Special First Transfer Offer – Terms & Conditions

Enjoy Special Fees on Your First Transfer : As a new customer in Hong Kong, you may start using Instarem for your overseas transfers and unlock a special discount on your first transfer:

• Enjoy zero fees on your first transfer to India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK.
• Enjoy 50% off transfer fees for your first transfer to any other destination supported by Instarem, excluding India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK.

Simply log into your account, and/or complete your registration, and enjoy the special offer for your first transfer.

Terms and Conditions

• These Terms and Conditions apply to both senders who send money to India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK as well as to those who send money to any other destination supported by Instarem (excluding India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK).
• This promotion is available for qualifying first-time customers only and is limited to one transfer per person. Existing customers who have transacted before are not eligible for this promotion. This promotion is not valid with any other offer.
• Qualifying first-time customers sending money to India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK will be entitled to zero fees on their first transfer.
• Qualifying first-time customers sending money to any other destination supported by Instarem (excluding India, Singapore, Malaysia, Thailand, Nepal, the Philippines, Europe and the UK) will be entitled to 50% off transaction fees on their first transfer.
• Offer valid only for your first Instarem transfer of a minimum and maximum amount, as specified in the table below, based on the sender’s country of residence:

• Amounts less than the above mentioned minimum transfer amount will be charged the standard transaction fees.
• This is a limited-time offer valid from September 4, 2023, at 12:00 am UTC and ends on January 15, 2025, at 12:00 am UTC. (“Promotion Period”).
• Instarem reserves the right to cancel or amend the promotion at any time. Any eligible transfers will be honoured if initiated during the Promotion Period. Transfers submitted outside of the Promotion Period will not be eligible for the promotion.
• Insufficient funding of your transfer will make you ineligible for the promotional offers. Cancelled transfers, either by you or Instarem, are also ineligible. Note that only the first successfully paid transaction will qualify as first transfer.
• Participation in the promotion where prohibited by law is ineligible. Instarem reserves the right to limit this promotion to one individual per household. Any attempt by a customer to abuse this promotion by using multiple or different identities, registrations, logins, or any other methods will, in Instarem’s sole discretion, void and disqualify the customer from receiving the promotion.  Instarem reserves the right to disqualify or void transfers that, in its opinion, are intended to circumvent these Terms and Conditions, or are deemed to be fraudulent or abusive.
• Employees of Instarem and its affiliates, as well as business customers of Instarem, are not eligible for this promotion.
• This promotion is in no way sponsored, endorsed or administered by or associated with any social media platform.
• By participating in this promotion, you agree to these Terms and Conditions. Failure to comply with any of these terms and conditions may result in the disqualification of the entry in the promotion.

This promotion and all use by you of our transfer services are subject to Instarem’s other terms and conditions, which are set forth here: https://www.instarem.com/terms-policies/

All transfers need to be within Instarem’s policies and regulatory requirements. Please refer to our FAQs for more information: https://www.instarem.com/help-personal/

Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. In Hong Kong, Nium Limited is licensed by the Customs and Excise Department as a Money Service Operator License (License No. 16-01-01797). This does not constitute or form part of an offer, solicitation, or advertisement of the Instarem services to any person outside Hong Kong.