(Free $25 InstaPoints) InstaReM Referral Code : 2YgK6l

Sign up for Instarem using referral code: 2YgK6l or referral link, complete one qualifying activity within a year, and you will receive 2,000 InstaPoints worth S$25. You can redeem them as amaze cashback, a discount on an overseas transfer, or KrisFlyer miles. Instarem’s referral page currently says the offer is valid until 30 November 2026,

What is Instarem?

Instarem is a digital money transfer service started in Singapore in 2014 and operated by Nium.

You can send money to 60+ countries. Instarem says most transfers are instant or same-day, but some can take up to 1-2 business days depending on your payment method, the destination and the receiving bank.

You’d use Instarem for two main things:

• International money transfers — paying overseas tuition, sending money home, settling foreign invoices, or moving funds between your own accounts. Rates and fees vary by amount, currency, payment method and destination, so compare the final amount your recipient will get before you confirm.
• The amaze card — a Mastercard debit card with two modes. amaze Wallet lets you top up and spend with 0% FX fees and earn InstaPoints. amaze Link connects up to 5 of your existing Mastercards, so you can keep earning that card’s own rewards (where applicable).

The Singapore-specific perks worth knowing: you can verify your identity using Singpass MyInfo, fund payments via PayNow, and send to Malaysia using DuitNow (just the recipient’s DuitNow ID, such as their mobile or IC number).

Instarem Referral Code — What You Get

Here’s exactly what’s on the table when you sign up with code 2YgK6l:

To qualify, do one of these within 1 year of signing up:

• Make a single transfer above S$1,000; or
• Spend a combined total of over S$100 (or equivalent) on your amaze card.

Just signing up is not enough. If you do not complete either activity within 1 year, neither you nor the referrer gets the reward.

How to redeem your InstaPoints:

You can redeem only one S$25 reward per calendar month: either the S$25 cashback or the S$25 transfer discount.

Worth noting: if you qualify through a transfer and do not have an amaze card, cashback and miles stay locked. To get the full S$25, you would either need another transfer above S$1,000 or an active amaze card.

How to Use the Instarem Referral Code (Step-by-Step)

The whole flow takes about 10 minutes if you have your NRIC and Singpass handy. I timed mine — it was closer to 6 minutes using MyInfo.

1. Tap the referral link, or download the Instarem app from the App Store or Google Play.
2. Tap “Sign up”, choose an Individual account, and select Singapore as your country.
3. Check that the referral code field shows 2YgK6l. On the web sign-up page, my link fills this in automatically. If it is blank, enter the code yourself. Sign-up is the time to apply it, so don’t skip this step.
4. Verify your identity using Singpass MyInfo (fastest) or by uploading your NRIC/passport manually.
5. Complete one qualifying activity:
   • Send a single transfer above S$1,000; or
   • Get the amaze card in the app and spend over S$100 in total.
6. Wait for the InstaPoints. Your transfer must show as paid, or your amaze spend must be settled. The T&Cs do not state a fixed crediting time, so check your InstaPoints balance in the app and contact in-app support if they do not appear.

If the code is rejected (for example, because it has hit its referral cap), PM me using the chat icon at the bottom right of this page and I’ll give you a new code.

My Personal Experience Using Instarem

I’ll share two specific use cases I’ve actually run through the platform, because the marketing copy never tells you the full story.

Remittance to Malaysia. I send money to family in JB roughly every other month. With DuitNow support, transfers usually land in under a minute — I once sent SGD 800 while waiting for kopi at a hawker centre and it had landed before my drink arrived. Funding via PayNow from a Singapore bank is free and instant on my end too. Compared to my old bank’s telegraphic transfer (which charged me around S$20 in fees plus an FX markup), Instarem is dramatically cheaper for this corridor.

Paying an overseas business. I once needed to pay an Australian supplier just over AUD 1,000. Most peer-to-peer remittance apps don’t allow business payments, but Instarem does — and I skipped the usual S$30+ bank telegraphic transfer fee entirely. The FX rate was within ~0.4% of the Google rate at the time.

amaze card on a Bali trip. Linked my Standard Chartered card to amaze and used it for hotels, food and transport. Transactions posted to my SC statement with an “AMAZE” prefix and were already converted to SGD, so I paid amaze’s FX spread instead of the bank’s ~3.25% foreign currency fee while still earning my card’s regular rewards on the SGD amount. One small annoyance: I initially worried that linking my credit cards would change the MCC and kill my rewards eligibility. Confirmed with Instarem — MCCs pass through to the underlying card issuer, so rewards generally remain intact.

One gotcha worth flagging. amaze charges the selected funding card at the time the transaction is posted, not when it’s authorised. I once selected Card A for an Amazon.sg purchase, then switched to Card B the next day. The charge posted to Card B and I missed Card A’s cashback category. Lesson: don’t switch your default funding card until pending charges have settled.

Eligibility & Terms You Should Know

Before you sign up, the honest fine print:

• Personal accounts only. The promotion does not apply to corporate customers using an Instarem business account.
• One reward per referee. You can receive the referral reward once only, and you can use only one referral code or link.
• Non-Singapore residents: referees can live in other countries where Instarem facilitates transfers from, but their InstaPoints expire after 6 months instead of 12.
• Self-referrals and transfers to your referrer don’t count. This includes payments to the referrer or to a joint account you hold with them.
• Your transaction must complete. A transfer must show as paid to the beneficiary, and amaze spend must be settled.
• InstaPoints expire 12 months after they are credited for Singapore accounts.
• amaze Wallet earns InstaPoints, amaze Link does not. Wallet spend earns 0.5 InstaPoint per S$1 in SGD or foreign currency. Linked card spend normally earns only that card’s own rewards. Transfers earn 10 InstaPoints per S$100 sent.
• Bank exclusions: DBS, POSB and UOB cards no longer award points on amaze transactions. Citi excludes certain AXS and transit transactions. Check your bank’s terms before relying on miles stacking.
• Mastercards only: amaze Link does not work with Visa cards.
• amaze fees to know:
  • amaze Wallet spending has no fee.
  • Linked card spend in SGD has a 1% fee (min. S$0.50), and this can apply even if the purchase is later refunded.
  • Linked card spend in foreign currency has an FX spread of up to 2.1%.
  • Wallet top-ups via PayNow or linked bank account are free, while Apple Pay top-ups cost 1.5% (min. S$0.50).
  • Overseas ATM withdrawals cost 2%.

You can read Instarem’s full Singapore referral T&Cs here. Instarem can change or cancel the promotion at any time.

Is the Instarem Referral Bonus Worth It?

Honest answer: S$25 is a decent bonus if you were already going to use Instarem. But I would not send more money or spend more than I planned just to get it.

The actual value sits in three places:

1. A low-effort qualifying route. For most people, S$100 of normal spending through a PayNow-funded amaze Wallet is easier than making a S$1,000 transfer. To be safe, use normal retail or dining spend rather than bills, insurance or e-wallet top-ups, as these categories are excluded from amaze rewards.
2. Transfers you already need to make. Instarem can be cheaper than a bank telegraphic transfer, but the difference depends on the amount, corridor and rate that day. Compare the final amount received before you send.
3. Overseas spending. amaze Wallet has 0% FX fees. amaze Link is less straightforward: Instarem says its spread is up to 2.1%, and The MileLion notes that it is usually around 2% but can be higher.

If you will not make a transfer above S$1,000 or spend over S$100 on amaze within a year, you will not get the bonus. If you do, it is an easy S$25.

A Quick Warning: Don’t Get Roped Into Money Mule Scams

A practical note since this comes up a lot in Singapore lately: keep your Instarem account secure and don’t let anyone else use it.

• Never sell, transfer, or “rent out” your account
• Don’t make payments on behalf of strangers, no matter how convincing the story
• Don’t share your login credentials, OTPs or Singpass details
• If something feels off, it probably is

Money mule activity is a criminal offence in Singapore, so never let anyone use your account to move money.

FAQ

How much is the Instarem referral bonus?

You get 2,000 InstaPoints worth S$25 after completing a qualifying activity. The referrer also gets 2,000 InstaPoints.

How long does the Instarem bonus take to credit?

The T&Cs do not state a fixed timeline. The reward is payable once your qualifying transfer shows as paid or your amaze spend is settled. If it doesn’t appear, contact Instarem through in-app support.

Can I use the referral code if I already have an Instarem account?

The code must be used while signing up, so it is meant for new sign-ups. Each referee can receive the reward only once.

What is the minimum transfer to qualify for the referral bonus?

You need a single transfer above S$1,000. Alternatively, you can qualify with combined amaze card spend of over S$100. Either must be completed within 1 year of signing up.

Do I need an amaze card to get the bonus?

No. You can qualify with a single transfer above S$1,000. However, cashback and KrisFlyer redemptions require an active amaze card. Without one, you can redeem InstaPoints only as a transfer discount.

How much is 2,000 InstaPoints worth in SGD?

2,000 InstaPoints are worth S$25 as amaze cashback or as a discount on a transfer above S$1,000. Each of these S$25 options shares one monthly limit, so you can use only one per calendar month.

Can I redeem InstaPoints for cash?

Yes, as cashback to your amaze wallet, but not directly to your bank account. Instarem brought cashback back in September 2026: 1,000 InstaPoints = S$5, or 2,000 InstaPoints = S$25 once per calendar month. Unused or expired InstaPoints have no cash value.

Can I use AMAZE25 or another promo code with 2YgK6l?

No. You can use only one referral code or link when signing up. AMAZE25 gives 1,000 InstaPoints worth S$5 to the first 2,000 eligible new users who sign up and apply for amaze from 21 October to 31 December 2026, with no minimum spend. 2YgK6l gives 2,000 InstaPoints worth S$25, but you must complete a qualifying activity.

Is the first transfer free?

It depends. Instarem’s Singapore website still shows zero fees on a first transfer of S$1 to S$3,000, but the linked T&Cs list an end date of 30 September 2026 and say the offer can’t be combined with other offers. Check the fee shown in the app before you confirm.

How fast are Instarem transfers to Malaysia?

Very fast in my experience. With DuitNow support, transfers often complete in under a minute. Actual timing can still vary depending on the payment method and receiving bank.

Is Instarem safe and regulated in Singapore?

Yes. Instarem is operated by Nium Pte. Ltd., which is regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under licence number PS20200276.

Can I use Singpass MyInfo to sign up?

Yes, and it’s the fastest way. Singpass MyInfo auto-fills your details from government records, which means verification often completes within minutes instead of hours.

Does linking my credit card to amaze affect my card’s rewards?

The original Merchant Category Code (MCC) is retained, but amaze changes the transaction description, treats it as online spend and bills it in SGD. DBS, POSB and UOB cards no longer award points on amaze transactions, and Citi excludes certain AXS and transit transactions. Cards with bonus foreign currency earn rates may also earn less, so check your card’s T&Cs.

Do InstaPoints expire?

Yes. For Singapore accounts, InstaPoints expire 12 months after they are credited. Referees who live outside Singapore have 6 months.

Can I top up amaze with PayNow?

Yes. PayNow and linked bank account top-ups are free. Apple Pay top-ups have a 1.5% fee (min. S$0.50).

What’s the difference between the Instarem referral code and a promo code?

A referral code like 2YgK6l is shared between users and rewards both parties after the referee completes a qualifying activity. Instarem also runs campaign codes, which can have different rewards and requirements. Check the campaign T&Cs before signing up because only one code can be used.

How many people can I refer with my own code?

You can refer as many people as you like, but you will be rewarded for up to 10 successful referrals, or a maximum of 20,000 InstaPoints.