Instarem: company and regulatory profile
What to confirm before sending with Instarem
These questions connect the source material below to your particular transfer. A quotation records what the provider published; it does not confirm your eligibility or that the conditions apply to your payment. Missing evidence describes our collection, not the provider’s capabilities.
- Is your destination and currency available to customers sending from the UK?
- Read the provider's statement: where it sends money
- Is bank deposit, cash pickup, card delivery or a mobile wallet available for this route?
- No source quotation on this topic has been collected for this profile.
- What are the standard fee and recipient payout for your funding method, without a first-transfer offer?
- Read the provider's statement: fees
- What transfer limit and verification requirements apply to your account and payout method?
- No source quotation on this topic has been collected for this profile.
- Which delivery option applies, and when does the quoted delivery time begin?
- Read the provider's statement: how long transfers take
- Which entity provides this transfer and what does it say about customer-money protection?
- No source quotation on this topic has been collected for this profile.
- Which identity, address and source-of-funds documents will you need for this transfer?
- Read the provider's statement: documents and verification
Check the firm on the FCA Register · Check the cost of a quote you already have
What Instarem says about its regulation
Source: www.instarem.com (Instarem's own website) · Fetched 26 October 2026 · quoted word for word · How we collect this
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.
What Instarem says about its service
Source: instarem.com (Instarem's own website) · Fetched 26 October 2026 · sentences quoted word for word · How we collect this
Where it sends money
Source context: Fast and secure international transfers
Send money confidently to 60+ countries in minutes.
From /en-gb/
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
Source context: Money transfers at your fingertips
Send money to over 60 countries hassle-free and stay in the know with real-time tracking.
From /en-gb/
- Conditions apply in this sentence: check the linked page for the full terms.
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
Small and medium enterprises can easily pay their overseas suppliers and employees in 160+ countries while enjoying competitive exchange rates, low fees, and dedicated support.
From /en-gb/
- Business service: confirm that this product applies to your transfer.
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
How long transfers take
Source context: Send money to Ghana with our international money transfer app
Most transfers are instant or same day
- Destination-specific page: this statement is not a limit or promise for every route.
Source context: Send money to Kenya with our international money transfer app
Most transfers are instant or same day
- Destination-specific page: this statement is not a limit or promise for every route.
Source context: Send money to Nigeria with our international money transfer app
Most transfers are instant or same day
- Destination-specific page: this statement is not a limit or promise for every route.
Fees
Source context: International money transfers
Fees Fees and exchange rates vary by sending amount, currency, payment method, and receiving country.
From /en-gb/
Source context: What are the benefits of sending money online with Instarem?
Sending money abroad with Instarem is simple and affordable, with no hidden fees or unfair FX margins.
From /en-gb/
Source context: How can I send money abroad using Instarem?
You’ll see exchange rates and fees upfront, with no hidden charges.
From /en-gb/
Documents and verification
Source context: What information do I need to provide to make an international money transfer with Instarem?
Your personal details: Name, email, phone number, identity proof (like a National ID or passport), and address documents.
From /en-gb/
Source context: How to send money to Ghana from UK: 4 easy steps
Upload proof of address in UK and your identification documents.
- Destination-specific page: this statement is not a limit or promise for every route.
Source context: How to send money to Kenya from UK: 4 easy steps
Upload proof of address in UK and your identification documents.
- Destination-specific page: this statement is not a limit or promise for every route.
Companies House record
Source: Companies House · Fetched 26 October 2026 · values copied as returned · How we collect this
- Registered name
- NIUM FINTECH LIMITED
- Company number
- 09039850
- Company status
- active
- Incorporated
- 14 May 2014
- Registered office
- Ground Floor, 52-54 Gracechurch Street, London, EC3V 0EH, United Kingdom
- SIC codes
- 64999
- Latest accounts made up to
- 31 December 2024
- Next accounts due
- 31 December 2026
- Accounts overdue (as recorded by Companies House)
- No
Persons with significant control
None listed at Companies House.
How this company was identified: The provider's own website names this company as the one behind the brand (for example "a trading name of" or "provided by"), and it is the only active company with that exact name. Contains public sector information licensed under the Open Government Licence v3.0. Source: Companies House. Names are shown as published on the public register; see our privacy notice.
Ownership, accounts and filings
Source: Companies House · Fetched 26 October 2026 · values copied as filed · How we collect this
Who owns the company
No current corporate owner was returned from the company’s persons with significant control. Check the register at Companies House.
Corporate owners recorded as persons with significant control, copied as Companies House records them and followed up the chain only while each is a single owner registered there under the same name. Individuals are not shown.
Figures from the latest accounts
- Profit or loss for the year
- −£5,664,149period ending 31 December 2024
- Net assets
- £5,827,945period ending 31 December 2024
- Cash at bank and in hand
- £12,954,501period ending 31 December 2024
- Average number of employees
- 36period ending 31 December 2024
Read from the tagged accounts filed on 30 October 2025, made up to 31 December 2024. A negative figure is a loss. See the filing.
Registered charges
No charges are registered against the company.
A charge is security a company gives a lender, such as a debenture or mortgage.
Previous company names
- INSTAREM LIMITED · 14 May 2014 to 9 October 2020
Filing timeline (30 most recent filings shown)
- 19 October 2026Confirmation statement filed
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 13 October 2026Share capital filing
- 1 December 2025Registered office address changed
- 30 October 2025Accounts filed, made up to 2024-12-31
- 27 October 2025Share capital filing
- 27 October 2025Share capital filing
- 22 October 2025Confirmation statement filed
- 3 December 2024Confirmation statement filed
- 25 November 2024Share capital filing
- 25 November 2024Share capital filing
- 25 November 2024Share capital filing
- 13 November 2024Share capital filing
- 13 November 2024Share capital filing
- 13 November 2024Share capital filing
- 13 November 2024Share capital filing
- 13 November 2024Share capital filing
- 22 July 2024Confirmation statement filed
- 26 June 2024Accounts filed, made up to 2023-12-31
- 18 June 2024Share capital filing
- 18 June 2024Share capital filing
Contains public sector information licensed under the Open Government Licence v3.0, source Companies House.
Complaints to the Financial Ombudsman Service
Source: Financial Ombudsman Service, half-yearly business complaints data · Fetched 26 October 2026 · figures copied as published · How we collect this
NIUM FINTECH LIMITED does not appear in the Ombudsman’s published data for H1 2026 or H2 2025. The Ombudsman publishes figures only for businesses with at least 30 new and 30 resolved complaints in the six months.
“Upheld” means the Ombudsman decided in the consumer’s favour. A business is linked to a provider only when the Ombudsman publishes it under exactly the registered company name we hold from Companies House. Contains public sector information licensed under the Open Government Licence v3.0. Source: Financial Ombudsman Service, business complaints data H1 2026.
Data coverage
This profile is compiled automatically. Each item appears only once it has been collected from the stated source, and carries the date it was fetched. FCA status, restrictions and agents are available through the live register lookup; they are not imported into profiles. Missing service information describes a gap in our collection.
Show every item and its source (12 of 15 profile fields have source material)
Identity
- Registered company name
- Source material collected · Companies HouseCopied from the source by software
- FCA number, as stated by the provider
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Company number, incorporation date, registered office
- Source material collected · Companies HouseCopied from the source by software
- Persons with significant control
- Source material collected · Companies HouseCopied from the source by software
Regulation
- Provider's regulatory statement
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Status, restrictions and requirements
- Live lookup only · FCA RegisterQuoted word for word, with a link to the source
- Registered agents (count)
- Live lookup only · FCA RegisterCopied from the source by software
- How customer money is safeguarded
- No source material collected · Provider terms and conditionsQuoted word for word, with a link to the source
Financial health
- Latest accounts date, overdue accounts flag
- Source material collected · Companies HouseCopied from the source by software
- Revenue and profit (where filed)
- Source material collected · Filed accounts at Companies HouseCopied from the source by software
Complaints
- Complaint volumes and uphold rate (where published)
- Source material collected · Financial Ombudsman ServiceCopied from the source by software
Product
- Countries and currencies served
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Service availability
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Delivery times and payment cut-offs
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Payout methods (bank, cash pickup, mobile wallet)
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Fees, limits, minimums
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- ID documents required
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
We do not test providers or rate them. This profile shows no exchange rates, and says nothing about Instarem that its public records and its own website do not.
About this profile
Compiled automatically by IMTUK from the sources shown on this page. Site owner: Matt Woodley. Provider quotations are their own claims; collection and classification are not independent verification of the service.
Listing is free and no provider can pay for its data fields or position. Methodology · How we get paid · Report an error · Are you Instarem?