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Promotional FX Rate for First-Time Customers

Promotional FX Rate for First-Time Customers

Terms and Conditions

Instarem’s Special FX Rate + EUR 5 coupon Promotion (“Promotion“) is provided by UAB “NIUM EU” (legal entity code 304548794) (“Instarem”). These Promotion terms and conditions supplement and are in addition to the Instarem General Terms and Conditions (https://www.instarem.com/terms-policies/).

Please read these terms and conditions before participating in this Promotion.

By participating in this Promotion, you, as a Participant, and all the Participant(s) agree to be bound by these terms and conditions, and you satisfy all eligibility requirements as provided below.

  • Eligibility for Special FX Rate
    •  To participate in this Promotion, you must have a registered and approved Instarem Individual account. This Promotion is applicable only for residents in the European Union. The terms of the Promotion will apply to all new user(s) registered and approved with Instarem.
    • “New user(s)” refers to Instarem user(s) who have not, prior to making their first transaction during the Promotion Period, made any successful transactions via their Instarem account.
    • The offer is applicable on a first transfer between 1 EUR and 2,000 EUR.

       

  • Terms for EUR 5 coupon offer
    The limited-time promotional coupon of EUR 5 is applicable on your first transfer between September 22, 2025 and November 10, 2025.  

    Details of the Coupon Offer are as follows: 

    • The coupon offer provides EUR 5 off on a new user’s first transfer of EUR 500 or more. 
    • It applies only to a user’s first ever transfer with Instarem. 
    • To redeem, customers must enter the coupon code WELCOME at the ‘Transfer Summary’ screen. 
    • The coupon offer can only be used once per eligible user and cannot be combined with any other promotional coupon codes.

       

    • Check the table for details on how Special Rate + EUR 5 coupon offers apply to your transfer:

      Transfer Criteria 

      Applicable Offer 

      First transfer below 500 EUR 

      Special Rates only 

      First transfer between 500 EUR and 2,000 EUR 

      Special Rates + 5 EUR Off 

      First transfer above 2,000 HKD 

      5 EUR Off only 

      Any transfer after your first transfer 

      Standard rates apply 

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

  • How to Participate 
    • Register or log into Instarem. 
    • Set up your first transaction to any of Instarem’s receiving corridors through Instarem’s website or mobile app.

       

  • Promotion Period
  • Special FX Rate: The “Promotion Period” begins on Oct 5th, 2023, at 12:00 AM GMT and ends at 11:59 PM GMT on February 10, 2026.  
  • EUR 5 coupon: Valid only between September 22, 2025 and November 10, 2025.

  • Promotion Gratification
    Offer valid only for your Instarem transfers of a minimum & maximum amount as prescribed in the Eligibility criteria above. The Promotion will entitle eligible customers to:
    • Utilise the foreign exchange rate (the “Special FX Rate“) published on Instarem’s Special FX branded homepage or mobile application that are linked to these Terms and Conditions, as that rate was published at the time the qualifying transaction is submitted by you. 
    • Save EUR 5 on their first transfer of EUR 500 and above.

  • Promotion Exclusions 
    • Instarem employees are not eligible to participate in this Promotion. 
    • This Promotion is not applicable for corporate clients. 
    • This Promotion is in no way sponsored, endorsed, or administered by or associated with any social media platform.
    • [This Promotion is only applicable to the first successful transfer]. A successful transfer refers to a transfer without any related cancellation, rejections or unpaid transactions 
    • Instarem reserves the right to limit the number of individuals per household eligible for this Promotion. At Instarem’s sole discretion, any attempt by a customer to abuse this Promotion by using multiple/different identities, registrations, logins, and/or any other methods, will void and disqualify the customer from being eligible for the Promotion.
    • Insufficient funding of your transfer will render you ineligible for the Promotion. The Promotion will not be valid for any otherwise qualifying transaction that is cancelled either by you or by Instarem.
    • Failure to comply with any of these terms and conditions may result in the disqualification of the eligibility of  the Promotion for your transfer.

       

  • Other Terms 
    • 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 expressly reserves the right, at any time and without prior notice, to add and/or alter, modify, change or vary all or in part, this Promotion, or to cancel the Promotion altogether without any prior notice. All decisions by Instarem regarding the eligibility of any user(s) or transaction(s) to participate in the Promotion shall be final and conclusive. 
    • For any assistance or complaints on any matter related to this Promotion, you can reach us via https://www.instarem.com/help-personal/. You can find more information about how to contact our support team here. 
    • Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally.. In the European Economic Area, UAB “NIUM EU” is authorised as an electronic money institution (Licence No. 14 issued on 29 September 2017 by the Bank of Lithuania)