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How are the transfer speeds with Instarem? Does InstaReM refund amount after cancelling transaction? Can I get a refund after cancelling a transaction? How much time it will take to reach funds to the recipient? Can I pay using debit or credit card on InstaReM? How much will I be charged for using Instarem? Can I send money through mobile phones or tab using InstaReM? How wide is the Instarem country coverage?