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Instarem review

Updated October 17, 2026 · DebitCue Editorial Team

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Our verdict

Instarem amaze in Singapore can be funded from its wallet or a linked Mastercard, with the option to switch funding methods for one card. It is a wallet/card-link model, not a bank account.

Key facts

Best for
Singapore users looking for one amaze card with wallet and linked-Mastercard funding options.
Currency conversion fee
0% (Source, checked September 26, 2026)
Legal entity
INSTAREM PTE. LIMITED (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
instarem.com

Credit cards

Annual fee
SGD 0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
0.5 InstaPoints per SGD spent (Source, checked September 26, 2026)
Perks
Multi-currency wallet supporting 11 currencies, Up to 100,000 USD travel medical insurance, 700+ Mastercard offers on shopping, dining, entertainment and travel, Apple Pay and Google Pay integration, Travel eSIM discounts up to 20% off (Source, checked September 26, 2026)
Legal entity
INSTAREM PTE. LIMITED (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play

Pros

Pros

  • Wallet and linked-Mastercard funding are available for the card.
Instarem

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • Singapore users looking for one amaze card with wallet and linked-Mastercard funding options.

Two funding routes for one card

amaze supports funding from its wallet or a linked Mastercard, with options to switch for the same card.

Design of the transfer flow

The app and online versions share the same core flow, so starting a transfer from either place feels familiar. The approach emphasises simplicity, with a small number of steps taking a payment from the first screen through to the recipient. Transparency is part of the design goal, meaning users are meant to understand each stage of a transfer before they confirm it and move on to the next step. Each step is designed to be understood before the next one begins.

Oversight by a European regulator

The brand is regulated by the Bank of Lithuania and holds licences in several countries. That oversight gives people a clear public authority to look to when they want to understand how the business is supervised. Licensed providers must meet rules on how they handle customers and their money. Anyone weighing the service should note which entity sits behind a given product, since regulatory coverage can differ between the brand's various offers. Confirming that the relevant licence applies to the exact service in question is a sensible step.

Sending money across borders

The brand focuses on moving money to other countries, and it offers a wide range of destinations for international transfers. Customers can choose the currency they want to send, enter an amount and pick a preferred transfer method. The timing of each transfer depends on the currency, the payment method used and the working hours of the banks involved. Estimated arrival times therefore vary from one transfer to the next. Planning ahead for time sensitive payments keeps expectations realistic.

Verification and security steps

Each transfer includes a verification code that is sent to a phone number or email address linked to the account. This extra step is intended to confirm that the person starting the transfer is the account holder. The brand calls its transfers fast and secure and calls its service a trusted choice for customers in many places. Keeping login details private and checking every confirmation carefully remains the user's strongest safeguard, whatever the provider does on its side.

How Instarem compares

Frequently asked questions

Who oversees the brand's money transfer business?+

The brand is regulated by the Bank of Lithuania and holds licences in several countries. Regulated providers must follow rules on handling customer funds and reporting. Checking which licence covers a particular service helps people understand the protections that apply.

Why do transfer times differ from one payment to another?+

Transfer times depend on the currency chosen, the payment method and the working hours of the banks involved. A payment made at a quiet time for banks may take longer than expected. The brand presents estimates rather than fixed arrival times for that reason.

What currency conversion fee does Instarem charge?+

The currency conversion fee at Instarem is 0%. (Source, checked September 26, 2026)

Which company operates Instarem?+

Instarem is operated by INSTAREM PTE. LIMITED. (Source, checked September 26, 2026)

Where is Instarem based?+

Instarem is based in Singapore. (Source, checked September 26, 2026)

When was Instarem founded?+

Instarem was founded in 2014. (Source, checked September 26, 2026)

How can I contact Instarem support?+

Instarem offers support through Email, Help-centre. (Source, checked September 26, 2026)

Sources

  • en.wikipedia.org/wiki/Nium checked September 26, 2026

    Backs: Headquarters

    “Singapore-headquartered cross-border payments company”

  • cbinsights.com/company/instarem checked September 26, 2026

    Backs: Legal entity

    “INSTAREM PTE. LIMITED registered at 168 Robinson Road”

  • instarem.com checked September 26, 2026

    Backs: Support channels

    “bizsupport@instarem.com and help centre available”

  • instarem.com/about-us checked September 26, 2026

    Backs: Founded

    “We started out in APAC in 2014”

  • instarem.com/amaze checked September 26, 2026

    Backs: Annual fee, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type

    “Annual Fee: None”

Compiled from 5 source pages, checked October 17, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Free ATM withdrawals, Card type, Protection.

Instarem

Instarem

Singapore users looking for one amaze card with wallet and linked-Mastercard funding options.

9.1/10Visit