Send across currencies
Different currency? Send it directly. ID Transfer converts automatically. You do not have to convert first.
Fees
Zero to send.Zero extra to convert.
ID Remit does not charge a transfer fee. Conversion has no extra fee either — automatic on a cross-currency send, or convert yourself first. The rate is shown before you confirm.
Price list
What ID Remit charges
No plans. No percentage on the ID send. The price is the same on every Account ID transfer.
| Service | ID Remit |
|---|---|
| Open a Starryblu accountCreate an account, then send with Account ID. | No monthly fee to start |
| Send with Account IDThe ID transfer fee stays zero. | S$ 0 |
| Receive with Account IDIncoming ID Remit transfers do not add a transfer fee. | S$ 0 |
| Convert currencyAutomatic on send, or convert yourself. Rate shown before you confirm. | No extra fee |
Why remittance costs so much
Too many parties on the way
Traditional cross-border rails cannot land the money in one hop. Every extra node is a bill.
Bank networks are limited by how far they reach. A second party, a third, a fourth — sometimes more — has to handle the payment before it arrives. None of those processing nodes is free. By the time the funds reach the person, the stacked cost shows up as a high fee.
You send
02Second party
03Third party
04+And more
They receive
The gap in the numbers
6.49% vs S$ 0
Industry averages are not a rounding error. They are what stacked nodes look like as a percentage of the send.
6.49%Average remittance cost, Q1 2025
14.55%Average cost through banks
US$15–50+Typical retail wire fee range
S$ 0ID Remit transfer fee
6.49% and 14.55% are World Bank figures for Q1 2025 remittance costs. Bank and corridor differ; actual fees vary. ID Remit is the Account ID hop: transfer fee S$ 0, conversion with no extra fee.
Conversion
FX is included in the zero
Zero fee is not only the ID send. Conversion has no extra fee, whether it happens automatically or you convert yourself.
Or convert yourself
Prefer to convert in Starryblu first, then send? That path has no extra conversion fee either.
Rate before you confirm
The rate is shown in the app before you send. It is not mixed into a transfer fee, because the transfer fee is S$ 0.
Before you send
Clear on the way out
You see the cost and the rate before you confirm — not after a chain of banks has taken a cut.
| ID Remit | Traditional remittance | |
|---|---|---|
| Transfer fee | S$ 0 | Average 6.49%; banks 14.55% |
| Conversion | No extra fee, rate shown first | Often buried in the quoted rate |
| Parties on the path | Account ID send | 2nd, 3rd, 4th+ parties |
| What you enter | Account ID + name | SWIFT, IBAN, bank, often address |
FAQ
Fees, asked directly
What it costs to send, whether conversion is included, and why bank remittance is expensive.
How much does a Starryblu ID transfer cost?
The ID transfer fee is S$ 0. Conversion has no extra fee. Cross-currency ID Transfer converts automatically, or you can convert yourself first. The rate is shown before you confirm.
Does a zero ID transfer fee include currency conversion?
Yes. Conversion is free too — no extra fee, whether it happens automatically or you convert yourself. The rate is shown before you confirm.
Why are cross-border remittance fees so high?
Bank rails often need a second, third, or fourth party — sometimes more — before the money arrives. Each node charges. The World Bank put average remittance costs at 6.49% in Q1 2025, and 14.55% through banks. ID Remit does not stack those hops: transfer fee S$ 0, conversion with no extra fee.
Send from Starryblu
Open an account. Send with Account ID.
Zero transfer fee. Conversion with no extra fee. Arrival within 1 second.