Do not use this company. I complied with all online requirements, then wired 8K via to Instarem's chosen bank in NYC. (They then transfer it to the recipient's bank account). Instarem emailed the transaction was complete but then voided it, with no explanation and no notice to me. It's unclear where my money is, or how I get it back. Awful customer service, with no phone support. Answers to my online queries are largely unresponsive.