Instarem vs Caxton: Fees & Reviews Compared (2025)

Below we compare them on their fees and reviews.

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Fees

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Instarem	Caxton
Trustpilot Rating	4.4	4.8
Number of Trustpilot Reviews	8,000	4,700
iOS App Rating	3.7	4.6
Number of iOS App Reviews	530	7
Android App Rating	4.3	N/A
Number of Android App Reviews	7,800	N/A

Data taken from relevant websites at time of publication.

	Instarem	Caxton
App Transfers	Yes	Yes
Online Transfers	Yes	Yes
Phone Transfers	No	No
In-person Transfers	No	No
Available Countries	60	170
Number of Currencies	30	28
Payment Methods	Bank account Debit card Credit card PayNow PayID POLi FPX Interac	Bank account Debit card
Receiving Methods	Bank account Alipay wallet in China Cash pickup in the Philippines	Bank account
Cash Pickup Option	Only for the Philippines	No
Payments Flexibility	Web platform Mobile app	Web platform Mobile app
Supported Languages	English	English
Transfer Speed	1-2 days	1-2 days
Dedicated Dealer	No	Only for business clients
Instant Custom Quote	Yes	No
Business Features	Bulk Payments	Spot contracts Forwards contracts Batch payments Risk management tools Rate alerts API integration
Debit Card	amaze by Instarem	Caxton Currency Card
Cancellation Policy	Without a cancellation fee if the transfer hasn’t been processed. Contact customer services to discuss cancellation if the transfer has been processed.	While Caxton does offer a cancellation policy, the ease of canceling an international money transfer largely depends on how quickly you act and the status of the transaction.
Suitability	Small money transfers	Small and large money transfers

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Instarem	Caxton
Year Founded	2014	2002
Headquarters	Singapore	London, UK
Other Office Locations	Canada, the United States, the United Kingdom, Lithuania, India, Hong Kong, Japan, Malaysia, Indonesia, and Australia	No other offices
Annual Trading Volume	$3 billion	£1 billion
Number of Employees	300	170
Number of Clients	1 million	660000
Regulatory Institutions	FinCEN in the USA FINTRAC in Canada FCA in the UK ASIC in Australia The Bank of Lithuania in the EU MAS in Singapore CED in Hong Kong Central Bank of Malaysia in Malaysia Bank of Indonesia in Indonesia Kanto Local Finance Bureau in Japan Reserve Bank of India in India	FCA and the HMRC in the UK
Awards	Singapore Fintech Award (Singapore Fintech Festival, 2017) FinTech Rising Star Award (India FinTech Awards, 2017) Outstanding Digital Cross-Border Money Transfer Service (India FinTech Awards, 2017) Blockchain Innovator Award (Swell by Ripple, 2018) Excellence in Payments (Fintech Australia, 2018) Best Value International Money Transfer Provider Award (Mozo Experts Choice, 2020 and 2021)	FX Provider of the Year (FT and Investors Chronicle Awards, 2018) 5 Star Travel Prepaid Card (Moneyfacts, 2018)

Data taken from company websites and other third-party sites. It was believed to be accurate at the time of publication but may have since changed.

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

See More Comparisons:

	Instarem	Caxton
Homepage
Transfer Fee	Depends on the selected countries, the transfer amount, and the selected payment method.	No fee
Average Exchange Rate Markup	0.3% – 0.6%	N/A
Minimum Transfer Amount	$1 ($50 for India)	£100 (or currency equivalent)
Maximum Transfer Amount	Depends on the origin country and the selected payment method.	£100,000 (or currency equivalent); £10,000 if paying with a debit card.