200 InstaPoints each side, expiring

Instarem Referral Code

Q: Do InstaPoints expire?

Yes — six months from the date they are credited, or twelve months in Singapore. They are also cancelled if you close your account. This is the most common way people lose an Instarem referral reward they had already earned.

Q: How much is a referral worth?

200 InstaPoints to each side, plus any promotion running at the time. Note that InstaPoints are points rather than currency — a figure like 200 does not mean 200 of your local currency.

Q: Is there a cap on Instarem referrals?

Two. Ten successful referrals per promotion period, and USD 600 in total per calendar year.

Q: When are points credited?

After the referred user's first transaction completes successfully. A transaction that is cancelled, rejected or unpaid does not qualify.

Q: Which countries can use the Instarem referral?

Approved personal accounts in Australia, Singapore, Hong Kong, Malaysia, India, Japan, Europe, the US, the UK and Canada.

200 InstaPoints each — but they expire

Instarem, a brand of Nium, handles international transfers across Asia-Pacific, Europe and North America. Referrals pay in InstaPoints, which expire and are subject to per-period and annual caps.

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Genie Says

Instarem gives both sides 200 InstaPoints when the referred friend's first transfer completes. The catches: points expire after six months (twelve in Singapore), promotions cap at ten referrals, and there is a USD 600 annual ceiling.

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How much can you earn?

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200 InstaPoints per successful referral, plus any promotion running at the timeper successful referral*

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Have your own code? Add it here and earn rewards

How to Use an Instarem Referral Code

Share your referral link

Find it under Invite & Earn on the web, or your profile in the app. It is also emailed to your registered address.

Friend signs up through it

They must reside in a country Instarem sends from, and register via your link rather than adding a code later.

Their first transfer completes

A successful referral means no cancellation, rejection or unpaid transaction. Both sides then receive 200 InstaPoints.

Redeem before they expire

Points last 6 months from credit (12 in Singapore) and are redeemable in blocks of 100 to 400 against transfer costs.

Reward Details

Your Reward: 200 InstaPoints on completing your first successful transaction
Referrer Reward: 200 InstaPoints per successful referral, plus any promotion running at the time
Minimum Purchase: Referee's first transaction must complete without cancellation, rejection or non-payment
Validity: InstaPoints expire 6 months from credit (12 months in Singapore); cancelled on account closure
Available In: USA, UK, India, Canada, Australia, Japan, Singapore, Malaysia
Referral Limit: 10 successful referrals per promotion period; USD 600 total per calendar year
Payout Time: Credited after the referred first transaction completes successfully
Eligibility: Approved personal accounts in AU, SG, HK, MY, IN, JP, Europe, US, UK and Canada

Why Choose Instarem?

Points expire in six months

Twelve in Singapore. Unredeemed points vanish, and closing your account cancels the entire balance immediately.

Capped at 10 per period

Instarem's own example: refer twenty, have fifteen qualify, get rewarded for ten.

USD 600 annual ceiling

Across all vouchers, coupons and points redeemed in a calendar year. Past it, nothing further is issued.

About Instarem

Instarem moves money internationally from Australia, Singapore, Hong Kong, Malaysia, India, Japan, Europe, the US, the UK and Canada. Its referral currency is InstaPoints, and the limits attached to them matter more than the headline number.

Instarem's referral pays both sides 200 InstaPoints once the referred customer completes their first successful transaction — one without cancellations, rejections or unpaid transactions. InstaPoints are loyalty points, redeemable in blocks between 100 and 400 against the cost of future transfers. They are not cash and they are not transferable to anyone else.

Three limits decide whether you actually keep what you earn, and none of them appear on the pages currently ranking for this query.

InstaPoints expire. Points credited to your account expire six months from the date of credit in every country Instarem operates in, except Singapore, where the window is twelve months. If you close your Instarem account, all remaining InstaPoints are cancelled and removed immediately.

Promotions cap the count. Instarem's referral promotions reward a maximum of ten successful referrals per qualifying period. Their own worked example is blunt about it: refer twenty people, have fifteen qualify, and you are paid for ten.

There is also an annual ceiling. A referrer can earn up to USD 600 per calendar year in total across all external vouchers, coupons and InstaPoints redeemed. Once that figure is reached, no further rewards are issued to that user for the remainder of the year.

Eligibility is limited to approved personal Instarem accounts in Australia, Singapore, Hong Kong, Malaysia, India, Japan, Europe, the United States, the United Kingdom and Canada, and the referee must reside in a country Instarem sends from.

Instarem also runs periodic promotions layered on top of the base program — past campaigns have added gift cards for hitting a referral threshold. Those run to their own dates and terms, so check the current referral page rather than assuming a promotion you read about is still live.

Practical takeaway: earn points, then use them. Six months passes quickly, and points sitting unredeemed when the clock runs out are simply gone.