Promotional FX Rate for First-Time Customers

As a new customer, you may start using Instarem for your transfers abroad and unlock a fantastic offer for a better foreign exchange (“FX”) rate on your first transfer between USD 1-USD 3,000 (the “Promotional FX rate Offer”). You won’t want to miss this! 

Promotional FX Rate Terms & Conditions

• The Promotional FX Rate applies to the first transfer of a first-time customer where the value of the transfer is between USD 1-USD 3,000 (“Qualifying Transfer”). FX rates may vary based upon the country to which you are transferring the funds. 
• The amount of the Promotional FX Rate will be shown on the screen of your Instarem app or web page before you make your first transfer. 
• The Promotional FX Rate Offer is available to qualifying first-time customers only and is limited to one (1) transfer per person. Existing customers are not eligible for this promotion. This Promotional FX Rate Offer is not valid with any other offer. 
• Transfers of less than USD 1.00 will be processed at the regular FX rate applicable to your transaction, and not at the Promotional FX Rate. 
• All FX rates are subject to change from time to time at Instarem’s sole discretion. 
• This is a limited time offer. The Promotional FX Rate Offer will be valid for Qualifying Transfers submitted during the period beginning May 31, 2023 at 12:00 a.m. Pacific Standard Time and ending February 10, 2026 at 11:59 p.m. Pacific Standard Time (the “Promotional FX Rate Offer Period”). 
• Instarem reserves the right to cancel the Promotional FX Rate Offer at any time prior to the end of the Promotional FX Rate Offer Period, with or without prior notice to you. Any Qualifying Transfer will be honored if initiated prior to the cancellation of the Promotional FX Rate Offer. Transfers submitted outside of the Promotional FX Rate Offer Period will not be eligible for the Promotional FX Rate Offer. 
• Insufficient funding of your transfer will make you ineligible for the Promotional FX Rate Offer. The Promotional FX Rate Offer will not be valid for Qualifying Transfers that are cancelled either by you or by Instarem. A transfer is considered “successfully completed” when funds are deposited into your intended recipient’s bank account. If the transaction is not successfully completed, the Promotional FX Rate Offer will no longer be available to the customer for future transfers.  
• You may not participate in the Promotional FX Rate Offer where doing so would be prohibited by any applicable law, statute, or regulations. Instarem reserves the right to limit this Promotional FX Rate Offer to one individual per household. Any attempt by a customer to abuse the Promotional FX Rate Offer by using multiple or different identities, registrations, logins, or any other methods will, in Instarem’s sole discretion, void and disqualify the customer from receiving the Promotional FX Rate Offer.  Instarem reserves the right to disqualify or void transfers that, in its opinion, are intended to circumvent Promotional FX Rate Offer rules, or are deemed to be fraudulent or abusive. 
• Employees of Nium, Inc. and its affiliates are not eligible to participate in the Promotional FX Rate Offer. Business customers of Instarem are not eligible to participate in the Promotional FX Rate Offer. 
• Instarem is a brand of Nium, Inc. and its international affiliates. In the United States, Nium, Inc. operates under a program sponsored by Community Federal Savings Bank, a federal savings bank , to which Nium, Inc. is a service provider.
• The Promotional FX Rate Offer and all use by you of our transfer services are subject to Instarem’s other terms and conditions, which are set forth here: https://www.instarem.com/terms-policies/customer-agreement-us/ 

Limited Time Coupon Offer 

In addition to the Promotional FX Rate Offer, Instarem is also offering a limited-time promotional coupon of USD 5 on your first transfer where that transfer is made during the period beginning 22 September, 2025 at 12:00 a.m. Pacific Standard Time and ending November 10, 2025 at 11.59 p.m. Pacific Standard Time (the “Coupon Offer Period”).
    

Details of the Coupon Offer are as follows:  

• The Coupon Offer is a USD 5 discount on eligible transactions. 

• The Coupon Offer applies to the first transfer of a first-time customer where the value of the transfer is USD1,000 or more.  

• To redeem the Coupon Offer, customers must enter the coupon code WELCOME at the ‘Transfer Summary’ screen when initiating their transaction. 

• The Coupon Offer can only be used once per eligible customer. 

• The Coupon Offer can be combined with the Promotional FX Rate Offer above, but can otherwise not be combined with any other promotional coupon codes. 

Simply log into your account, complete your registration, and enjoy a Promotional FX Rate + USD 5 coupon on your first transfer. 

The Promotional FX Rate Offer and the Coupon Offer 

Check the table for details on how the Promotional FX Rate Offer and Coupon Offer apply to your first transfer:  

All information collected from you shall be subject to CFSB’s Privacy Notice, which is set forth here:   https://www.cfsb.com/wp-content/uploads/2023/03/CFSB-Privacy-Notice_December-2023-FINAL.pdf