Network

Unlock the Full Power of The Open Money Network

Move money wherever, whenever, however you choose

We’ve done the work in local markets to create an expansive network of licenses, payment modes, partners, and banking relationships to move money across the earth. Our platform can support all major payment options and be customized to multiple use cases.

Local payment rails. Global coverage.

Send to 90 countries, 65 in real-time, in 63 currencies
Payouts to accounts, cards, wallets, and cash
Local ACH and Wire payments
Spend anywhere with virtual debit cards
Global traceability and payment confirmation

Our Network Locations

Explore the world of Open Money, powered by our portfolio of licenses, earned by building trust with financial regulators.

Albania

ALL

Speed

Real-Time

Payout Method

Payout to Cards

Andorra

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Argentina

ARS

Speed

Next Day
09:30, T+2

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Armenia

AMD

Speed

Real-Time

Payout Method

Payout to Cards

Australia

AUD

Speed

Real-Time
Same Day
14:00, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Austria

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Azerbaijan

AZN

Speed

Real-Time

Payout Method

Payout to Cards

Bangladesh

BDT

Speed

Real-Time
Same Day
Sun -Thu 11:30, Sat 13:00; T+0 for all Banks

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Belarus

BYN

Speed

Real-Time

Payout Method

Payout to Cards

Belgium

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Brazil

BRL

Speed

Same Day
09:30, T+0 * For payouts of more than 30K BRL, documentary proof of nature of transaction must be provided

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Brunei

BND

Speed

Real-Time

Payout Method

Payout to Cards

Bulgaria

BGN, EUR

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available BGN: T+0, 8.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer

Cambodia

KHR

Speed

Real-Time

Payout Method

Payout to Cards

Canada

CAD

Speed

Next Day
21:00, T+1 CAD 20,000 per transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Chile

CLP

Speed

Next Day
08:30, T+1 5 Mn CLP per transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

China

CNY

Speed

Real-Time
Same Day
Next Day
B2B - 09:30, T+0 , RMB 1,999,999 per transaction P2P and B2P - Real time for 14 Banks, For other can be real time depends upon Bene Registration, For Real Time – 5,000 USD per transaction For Txns needing Bene Registration – 3,000 USD per transaction

Payment Types

B2B, B2P, P2P

Payout Method

Bank ACH

Colombia

COP

Speed

Same Day
07:30, T+0 Monthly accumulated limit per beneficiary of 3K USD

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Croatia

EUR, HRK

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available HRK: T+0, 8.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer
Payout to Cards

Cyprus

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Czech Republic

CZK, EUR

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available CZK: T+1, 8.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Denmark

DKK, EUR

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available DKK: 1,00,00,000 per Txn, T+1, 09:00 GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer

Estonia

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Finland

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

France

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Georgia

GEL

Speed

Real-Time

Payout Method

Payout to Cards

Germany

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Greece

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Grenada

XCD

Speed

Real-Time

Payout Method

Payout to Cards

Hong Kong

HKD

Speed

Real-Time
Same Day
Next Day
FPS - < 1Mn, Real Time, 24X7 (List of FPS supporting banks available) CHATS - > 1Mn. 15:30, T+1

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Hungary

EUR, HUF

Speed

Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available HUF: T+0, 8.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Iceland

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

India

INR

Speed

Real-Time
Same Day
IMPS - 24x7 Availability, Delivery - Real Time, Coverage – 32 Banks (List Available) Real Time (IMPS) limit - INR 200,000 NEFT - 18:00, Delivery Time: T+0, Coverage – All Banks B2B txn Limit - 1,500,000 INR

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Indonesia

IDR

Speed

Real-Time
Same Day
Real Time for all Banks subject to cutoff of 08.30 pm.

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Ireland

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Israel

ILS

Speed

Real-Time
Next Day
T+1, 12:00 GMT

Payment Types

B2B, B2P

Payout Method

Bank ACH
Bank Wire Transfer
Payout to Cards

Italy

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Jamaica

JMD

Speed

Real-Time
T+2, 16:00 GMT

Payment Types

B2B, B2P

Payout Method

Bank ACH
Bank Wire Transfer
Payout to Cards

Japan

JPY

Speed

Real-Time
Next Day
T+1, 2 P.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank Wire Transfer

Jersey

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Kazakhstan

KZT

Speed

Real-Time

Payout Method

Payout to Cards

Kyrgyzstan

KGS

Speed

Real-Time

Payout Method

Payout to Cards

Latvia

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Liechtenstein

EUR, CHF

Speed

Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available CHF: Same Day T+0, 10.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer

Lithuania

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Luxembourg

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Macedonia

MKD

Speed

Real-Time

Payout Method

Payout to Cards

Malaysia

MYR

Speed

Real-Time
Same Day
For <= 1M MYR (Giro) – 15:00, T+0 for 55+ Banks (List Available) For >= 1M MYR (Rentas) – 12:45, T+0 for 70+ Banks (List Available)

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Malta

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Mexico

MXN

Speed

Real-Time
Same Day
04:30, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Moldova

MDL

Speed

Real-Time

Payout Method

Payout to Cards

Monaco

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Mongolia

MNT

Speed

Real-Time

Payout Method

Payout to Cards

Montenegro

EUR

Speed

Real-Time

Payout Method

Payout to Cards

Namibia

NAD

Speed

Real-Time

Payout Method

Payout to Cards

Nepal

NPR

Speed

Real-Time
Same Day
Sun to Thu 11:30, Fri - 9:30, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Netherlands

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

New Zealand

NZD

Speed

Next Day
T+1, 2 P.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank Wire Transfer

Norway

EUR, NOK

Speed

Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available NOK: T+0, 10.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Oman

OMR

Speed

Real-Time

Payout Method

Payout to Cards

Pakistan

PKR

Speed

Real-Time
Same Day
<= 1M PKR – 24X7, Real Time > 1M PKR – 16:00, T+0 (Where Beneficiary Name does not Match with Account Name, transaction goes in T+1) - Payments to Freelancers - $ 1,500 per bene per month - Pension payments – PKR 250,000 per bene per month

Payment Types

B2P, P2P

Payout Method

Bank ACH

Peru

PEN

Speed

Same Day
06:30, T+0 $ 60,000 per transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Philippines

PHP

Speed

Real-Time
Same Day
Instapay - 24x7 Availability, Delivery - Real Time, Coverage – 35 Banks (List Available). Instapay (Real Time Transactions) limit - PHP 50,000 Pesonet - 14:30, Delivery Time: T+0, Coverage – All Major Banks (list available) Cash Payouts also available.

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards
Cash Pickup

Poland

EUR, PLN

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available PLN: T+0, 9.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer

Portugal

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Puerto Rico

USD

Speed

Real-Time

Payout Method

Payout to Cards

Romania

EUR, RON

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available RON: T+0, 9.00 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer
Payout to Cards

Russia

RUB

Speed

Real-Time
Next Day
T+1, 09:30 GMT

Payment Types

B2B, B2P

Payout Method

Payout to Cards

San Marino

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Saudi Arabia

SAR

Speed

Next Day

Payment Types

B2P, P2P

Payout Method

Bank Wire Transfer

Singapore

SGD

Speed

Real-Time
Same Day
Next Day
<= SGD 200,000 (FAST) – Real Time, 24X7, Limited to 20 receiving Banks(https://www.abs.org.sg/docs/library/fast-fact-sheet.pdf) Others – 13:30, T+1

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Slovakia

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Slovenia

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

South Africa

ZAR

Speed

Next Day
ZAR 50,00,000 per Txn, T+3, 16:30 GMT

Payment Types

B2B, B2P

Payout Method

Bank ACH
Bank Wire Transfer

South Korea

KRW

Speed

Same Day
15:30, T+0 USD 5000 per transfer USD 50,000 per year per Beneficiary 1st time beneficiary (Bene / account combination) requires a Beneficiary KYC which is online (submission of ID). Subsequent transactions are processed on the same day

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Spain

EUR

Speed

Real-Time
Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Sri Lanka

LKR

Speed

Real-Time
Same Day
<= 5M LKR – 24X7, Real Time to 40+ banks. List Available >5M LKR – 8:00, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Sweden

EUR, SEK

Speed

Real-Time
Same Day
Next Day
RECEIVE: EUR SEK: T+0, 10.30 A.M. GMT EUR: <=15,000 EUR – 24X7, Real-Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank list available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Switzerland

EUR, CHF

Speed

Same Day
Next Day
RECEIVE: EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available CHF: Same Day T+0, 10.30 A.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Bank Wire Transfer

Taiwan

TWD

Speed

Next Day

Payment Types

B2B, B2P

Payout Method

Bank Wire Transfer

Tajikistan

TJS

Speed

Real-Time

Payout Method

Payout to Cards

Thailand

THB

Speed

Same Day
09:30, T+0 for All Banks 1.5 Mn THB per Transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Turkey

TRY

Speed

Real-Time
Same Day
Real Time for all Banks subject to cutoff of 8.30 am to 4 pm. TRY 60000 per transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

UAE

AED

Speed

Next Day
T+1, 2 P.M. GMT

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank Wire Transfer

Ukraine

UAH

Speed

Real-Time

Payout Method

Payout to Cards

United Kingdom

EUR, GBP

Speed

Real-Time
Same Day
Next Day
RECEIVE: GBP, EUR EUR: <=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available GBP: FASTER <= 250,000 GBP – 24X7, Real Time 99%+ bank accounts covered under Faster Payments. CHAPS >250,000 GBP – 15:30, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH
Payout to Cards

Uruguay

UYU

Speed

Same Day
08:30, T+0

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

USA

USD

Speed

Same Day
7:30 EST (for Same Day Payments) USD 100,000 per transaction

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Vatican City

EUR

Speed

Same Day
Next Day
<=15,000 EUR – 24X7, Real Time, Limited Banks > 15,000 EUR – 14:00 EET, T+1 Supported bank List available

Payment Types

B2B, B2P, P2B, P2P

Payout Method

Bank ACH

Vietnam

VND

Speed

Real-Time
Same Day
24x7 Availability, Delivery - Real Time for 35 Major Banks. List available. All Other Banks- Delivery - T+0, Cut-off - 14:00 Limit - VND 300 Mn* per transaction. (*- Docs may be asked by the bank for transaction amount > 250 Mn VND)

Payment Types

B2P, P2P

Payout Method

Bank ACH
Payout to Cards

Want more information on a specific country or capability?
Don’t see the country or info you’re looking for?

Where We Hold Licenses

NIUM PTE. LTD. (formerly known as InstaReM PTE Limited) is the holding company of NIUM & Instarem subsidiaries globally:

Asia Pacific

Singapore

NIUM Pte. Ltd. (formerly known as InstaReM Pte. Limited) is regulated by the Monetary Authority of Singapore as a major payment institution under License No. PS20200276.

Australia

NIUM PTY Limited (formerly known as InstaReM PTY Ltd) is regulated in Australia by ASIC (AFS License No. 464627)

Hong Kong

NIUM LIMITED (formerly known as InstaReM LIMITED) (License No. 16/01/01797) is regulated by the Hong Kong Customs and Excise Department

India

NIUM India Pvt. Ltd. (formerly known as InstaReM India Pvt. Ltd.) operates in association with DCB Bank and is regulated by the Reserve Bank of India, vide its approval letter Number. FED.CO.APRD/2200/18.07.003/2017-18

Indonesia

PT Instarem Mitra Indonesia (License No. 21/261/Jkt/1) is regulated by Bank Indonesia.

Japan

InstaReM Japan Kabushiki Kaisha (registration no: Kanto Local Finance Bureau no. 00073) is a Funds Transfer Services Provider registered with the Prime Minister under the Payment Services Act (Act No. 59 of June 24, 2009).

Malaysia

NIUM SDN. BHD. (formerly known as InstaReM Malaysia Sdn. Bhd.) Registration No. 201701000367 (1214517-X) is regulated in Malaysia by Central Bank of Malaysia under MY License Serial Number 00222.

North America

Canada

NIUM Canada Corporation (formerly known as InstaReM Canada Corporation) (License No. M15669293) is regulated by the Financial Transactions and Reports Analysis Centre of Canada

United States of America

NIUM, Inc. (formerly known as InstaReM USA Corporation), operates in the United States under a program sponsored by Community Federal Savings Bank, to which NIUM is a service provider (NMLS ID No. 1528562).

Europe

Europe and United Kingdom

UAB NIUM EU (formerly known as UAB InstaReM EU) (License No. 14) is regulated by Lietuvos Bankas (Bank of Lithuania)