{"id":8158,"date":"2026-05-05T13:58:27","date_gmt":"2026-05-05T01:58:27","guid":{"rendered":"https:\/\/blog.orbitremit.com\/?p=8158"},"modified":"2026-05-05T16:16:35","modified_gmt":"2026-05-05T04:16:35","slug":"p8154","status":"publish","type":"post","link":"https:\/\/blog.orbitremit.com\/?p=8158","title":{"rendered":"OrbitRemit vs Instarem: Sending Money Overseas from Australia (2026)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you\u2019re based in Australia and looking for a cost-effective, reliable way to send money overseas, you\u2019ve likely come across both OrbitRemit and Instarem. Both are established digital money transfer providers \u2014 but they serve different markets, offer different delivery options, and come with different fee structures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This comparison covers what each provider actually offers, so you can make a confident, informed decision based on your specific needs.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong>&nbsp;As of 2026, Instarem does not offer outbound transfer services from New Zealand. This comparison covers transfers sent&nbsp;<strong>from Australia<\/strong>&nbsp;only. New Zealand customers can&nbsp;<a href=\"https:\/\/www.orbitremit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">send money internationally with OrbitRemit here<\/a>.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quick Comparison: OrbitRemit vs Instarem at a Glance<\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>About OrbitRemit<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OrbitRemit was founded in 2008 and is headquartered in Wellington, New Zealand \u2014 making it one of the few international money transfer services that is genuinely home-grown to the Australia\u2013New Zealand region.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From Australia, OrbitRemit supports transfers to 50+ destination countries across South and Southeast Asia, the Pacific, and beyond. Its strongest corridors include the Philippines, India, Nepal, Vietnam, Sri Lanka, Bangladesh, Indonesia, and Pakistan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regulation in Australia:<\/strong>&nbsp;OrbitRemit is regulated by the Australian Securities and Investments Commission (ASIC) and registered with AUSTRAC as a money remitter. Australian Financial Services Licence (AFSL) number: 470646.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regulation in New Zealand:<\/strong>&nbsp;OrbitRemit is supervised by the Department of Internal Affairs (DIA) as a licensed money remitter. FSPR registration: FSP7721.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/about\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/about<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>About Instarem<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem was founded in 2014 and is headquartered in Singapore. It is part of Nium, a global fintech company. Instarem initially launched as a service for Australian-based expats sending money to India, and has since expanded to serve customers sending from Australia, Singapore, the US, UK, Canada, Hong Kong, Malaysia, India, and the EU.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From Australia, Instarem supports transfers to 60+ countries, including India, the Philippines, Nepal, Vietnam, Sri Lanka, Bangladesh, and many others.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regulation in Australia:<\/strong>&nbsp;Instarem is regulated in 11 jurisdictions worldwide, including Australia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong>&nbsp;As of 2026, Instarem does not currently offer outbound transfer services from New Zealand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fees and Exchange Rates<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the true cost of a transfer requires looking at both the transfer fee and the exchange rate applied \u2014 the total amount your recipient receives is what matters.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>OrbitRemit<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OrbitRemit charges&nbsp;<strong>flat fees<\/strong>&nbsp;per transfer, regardless of the amount sent (except for large transfers, which are fee-free above certain thresholds). Fees vary by destination country and delivery method, and are shown upfront before you confirm your transfer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples from Australia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AUD to PHP via GCash: flat fee applies (check&nbsp;<a href=\"https:\/\/www.orbitremit.com\/philippines\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/philippines<\/a>&nbsp;for current rate)<\/li>\n\n\n\n<li>AUD to INR via bank deposit: flat fee applies (check&nbsp;<a href=\"https:\/\/www.orbitremit.com\/india\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/india<\/a>&nbsp;for current rate)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Large transfers:<\/strong>&nbsp;Transfers above $10,000 is fee-free. Check OrbitRemit\u2019s current terms for applicable limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New customers:<\/strong>&nbsp;A promotional rate and $0 fee applies to the first transfer. Terms and conditions apply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The flat-fee model means OrbitRemit tends to offer proportionally better value on larger transfers, where a percentage-based fee would otherwise cost more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com<\/a><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Instarem<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem charges a&nbsp;<strong>percentage-based fee<\/strong>&nbsp;ranging from 0.25% to 1% of the transfer amount, depending on the corridor, payment method, and transfer size. For some currencies and at certain times, Instarem applies a zero-margin exchange rate \u2014 meaning no markup on top of the mid-market rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The percentage fee structure means costs scale with transfer size. On smaller amounts, percentage fees can be quite low; on larger amounts, the absolute cost increases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New customers:<\/strong>&nbsp;Instarem offers a promotional first-transfer offer, including a fee waiver and\/or a discount code (e.g.&nbsp;<code>WELCOME<\/code>&nbsp;for AUD 5 off transfers of AUD 1,000 or more). Check Instarem\u2019s website for current terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Delivery Options<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Delivery options are a meaningful differentiator between these two providers \u2014 especially for senders whose recipients need access to mobile wallets or cash pickup.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>OrbitRemit<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OrbitRemit supports multiple delivery methods across its corridors, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mobile wallets<\/strong>&nbsp;\u2014 GCash, PayMaya, GrabPay, Coins.ph (Philippines); available for other corridors where supported<\/li>\n\n\n\n<li><strong>Bank deposit<\/strong>&nbsp;\u2014 to major banks in destination countries; typically same business day<\/li>\n\n\n\n<li><strong>Cash pickup<\/strong>&nbsp;\u2014 over 5,000 locations in the Philippines; available in selected other corridors<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/philippines\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/philippines<\/a><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Instarem<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem primarily delivers transfers via&nbsp;<strong>bank deposit<\/strong>. Cash pickup is available for the Philippines corridor. Mobile wallet delivery is not broadly available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.finder.com.au\/international-money-transfers\/instarem-money-transfer\" target=\"_blank\" rel=\"noreferrer noopener\">finder.com.au \u2014 Instarem review<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What this means in practice:<\/strong>&nbsp;If your recipient uses GCash, GrabPay, PayMaya, or Coins.ph \u2014 or if they need cash pickup access \u2014 OrbitRemit currently supports more delivery options across these corridors.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Transfer Speed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both providers offer competitive transfer speeds compared to traditional banks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>OrbitRemit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mobile wallet transfers (e.g. GCash to the Philippines): typically within minutes of payment being processed<\/li>\n\n\n\n<li>Cash pickup: typically within 1\u20132 hours<\/li>\n\n\n\n<li>Bank deposit: typically same business day<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/philippines\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/philippines<\/a><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Instarem<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem states that most transfers are completed same day, with many corridors supporting instant or near-instant delivery. For bank deposits, transfers typically arrive within 1\u20132 business days, depending on the corridor and receiving bank.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Countries and Corridors<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>OrbitRemit<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OrbitRemit supports 50+ destination countries, with a focus on Asia-Pacific remittance routes. Key corridors available from Australia and New Zealand include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Philippines, India, Nepal, Vietnam, Sri Lanka, Bangladesh, Indonesia, Pakistan, Fiji, Tonga, Samoa, and more<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Full destination list:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/destinations\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/destinations<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Instarem<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem supports transfers to 60+ countries from Australia, with a broader global footprint including corridors in Europe, the Americas, the Middle East, and Africa in addition to Asia-Pacific.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need to send to a country outside OrbitRemit\u2019s 33+ corridors, Instarem may cover that destination.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rewards Programme<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>OrbitRemit<\/strong>&nbsp;does not currently operate a points or rewards programme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instarem<\/strong>&nbsp;offers&nbsp;<strong>InstaPoints<\/strong>&nbsp;\u2014 a loyalty programme where customers earn points on every transfer, referral, and sign-up. Points are redeemable for fee discounts or air miles, depending on your location and the redemption options available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Source:&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For customers who transfer frequently and value a rewards component, Instarem\u2019s InstaPoints programme is a feature worth considering.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Business Transfers<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both OrbitRemit and Instarem support business accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>OrbitRemit<\/strong> supports business transfers alongside personal transfers for selected corridors, with higher transfer limits for business accounts. Check <a href=\"https:\/\/www.orbitremit.com\" target=\"_blank\" rel=\"noopener\">orbitremit.com<\/a> for the corridors where business transfers are currently available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instarem<\/strong>&nbsp;offers a dedicated business product with specialised support. Businesses transferring large amounts (over AUD 30,000) may be eligible for special rate discounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sources:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/business\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au\/business<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Customer Reviews<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>OrbitRemit<\/strong>&nbsp;holds a Trustpilot Excellent rating based on over 33,000 reviews. It also holds a ProductReview.com.au Top Rated badge for 2025 and 2026, and was awarded WeMoney Best for Value 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instarem<\/strong>&nbsp;holds a Trustpilot Excellent rating based on over 8,000 reviews, with an average score of 4.4 out of 5.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both services are well-regarded by their customers. OrbitRemit\u2019s larger review volume reflects its longer operating history and strong base in the Australia\u2013New Zealand market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sources:&nbsp;<a href=\"https:\/\/au.trustpilot.com\/review\/orbitremit.com\" target=\"_blank\" rel=\"noreferrer noopener\">trustpilot.com\/review\/orbitremit.com<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Which Provider Is Right for You?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is no single \u201cbest\u201d money transfer provider for all situations. The right choice depends on where you\u2019re sending, how much you\u2019re sending, how your recipient wants to receive the money, and how much you value extras like rewards points.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a simple way to think about it:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>OrbitRemit may suit you if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re sending money from&nbsp;<strong>Australia or New Zealand<\/strong><\/li>\n\n\n\n<li>Your recipient needs&nbsp;<strong>GCash, GrabPay, PayMaya or Coins.ph<\/strong>&nbsp;delivery<\/li>\n\n\n\n<li>Your recipient needs&nbsp;<strong>cash pickup<\/strong>&nbsp;(Philippines and selected corridors)<\/li>\n\n\n\n<li>You prefer&nbsp;<strong>flat fees<\/strong>&nbsp;that don\u2019t scale with transfer size<\/li>\n\n\n\n<li>You want a provider founded and headquartered in the ANZ region with 50+ destination countries<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instarem may suit you if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re sending from&nbsp;<strong>Australia<\/strong>&nbsp;to a country outside OrbitRemit\u2019s corridors<\/li>\n\n\n\n<li>You want to&nbsp;<strong>earn loyalty points<\/strong>&nbsp;on every transfer<\/li>\n\n\n\n<li>You primarily need&nbsp;<strong>bank deposit<\/strong>&nbsp;delivery and value rate transparency<\/li>\n\n\n\n<li>You\u2019re sending&nbsp;<strong>smaller amounts<\/strong>&nbsp;where a low percentage fee is competitive<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Always compare the&nbsp;<strong>total amount your recipient will receive<\/strong>&nbsp;\u2014 not just the headline fee \u2014 before confirming any transfer.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1777946080088\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is OrbitRemit available in New Zealand?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. OrbitRemit is headquartered in Wellington and is a supervised money remitter in New Zealand under the Department of Internal Affairs (DIA). Customers can send money to 50+ countries from both Australia and New Zealand.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1777946089795\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is Instarem available in New Zealand?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>As of 2026, Instarem does not offer outbound transfer services from New Zealand. Instarem is available to send from Australia.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1777946096947\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Are OrbitRemit and Instarem regulated in Australia?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. OrbitRemit holds an Australian Financial Services Licence (AFSL: 470646) and is registered with AUSTRAC. Instarem is regulated in 11 jurisdictions, including Australia.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1777946097763\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which is cheaper \u2014 OrbitRemit or Instarem?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cost depends on the corridor, transfer amount, and delivery method. OrbitRemit charges flat fees that become proportionally lower on larger transfers. Instarem charges a percentage fee (0.25%\u20131%) that scales with the transfer amount. Always use each provider\u2019s calculator to compare the exact AUD figure your recipient will receive before choosing.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1777946114544\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I send money to GCash from Australia?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. OrbitRemit supports direct GCash transfers from Australia to the Philippines. Check\u00a0<a href=\"https:\/\/www.orbitremit.com\/philippines\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com\/philippines<\/a>\u00a0for current fees and rates.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1777946123461\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Does Instarem offer cash pickup?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Instarem supports cash pickup for the Philippines corridor. For most other destinations, delivery is via bank deposit only.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><em>Sources:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.finder.com.au\/international-money-transfers\/instarem-money-transfer\" target=\"_blank\" rel=\"noreferrer noopener\">finder.com.au \u2014 Instarem review<\/a><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Send Money from Australia with OrbitRemit<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OrbitRemit has been helping Australians and New Zealanders send money overseas since 2008. With transparent flat fees, multiple delivery options including GCash and cash pickup, fee-free transfers above AUD\/NZD $10,000, and a Trustpilot Excellent rating from over 33,000 reviews, OrbitRemit is a trusted choice for the Asia-Pacific corridors that matter most.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regulated by ASIC in Australia | DIA-supervised in New Zealand<\/li>\n\n\n\n<li>Flat fees, shown upfront before you confirm<\/li>\n\n\n\n<li>Mobile wallets, bank deposit and cash pickup supported<\/li>\n\n\n\n<li><a href=\"https:\/\/trustpilot.com\/review\/orbitremit.com\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Rated Excellent on Trustpilot from over 33,000 reviews<\/span><\/a><\/li>\n\n\n\n<li>WeMoney Best for Value 2025 and WeMoney Excellent Rates &amp; Fees 2025 | ProductReview.com.au Top Rated Money Transfer Services 2025 &amp; 2026<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.orbitremit.com\/currency-converter\" target=\"_blank\" rel=\"noopener\">Check OrbitRemit rates today<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/transfers.orbitremit.com\/register\" target=\"_blank\" rel=\"noopener\">Create a free account<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Rates, fees, and product features are subject to change. Always verify current terms directly with each provider before making a transfer. This post was last updated May 2026.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sources:&nbsp;<a href=\"https:\/\/www.orbitremit.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">orbitremit.com<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.instarem.com\/en-au\/personal\/\" target=\"_blank\" rel=\"noreferrer noopener\">instarem.com\/en-au\/personal<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.finder.com.au\/international-money-transfers\/instarem-money-transfer\" target=\"_blank\" rel=\"noreferrer noopener\">finder.com.au \u2014 Instarem review<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/moneytransfer.com.au\/companies\/instarem\/\" target=\"_blank\" rel=\"noreferrer noopener\">moneytransfer.com.au \u2014 Instarem review<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comparing OrbitRemit and Instarem for sending money overseas from Australia. Fees, exchange rates, delivery options, corridors and regulation \u2014 side by side.<\/p>\n","protected":false},"author":240640783,"featured_media":8151,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[767101303,767101118],"tags":[],"class_list":["post-8158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide","category-news"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_323258045.jpeg?fit=5760%2C3840&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/sf9ZZv-p8154","jetpack-related-posts":[{"id":8174,"url":"https:\/\/blog.orbitremit.com\/?p=8174","url_meta":{"origin":8158,"position":0},"title":"OrbitRemit vs Wise: Sending Money Overseas from Australia and New Zealand (2026)","author":"Linh Chung","date":"5th May 2026","format":false,"excerpt":"Comparing OrbitRemit and Wise for sending money overseas from Australia and New Zealand. Fees, FX rates, delivery options, transfer speed and regulation.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_409339746.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_409339746.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_409339746.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_409339746.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_409339746.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":8166,"url":"https:\/\/blog.orbitremit.com\/?p=8166","url_meta":{"origin":8158,"position":1},"title":"OrbitRemit vs OFX: Sending Money Overseas from Australia and New Zealand (2026)","author":"Linh Chung","date":"5th May 2026","format":false,"excerpt":"Comparing OrbitRemit and OFX for sending money overseas from Australia and New Zealand. Fees, exchange rates, delivery options, transfer speed and regulation.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_1794955324.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_1794955324.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_1794955324.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_1794955324.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/05\/AdobeStock_1794955324.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7930,"url":"https:\/\/blog.orbitremit.com\/?p=7930","url_meta":{"origin":8158,"position":2},"title":"How to Send Money Overseas from Australia (2026)","author":"Linh Chung","date":"8th April 2026","format":false,"excerpt":"Learn how to send money overseas from Australia with OrbitRemit. Compare fees, exchange rates and transfer times. Fast, secure transfers to 50+ countries.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_625877151.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_625877151.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_625877151.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_625877151.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_625877151.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7750,"url":"https:\/\/blog.orbitremit.com\/?p=7750","url_meta":{"origin":8158,"position":3},"title":"Cheapest Ways to Send Money Overseas from Australia and New Zealand (2026)","author":"Linh Chung","date":"25th March 2026","format":false,"excerpt":"OrbitRemit vs Wise vs Remitly \u2014 which is cheapest from Australia and New Zealand? Compare fees, exchange rates and transfer speeds side by side.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"OrbitRemit, thumb","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/thumb-16x9-1.png?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/thumb-16x9-1.png?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/thumb-16x9-1.png?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/thumb-16x9-1.png?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/thumb-16x9-1.png?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":6751,"url":"https:\/\/blog.orbitremit.com\/?p=6751","url_meta":{"origin":8158,"position":4},"title":"Send Money to India from Australia and New Zealand (2026)","author":"Linh Chung","date":"6th February 2026","format":false,"excerpt":"Send money to India with OrbitRemit. Fast, secure transfers from Australia and New Zealand with low fees and great rates.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/AdobeStock_188476293.jpeg?fit=1200%2C828&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/AdobeStock_188476293.jpeg?fit=1200%2C828&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/AdobeStock_188476293.jpeg?fit=1200%2C828&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/AdobeStock_188476293.jpeg?fit=1200%2C828&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/02\/AdobeStock_188476293.jpeg?fit=1200%2C828&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":8068,"url":"https:\/\/blog.orbitremit.com\/?p=8068","url_meta":{"origin":8158,"position":5},"title":"Best Ways to Send Money to the Philippines from Australia (2026)","author":"Linh Chung","date":"10th April 2026","format":false,"excerpt":"Compare the best ways to send money to the Philippines from Australia in 2026. $0 GCash fee, fast transfers and rated Excellent on Trustpilot with OrbitRemit.","rel":"","context":"In &quot;Guide&quot;","block_context":{"text":"Guide","link":"https:\/blog.orbitremit.com\/?cat=767101303"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_268073394.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_268073394.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_268073394.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_268073394.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.orbitremit.com\/wp-content\/uploads\/2026\/04\/AdobeStock_268073394.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/posts\/8158","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/users\/240640783"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8158"}],"version-history":[{"count":11,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/posts\/8158\/revisions"}],"predecessor-version":[{"id":8208,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/posts\/8158\/revisions\/8208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=\/wp\/v2\/media\/8151"}],"wp:attachment":[{"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.orbitremit.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}