Instarem vs ZaloPay
Instarem
instarem.comZaloPay
zalopay.vnSide by side
| Figure | Instarem | ZaloPay |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 2 | 1 |
| Spec score · Money Transfer Apps | 8.7 (#12) | 8.1 (#40) |
| Exchange-rate model | markup | variable |
| Fees | Personal transfer fees vary by sending amount, currency, payment method, and receiving country and method. | The fee schedule lists free wallet-balance and linked domestic-bank payments, while some international-card transactions and transfers above a monthly free allowance incur fees. |
| Upfront fee display | Yes | Yes |
| Free plan | No | Yes |
| Headquarters | Singapore | Ho Chi Minh City, Vietnam |
| Mobile platforms | both | both |
| Security | Instarem says it uses encryption in transit and at rest, regular vulnerability assessments, external penetration tests, and AWS Cloud security controls. | ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications. |
| Support | Personal app users can submit a support query or start a live chat through the Help Centre. | Customer support is listed at 1900 545 436 and [email protected]; the site says the hotline costs 1,000 VND per minute. |
| Transfer speed | instant | instant |
Plans
In their own words
Instarem
Instarem provides international money transfers for individuals and cross-border payments for businesses. Personal users can send money to more than 60 countries, see fees upfront, and track transfers in real time. Fees vary by sending amount, currency, payment method, and destination and receiving method. Transfers are typically processed instantly or the same day after funds arrive, but can take up to two business days depending on destination and payment method. The service is available on Android, iOS, and the web; the mobile app includes Quick Send for frequent recipients and support by query or live chat. Businesses can pay overseas suppliers or employees across more than 160 countries. They can upload Excel payment and recipient details for up to 1,000 transactions in one go in listed markets. Business accounts also offer virtual cards with spending limits and real-time expense tracking. Instarem says it is licensed and regulated in 11 jurisdictions and uses encryption in transit and at rest, vulnerability assessments, external penetration tests, and AWS Cloud security controls. Personal and business account registration is free, but transaction fees apply.