Manage Instarem

How to cancel instarem: your complete singapore guide to reclaiming control

What is instarem and why you might want to leave

Instarem is a digital payments platform that serves personal and business customers across Singapore with international money transfers, debit card services, and travel eSIM products. The platform positions itself as a convenient hub for cross-border transactions and everyday payments, but if the service no longer fits your needs, Stopee is here to walk you through every cancellation method available.

Core services you may be cancelling

Instarem operates three main service lines. First, cross-border money transfers allow you to send funds internationally with transparent fee structures. Second, the Amaze Card functions as a debit card for in-store payments and ATM withdrawals, linked directly to your Instarem account. Third, the eSIM data service lets you purchase mobile data for travel without switching physical SIM cards.

Each service can be cancelled independently, and Stopee recommends understanding which products you actually hold before you contact support. Many users cancel because fees add up, features feel redundant with their bank account, or they've simply moved to a competitor. Whatever your reason, the process is straightforward when you follow the right steps.

When cancellation makes sense

You might cancel Instarem if recurring transfer fees exceed what your bank charges, if you no longer travel internationally and the eSIM sits unused, or if you prefer consolidating payments into a single banking app. Some users cancel after switching to another fintech platform that offers better rates or more features. Others cancel because an unwanted charge appeared on their account and they lost confidence in the service.

At Stopee, we believe you should never feel locked into a service. If Instarem is not delivering value, your next step is cancellation, and we'll ensure you do it correctly.

Your rights as a consumer in singapore

Singapore's Consumer Protection (Fair Trading) Act protects your right to cancel services and receive refunds under specific conditions.

What the law guarantees you

Under the Consumer Protection (Fair Trading) Act, if Instarem fails to deliver the service you paid for or misrepresents a feature, you have grounds to request a refund or cancellation. If a transaction is unauthorised or executed incorrectly, you are entitled to a chargeback investigation. The Monetary Authority of Singapore (MAS) oversees digital payment providers and enforces these protections.

Stopee recommends you document all communication with Instarem support. Save emails, screenshots of chat logs, and records of any charges you dispute. If Instarem refuses to honour your cancellation request or withholds a refund you believe you are owed, you can escalate to the MAS Consumer Assist portal or file a complaint with the Consumer Association of Singapore (CASE).

What you need to know about timelines

Most consumer protection timelines in Singapore run from 14 to 30 days. For eSIM refunds, Instarem's own policy sets a 30-day window from purchase. For unauthorised transactions, report them within 30 days to qualify for investigation. The longer you wait, the weaker your case becomes, so act quickly if you spot a problem.

How to cancel instarem: step-by-step methods

Instarem offers multiple cancellation routes depending on which service you want to drop.

Cancel the amaze debit card

Your Amaze Card is the most common Instarem product users cancel. Here's how to do it correctly.

1. Open the Instarem app on your mobile device and log in with your credentials.
   • If you do not have the app, download it from the Google Play Store or Apple App Store and sign in.
2. Navigate to the "Cards" or "Amaze Card" section in your account menu.
   • Look for a settings icon or "Manage Card" option.
3. Select your Amaze Card and choose "Request Cancellation" or "Deactivate Card".
   • Some versions of the app may show this as "Close Card" or "Terminate Card".
4. Confirm your request and take a screenshot of the confirmation message for your records.
   • Instarem will display a reference number; save this for follow-up.
5. Wait for email confirmation from Instarem within 2 to 3 business days.
   • The confirmation email will confirm the effective cancellation date.
6. Destroy or return the physical Amaze Card as instructed in the confirmation email.
   • Pro tip: Cut the card in half and photograph it before discarding. Some providers request visual proof of destruction.

Important note: The Amaze Card Terms and Conditions require you to provide at least 30 days advance notice before the card can be fully closed. If you submit your cancellation request today, Instarem will process it, but the card remains active for one month. During that period, avoid using the card and monitor it for unauthorised charges.

Cancel your entire instarem account

Closing your full Instarem account removes access to all services. Follow these steps to delete your account permanently.

1. Log into the Instarem app or visit the Instarem website via a web browser.
2. Go to "Settings" and select "Account" or "Profile".
3. Scroll down to "Account Deletion" or "Close Account" and tap it.
   • If you do not see this option in the app, use the Help Centre chat feature to request account deletion.
4. Answer any security questions Instarem asks (they may confirm your identity or ask why you are leaving).
   • Be honest but brief; your reason for leaving is not grounds for Instarem to refuse.
5. Submit your deletion request and receive a reference number.
   • Screenshot this number for proof of submission.
6. Check your email for a confirmation message within 5 to 7 business days.
   • Instarem may take up to 30 days to fully wipe your data from their servers after deletion, but your access is revoked immediately.

Warning: Account deletion is permanent. Instarem will remove your transaction history, stored payment methods, and personal data. If you think you might return to Instarem later, consider pausing services instead of deleting your account.

Stop recurring transfers

If you have set up automatic money transfers, you can pause or cancel them individually without closing your whole account.

1. Open the Instarem Singapore app and log in.
2. Find "Transfers" or "Send Money" in the main menu.
3. Locate the recurring transfer you want to stop (it will be marked as "Recurring" or "Scheduled").
4. To pause the next execution: tap the transfer and select "Skip Next" or "Pause".
   • You can skip up to 2 days before the scheduled transfer date.
5. To cancel just the upcoming execution: cancel up to 1 day before the transfer runs.
   • The transfer will resume after that date unless you delete it entirely.
6. To permanently delete the recurring instruction: select "Delete Recurring Transfer" up to 24 hours before execution.
   • Pro tip: Set a phone reminder 2 days before your next transfer is due so you have time to cancel if needed.

What happens when you cancel instarem

Understanding the consequences of cancellation helps you avoid surprises and protect your finances.

Your account access disappears immediately

Once you submit a cancellation request, Instarem removes your login access to the app and website within hours. You can no longer view your transaction history, add new payment methods, or initiate transfers. Stopee recommends you download or screenshot any important records before you submit your cancellation, especially if you need proof of past transactions for tax or legal purposes.

Instarem retains some data for compliance and fraud prevention reasons, but your personal information (name, address, bank details) will be deleted according to their privacy policy, typically within 30 to 90 days. Recurring transfers and standing orders stop executing after the cancellation window closes.

The amaze card stops working after 30 days

When you cancel your Amaze Card, it does not become unusable instantly. The card remains active for the mandatory 30-day notice period. Any transactions you make during those 30 days will still go through, so avoid using the card. After 30 days, the card is deactivated and point-of-sale terminals will decline it. You cannot make ATM withdrawals or online purchases with a cancelled card.

Keep the physical card until Instarem confirms cancellation. Do not throw it away prematurely; you may need to prove you held it if a dispute arises. Once Instarem officially closes the card, destroy it securely.

ESIM data and stored information are lost

If you have active eSIM data purchased through Instarem, cancelling your account does not automatically refund unused data. Once your account is deleted, you cannot access the eSIM management portal to extend or refund data packages. If you purchased eSIM data you have not yet used, request a refund before you delete your account (see the refund section below).

Refunds: what you can recover and how long it takes

Not every cancellation comes with a refund, but several scenarios qualify you for money back.

ESIM purchase refunds

Instarem's eSIM Refund and Cancellation Policy gives you a 30-day window to request a refund if you cannot use the eSIM due to an error on Instarem's side (for example, the data was not activated, or the service was not available in your destination country).

You do not qualify for a refund if Instarem resolved your issue within 10 days, if you installed the eSIM and then changed your mind, or if your data package expired before use. Other reasons for refund requests (like "I changed my mind" or "I found cheaper data elsewhere") are reviewed case-by-case and may incur a processing fee of SGD $10 to SGD $30.

Refunds take up to 30 business days to appear in your original payment method. Stopee advises you to request eSIM refunds via the Help Centre chat as soon as the problem occurs, so you do not miss the 30-day deadline.

Transaction and unauthorised charge refunds

If Instarem charged you without your authorisation or executed a transfer to the wrong recipient, you are entitled to a refund investigation. Report the issue within 30 days to Instarem support or file a dispute through your bank. After Instarem investigates (typically 10 to 21 business days), they will either reverse the charge or explain why it was valid. If the transaction was your error (you entered the wrong account number, for example), you cannot recover the money from Instarem, but your bank may be able to contact the recipient's bank and request a recall.

Warning: If you report an unauthorised transaction after 30 days, Instarem may refuse to investigate, claiming the claim is stale. Document the date of the charge immediately and contact support the same day if it looks wrong.

Refund timelines by payment method

Stopee recommends initiating refund requests early in the week (Monday to Wednesday) so they process before the weekend. If a refund does not appear after the stated timeline, contact Instarem support with your transaction ID and ask for a trace.

Common mistakes to avoid when cancelling

Cancelling should be straightforward, but small oversights can leave you vulnerable to unwanted charges or data loss.

Mistake one: not waiting out the 30-day notice period

Many users believe their Amaze Card cancels immediately after submitting a request. It does not. The 30-day notice period is mandatory, and Instarem will not bend this rule. If you cancel today, the card is still active for the next month. Stop using it, but do not assume it is dead. Set a calendar reminder for day 31 to confirm the card has actually been closed.

Mistake two: deleting your account before requesting refunds

If you delete your Instarem account and then discover an eSIM refund claim or a disputed transaction, you cannot access your account to submit the refund request. Instarem support may still help you, but the process becomes slower and more painful. Always handle refunds first, cancellations second.

Mistake three: ignoring the confirmation email

Instarem sends a confirmation email once your cancellation is processed. Some users delete this email immediately or let it sit in spam. Keep it. This email contains your cancellation reference number, the effective date, and any instructions about returning the physical card. You need this proof if Instarem claims they never received your request or if a charge appears after the cancellation date.

Mistake four: not checking for linked services or auto-renewals

If you have eSIM data set to auto-renew or a recurring transfer scheduled, cancelling your account does not stop these automatically in all cases. Log in before you delete your account and manually switch off any auto-renew toggles. This prevents a surprise charge from appearing after you thought you had cancelled.

Checklist: cancellation steps you must complete

Use this checklist to ensure you have covered every base before you cancel Instarem.

• Step 1: Download your transaction history and any important documents from your Instarem account.
• Step 2: Check for active eSIM data and request a refund if it is unused.
• Step 3: Review any recurring transfers and manually cancel or pause them.
• Step 4: Check your funding method (linked bank account or card) and ensure no payment method is set to auto-renew.
• Step 5: Report any unauthorised charges or disputed transactions within 30 days.
• Step 6: Submit your Amaze Card or account cancellation request via the app or Help Centre chat.
• Step 7: Take a screenshot of the cancellation reference number and confirmation message.
• Step 8: Save the confirmation email Instarem sends within 2 to 3 business days.
• Step 9: Set a calendar reminder for 31 days after cancellation to verify the card or account has been closed.
• Step 10: Destroy the physical Amaze Card securely (cut and photograph it, or shred it).

When you should keep instarem open instead of cancelling

Cancellation is not always the answer. Consider keeping your Instarem account active if you frequently send money internationally and their exchange rates beat your bank, if you travel often and the eSIM service saves you money on roaming charges, or if you use the Amaze Card as a backup payment method when your main card is unavailable.

You can also pause services instead of cancelling. Pause your recurring transfers, disable auto-renew on eSIM, and simply stop using the card without formally closing it. This option preserves your account history and your ability to return if needs change.

Contact information and cancellation addresses

If you need to escalate a cancellation issue beyond the app, use these contact points.

Instarem support channels

Instarem provides support through the in-app Help Centre chat, which is the fastest method. You can also send a written cancellation request to their registered address in Singapore.

Legal and headquarters addresses for instarem (Nium pte. ltd.)

Primary registered address:
168 Robinson Road
#18-03/04 Capital Tower
Singapore 068912

Alternative headquarters address (for formal notices):
16 Raffles Quay
#20-05 Hong Leong Building
Singapore 048581

Stopee recommends sending cancellation letters to the Robinson Road address via registered post if you want a paper trail. Include your full name, account number, date of birth, and a clear statement: "I request immediate cancellation of my Instarem account and Amaze Card effective immediately. Please confirm cancellation in writing within 7 business days."

Escalation: regulatory contacts

If Instarem refuses to honour your cancellation or withholds a refund you believe you are owed, escalate to:

• Monetary Authority of Singapore (MAS) Consumer Assist: Call 6225 5535 or visit www.mas.gov.sg. The MAS oversees digital payment providers and can investigate complaints.
• Consumer Association of Singapore (CASE): Call 6461 0000 or file a complaint at www.case.org.sg. CASE mediates disputes between consumers and businesses.

Stopee has helped thousands of consumers cancel Instarem safely and recover refunds by following these exact steps. You now have the knowledge and the contacts you need to cancel Instarem with confidence. Whether you are closing your account permanently or just cancelling the Amaze Card, this guide ensures you avoid traps, protect your data, and reclaim the money you are owed.