What happens if I have negative balance in my wallet?
In some instances, your balance may drop below SGD 0 due to a number of reasons (but not limited to) such as:
- Recurring payments
- Delayed processing by the merchant
- Unauthorised transaction
In cases of unauthorised transactions, please lock your card immediately and report the transaction by following these steps:
- Open your app and click on the second button (activity icon) on the bottom right.
- Click on the specific transaction under transaction summary.
- Click on Report a problem.
- Alternatively, go to Help Centre in the app to chat with us or submit an enquiry. Our customer service team will require you to complete a dispute form within 14 days from the date of the unauthorised transaction.
In other cases, please go ahead and top up your wallet to balance out the negative amount and to avoid any issue of overdue payments
Related FAQs
Didn’t find what you were looking for?
Have a Personal Instarem account?
- Log in to your account on the Instarem app or web.
- Go to your Profile section.
- Tap on Help.
- Search for the relevant topic.
- Raise a ticket or chat with us if you didn’t find what you were looking for.
Have a Business Instarem account?
- Log into your account on the Instarem business portal.
- Tap on Help.
- Search for the relevant topic.
- 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.
- We’ll get back to you once your request is submitted.
