How do referrals work in Singapore? What do I earn?

When you refer a friend using your unique referral link, both you and your friend can earn 2,000 InstaPoints worth 25 SGD each. This reward is the same whether you use the amaze card, our money transfer service, or both.



To activate the reward, your friend must complete a qualifying transaction:



  • Money transfer: Send 1,000 SGD or more, or,
  • amaze: Spend 100 SGD or more on their amaze card.


Note: You can find your referral link on the home screen banner or in your Profile.

Related FAQs

How does Instarem referral program work? How many friends can I refer? Can I refer a friend more than once? How will my friends receive the referral reward? When will I receive InstaPoints or rewards for my referral? When can I redeem my InstaPoints earned from referrals?

Didn’t find what you were looking for?

Have a Personal Instarem account?

  1. Log in to your account on the Instarem app or web.
  2. Go to your Profile section.
  3. Tap on Help.
  4. Search for the relevant topic.
  5. Raise a ticket or chat with us if you didn’t find what you were looking for.

Have a Business Instarem account?

  1. Log into your account on the Instarem business portal.
  2. Tap on Help.
  3. Search for the relevant topic.
  4. You can raise a ticket by:
    • Clicking Submit a request at the top-right corner of the Help Centre page, or
    • Clicking Raise a ticket after selecting a topic or FAQ.
  5. We’ll get back to you once your request is submitted.
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