For smooth and secure high-value money transfers, Instarem may ask for:

  • Your ID: A government-issued ID and proof of address.
  • Recipient details: Their full name, bank account and bank info.
  • Transfer purpose: Why you are sending (e.g., international payment for property purchase, family support, etc.).
  • Source of funds: If needed, documents like bank statements, salary slips, or sale agreements.

Providing the right details upfront helps speed up your large international transfer. If we need more info, we’ll reach out.

For a safe large money transfer, follow these steps:

  • Use a trusted provider: Instarem is licensed and regulated for secure transfers.
  • Verify your identity: Completing your (KYC) verification helps prevent delays.
  • Choose a secure payment method: Bank transfers are best for large international transfers.
  • Double-check details: Avoid errors by confirming your recipient’s info.
  • Track it live: Stay updated in real time.

With Instarem, most large money transfers arrive within hours. But depending on the recipient’s country, bank processing times, and public holidays, it may take up to 1-2 business days or slightly longer in certain cases. 

Yes, like all payments, large money transfers must comply with regulations to prevent fraud, money laundering, and tax evasion. Depending on your country and the recipient’s location, you may need to comply with:

  • KYC (Know your customer) and AML (Anti-money laundering) checks: Instarem follows strict verification processes to keep transfers secure and compliant.
  • Cross-border transfer limits: Some countries set limits or require declarations for large international transfers.
  • Sanctions and restrictions: Transfers to certain countries or entities may be restricted.

For transfers above 30,000 AUD, extra documentation may be needed.

To avoid delays, verify your account and keep records of your transfer. If you have any concerns, we recommend you consult a financial expert or check with local authorities for specific legal requirements.

Keep more of your money when you transfer large amounts abroad with these tips:

  • Compare fees and rates: Use Instarem’s calculator to get competitive rates and transparent pricing.
  • Choose the right payment method: For amounts above 30,000 AUD, bank transfers are the most cost-effective option.
  • Avoid hidden costs: Instarem keeps fees low and upfront – no sneaky charges.
Tax laws vary worldwide, and large money transfers may or may not be tax-deductible in some countries. Instarem helps you send high-value transfers seamlessly but doesn’t handle tax matters. To be sure, check with a tax professional or local tax authorities.
For high-value transfers, Instarem may request documents to verify your transaction purpose or source of funds. These could include:
  • Bank statements
  • Property sale agreements
  • Pay slips
Having these ready can speed up your large international transfer.
Yes. Instarem offers special fees for large money transfers. Want the best deal? Chat with our team or check our Help Centre–we'll help find the most competitive fees for your large money transfer.
No worries! If you run into any issues with your large money transfer, our team is here to help. Just reach out to us via chat or Help Centre, and we’ll sort it out as quickly as possible.
Instarem makes it easy to transfer large amounts abroad for:
  • Buying property: Secure real estate overseas.
  • Family support: Help loved ones with tuition fees, healthcare, or daily expenses.
  • Investments: Fund investment opportunities abroad.
  • Education: Pay for tuition and living costs.
  • Medical expenses: Cover treatment overseas.
  • Relocation: Move funds when settling in a new country.
  • Gifts and inheritance: Transfer large sums for gifts or estate settlements.
If you’re unsure whether your transfer purpose is supported, feel free to reach out via our Help Centre for guidance.

This may happen due to multiple reasons: 

Reason 

What to do? 

Your bank may be holding the funds for security checks. This usually clears within 24 hours. 

  • Check with your bank for any holds or restrictions. 

If sent from a joint account, it may take longer for the transaction to be processed. 

  • You may need to provide a bank statement for verification. Check for requests from us and provide the required details promptly to avoid further delays. 

The amount received may not match the amount stated in the transaction that was created. 

  • We’ll manually review the transaction, and the status should update within 24 hours. 

Processing times for large transfers may extend due to multiple reasons: 
 

  • Large transfers typically go through extra security checks before they are sent to the recipient. If additional verification is needed, processing may take longer. 
  • If you are sending from the US via ACH, there may be insufficient funds in your account. 
  • Technical issues at the bank. 
  • Bank holidays, weekends, or bank operating hours. 
     

What to do? 

  • Check for any requests from us and provide the required details promptly to avoid delays. Otherwise, transactions may process on the next business day in accordance with the bank’s operations hours. If there’s an issue, we’ll notify you. 

Sometimes, our partner banks conduct additional checks on large transfers, which may extend processing time. 

What to do? 

  • If we’ve asked for additional documents, submit them as soon as possible to help speed things up.