{"id":97915,"date":"2026-08-11T14:53:48","date_gmt":"2026-08-11T05:23:48","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=97915"},"modified":"2026-08-11T14:53:52","modified_gmt":"2026-08-11T05:23:52","slug":"instarem-discount-code","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/instarem-discount-code\/","title":{"rendered":"Instarem Discount Code &#8211; Save Up to 90% on Bank Transfer Fees"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Here&#8217;s the thing your bank doesn&#8217;t advertise: when you send money overseas, the &#8220;no fee&#8221; transfer often isn&#8217;t free at all &#8211; they just bake their cut into the exchange rate instead, so it&#8217;s harder to spot. Instarem doesn&#8217;t play that game. The Singapore-based transfer service (part of fintech group Nium) has been quietly moving money for over a million customers to 60+ countries since 2014, and it shows you the fee upfront instead of hiding it in the fine print. Here&#8217;s what&#8217;s currently on offer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Latest Instrarem Discount Codes &amp; Deals \u2013 August 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>Last verified: <strong>12 August, 2026<\/strong><\/em>. Our content is \u2714 Updated Weekly \u2714 Verified &nbsp;\u2714 No Expired Deals<\/em><\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-e98c49ef-2701-4b7d-881f-c8f652dc4ce8\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":6,\"order\":\"desc\",\"tag__in\":[\"926\"],\"orderby\":\"date\",\"tax_query\":[{\"relation\":\"AND\",\"0\":{\"taxonomy\":\"offerexpiration\",\"field\":\"name\",\"terms\":\"yes\",\"operator\":\"NOT IN\"}}],\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1912572893\" data-innerargs='{\"aff_link\":\"1\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Instarem: One app for all your overseas transfers\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/instarem\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"lazyload\" data-skip-lazy=\"\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/instarem-discount-code-feature-logo-4-rrq9l9hhjg3jzcyc7gk7ngoewfrzh7hs2k7y6twsig.jpg\" height=\"92\" alt=\"Instarem: One app for all your overseas transfers\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            11 hours ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/instarem\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">Instarem: One app for all your overseas transfers<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nGet better exchange rates, full transparency, and easy tracking of your money.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/instarem\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tview deals\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Use an Instarem Discount Code<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s not complicated. Sign up (Australia, the US, UK, Canada, Singapore, Hong Kong, Malaysia, India and the Eurozone are all covered), punch in how much you&#8217;re sending and where it&#8217;s going, and Instarem will show you the fee before you commit &#8211; no surprises at the end. First-timers often get a welcome perk automatically, so don&#8217;t be surprised if there&#8217;s no code box at all. If there is a live code (check the deals box above), it drops in at checkout.<\/p>\n\n\n\n<!--\n  TCM CTA BLOCK \u2014 Instarem\n  Paste as a Custom HTML block directly after the Final Thoughts section.\n-->\n<style>\n.tcm-cta-outer {\n  background: #0a1f5c;\n  border-radius: 12px;\n  padding: 1.75rem 2rem;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 1.5rem;\n  flex-wrap: wrap;\n  border: 1px solid rgba(184,153,46,0.25);\n}\n.tcm-cta-left {\n  display: flex;\n  align-items: center;\n  gap: 1.25rem;\n  flex: 1;\n  min-width: 200px;\n}\n.tcm-cta-logo {\n  width: 90px;\n  height: 50px;\n  object-fit: contain;\n  background: #ffffff;\n  border-radius: 8px;\n  padding: 6px;\n  flex-shrink: 0;\n}\n.tcm-cta-eyebrow {\n  font-size: 10px;\n  font-weight: 700;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  color: #b8992e;\n  margin: 0 0 5px;\n}\n.tcm-cta-heading {\n  font-size: 19px;\n  font-weight: 700;\n  color: #ffffff;\n  margin: 0 0 6px;\n  line-height: 1.25;\n}\n.tcm-cta-sub {\n  font-size: 13px;\n  color: rgba(255,255,255,0.65);\n  margin: 0;\n  line-height: 1.5;\n}\n.tcm-cta-btn {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  background: #b8992e;\n  color: #ffffff;\n  font-size: 13px;\n  font-weight: 700;\n  text-decoration: none;\n  text-transform: uppercase;\n  letter-spacing: 0.06em;\n  padding: 14px 28px;\n  border-radius: 8px;\n  white-space: nowrap;\n  flex-shrink: 0;\n  box-shadow: 0 3px 12px rgba(184,153,46,0.4);\n}\n@media (max-width: 600px) {\n  .tcm-cta-outer {\n    flex-direction: column;\n    align-items: stretch;\n    padding: 1.25rem;\n  }\n  .tcm-cta-btn {\n    width: 100%;\n    text-align: center;\n  }\n}\n<\/style>\n<div class=\"tcm-cta-outer\">\n  <div class=\"tcm-cta-left\">\n    <img decoding=\"async\" class=\"tcm-cta-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/instarem-discount-code-feature-logo-4.jpg\" alt=\"Instarem\">\n    <div>\n      <p class=\"tcm-cta-eyebrow\">Money Transfer<\/p>\n      <p class=\"tcm-cta-heading\">Stop paying your bank&#8217;s hidden markup.<\/p>\n      <p class=\"tcm-cta-sub\">60+ countries. Fees shown upfront. Points on every transfer.<\/p>\n    <\/div>\n  <\/div>\n  <a class=\"tcm-cta-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/instarem\" target=\"_blank\" rel=\"nofollow sponsored\">\n    See Latest Deals \u2192\n  <\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Can You Save with Instarem?<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Scenario<\/th><th>Bank Transfer<\/th><th>Via Instarem<\/th><th>Approx. Saving<\/th><\/tr><\/thead><tbody><tr><td>AUD 1,000 \u2192 USD<\/td><td>USD 687.62<\/td><td>USD 705.40<\/td><td>USD 17.78<\/td><\/tr><tr><td>AUD 5,000 \u2192 GBP<\/td><td>GBP 2,544.95<\/td><td>GBP 2,597.92<\/td><td>GBP 52.97<\/td><\/tr><tr><td>AUD 1,000 \u2192 INR<\/td><td>INR 65,407.43<\/td><td>INR 67,215<\/td><td>INR 1,807.57<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Prices calculated 11\/8\/2026 12.30pm, Bank Transfer obtained via nab.com.au<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Ways to Save with Instarem in 2026<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Take the welcome offer.<\/strong> New accounts usually get a fee waiver or a better rate on their first go &#8211; don&#8217;t skip it.<\/li>\n\n\n\n<li><strong>Actually use your InstaPoints.<\/strong> They stack on every transfer and most people forget they exist.<\/li>\n\n\n\n<li><strong>Set a rate alert and be patient.<\/strong> Instarem will ping you when your target rate shows up instead of you refreshing the app all week.<\/li>\n\n\n\n<li><strong>Send bigger, less often.<\/strong> The fixed fee matters less the more you&#8217;re moving.<\/li>\n\n\n\n<li><strong>Check your exact route before assuming it&#8217;s cheap.<\/strong> Instarem only sends from about 8 origin countries, so coverage and pricing shift depending on where you&#8217;re starting from.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is Instarem?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem, short for Instant Remittance, which tells you everything about its founders&#8217; priorities. It was started in Singapore in 2014 by Prajit Nanu and Michael Bermingham. It&#8217;s since been folded into Nium, one of Asia&#8217;s fintech unicorns, and now moves money for more than a million customers across 60-odd countries. It&#8217;s properly regulated too with  ASIC and AUSTRAC oversight in Australia, <a href=\"https:\/\/www.iso.org\/standard\/27001\">ISO 27001 security certification<\/a> &#8211; so this isn&#8217;t some backyard operation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The whole pitch is refreshingly simple: no hidden markup buried in the exchange rate, which is the actual trick banks have been getting away with for decades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instarem scores 4.4\/5 \u2013 Excellent. From 8018 reviews on <a href=\"https:\/\/au.trustpilot.com\/review\/instarem.com\">Trustpilot<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is Instarem Worth It in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re currently sending money through your bank, switching to Instarem is close to a no-brainer &#8211; you&#8217;ll almost certainly come out ahead, and you&#8217;ll actually be able to see what you&#8217;re paying for once instead of guessing. Where it gets murkier is against other specialist transfer apps like Wise, where the cheapest option really does depend on your specific route. Worth a two-minute comparison before you commit either way.<\/p>\n\n\n<div class=\"rate_bar_wrap\"><div class=\"wpsm-one-half\"><div class=\"wpsm_pros\"><div class=\"title_pros\">Positive<\/div><ul><li>Upfront pricing<\/li><li>Fast transfers<\/li><li>Loyalty points that are actually worth using<\/li><li>Solid regulatory backing<\/li><\/ul><\/div><\/div><div class=\"wpsm-one-half\"><div class=\"wpsm_cons\"><div class=\"title_cons\">Negatives<\/div><ul><li>Fewer sending countries than some rivals<\/li><li>Support is chat\/ticket only<\/li><\/ul><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">How Instarem Promo Codes Work \/ Why Your Code Might Not Work<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Codes expire fast in this space, so the first thing to check is whether yours is still current &#8211; the deals box above is the source of truth, not that email from three months ago. Beyond that: most welcome offers are one-per-account, so they won&#8217;t reapply on your second transfer; some are tied to specific corridors or a minimum amount; and a chunk of Instarem&#8217;s perks (like InstaPoints redemptions) aren&#8217;t &#8220;codes&#8221; at all, they just apply automatically.<\/p>\n\n\n\n<!--\n  TCM CTA BLOCK \u2014 Instarem\n  Paste as a Custom HTML block directly after the Final Thoughts section.\n-->\n<style>\n.tcm-cta-outer {\n  background: #0a1f5c;\n  border-radius: 12px;\n  padding: 1.75rem 2rem;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 1.5rem;\n  flex-wrap: wrap;\n  border: 1px solid rgba(184,153,46,0.25);\n}\n.tcm-cta-left {\n  display: flex;\n  align-items: center;\n  gap: 1.25rem;\n  flex: 1;\n  min-width: 200px;\n}\n.tcm-cta-logo {\n  width: 90px;\n  height: 50px;\n  object-fit: contain;\n  background: #ffffff;\n  border-radius: 8px;\n  padding: 6px;\n  flex-shrink: 0;\n}\n.tcm-cta-eyebrow {\n  font-size: 10px;\n  font-weight: 700;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  color: #b8992e;\n  margin: 0 0 5px;\n}\n.tcm-cta-heading {\n  font-size: 19px;\n  font-weight: 700;\n  color: #ffffff;\n  margin: 0 0 6px;\n  line-height: 1.25;\n}\n.tcm-cta-sub {\n  font-size: 13px;\n  color: rgba(255,255,255,0.65);\n  margin: 0;\n  line-height: 1.5;\n}\n.tcm-cta-btn {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  background: #b8992e;\n  color: #ffffff;\n  font-size: 13px;\n  font-weight: 700;\n  text-decoration: none;\n  text-transform: uppercase;\n  letter-spacing: 0.06em;\n  padding: 14px 28px;\n  border-radius: 8px;\n  white-space: nowrap;\n  flex-shrink: 0;\n  box-shadow: 0 3px 12px rgba(184,153,46,0.4);\n}\n@media (max-width: 600px) {\n  .tcm-cta-outer {\n    flex-direction: column;\n    align-items: stretch;\n    padding: 1.25rem;\n  }\n  .tcm-cta-btn {\n    width: 100%;\n    text-align: center;\n  }\n}\n<\/style>\n<div class=\"tcm-cta-outer\">\n  <div class=\"tcm-cta-left\">\n    <img decoding=\"async\" class=\"tcm-cta-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/instarem-discount-code-feature-logo-4.jpg\" alt=\"Instarem\">\n    <div>\n      <p class=\"tcm-cta-eyebrow\">Money Transfer<\/p>\n      <p class=\"tcm-cta-heading\">Stop paying your bank&#8217;s hidden markup.<\/p>\n      <p class=\"tcm-cta-sub\">60+ countries. Fees shown upfront. Points on every transfer.<\/p>\n    <\/div>\n  <\/div>\n  <a class=\"tcm-cta-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/instarem\" target=\"_blank\" rel=\"nofollow sponsored\">\n    See Latest Deals \u2192\n  <\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts: Best Instarem Deals Right Now in 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every dollar your bank quietly clips on an exchange rate is a dollar Instarem is trying to hand back to you. Check what&#8217;s live above, run the numbers on your specific transfer, and stop paying the invisible tax.<\/p>\n\n\n\n<style>\n.tcm-rental-section { max-width: 860px; margin: 0 auto 3rem; padding-top: 20px; }\n.tcm-rental-section * { box-sizing: border-box; }\n\n.tcm-rental-section-header {\n  display: flex;\n  align-items: center;\n  gap: 12px;\n  margin-bottom: 6px;\n  padding-bottom: 12px;\n  border-bottom: 2px solid #0a1f5c;\n}\n.tcm-rental-section-icon {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: 42px; height: 42px;\n  background: #0a1f5c;\n  border-radius: 10px;\n  flex-shrink: 0;\n  box-shadow: 0 3px 8px rgba(10,31,92,0.3);\n}\n.tcm-rental-section-icon svg { width: 20px; height: 20px; display: block; }\n.tcm-rental-section-title,\nhtml body.wp-theme-rehub-theme .elementor-widget-container h2.tcm-rental-section-title {\n  font-size: 20px !important;\n  font-weight: 700 !important;\n  color: #0a1f5c !important;\n  letter-spacing: -0.01em !important;\n  margin: 0 !important;\n  line-height: 1.3 !important;\n  background: none !important;\n}\n.tcm-rental-section-desc {\n  font-size: 13px;\n  color: #555;\n  line-height: 1.65;\n  margin: 10px 0 16px;\n  max-width: 640px;\n}\n\n.tcm-rental-grid {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 14px;\n}\n@media (max-width: 700px) { .tcm-rental-grid { grid-template-columns: repeat(2, 1fr); } }\n@media (max-width: 480px) { .tcm-rental-grid { grid-template-columns: minmax(0, 1fr); } }\n\n.tcm-rental-card {\n  background: #ffffff;\n  border: 1px solid rgba(10,31,92,0.1);\n  border-top: 4px solid #b8992e;\n  border-radius: 10px;\n  padding: 1rem 1.1rem 0.9rem;\n  text-decoration: none;\n  display: flex;\n  flex-direction: column;\n  gap: 7px;\n  box-shadow: 0 2px 6px rgba(10,31,92,0.07);\n  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;\n}\n.tcm-rental-card:hover {\n  transform: translateY(-3px);\n  box-shadow: 0 10px 22px rgba(10,31,92,0.16);\n  border-color: rgba(184,153,46,0.5);\n}\n.tcm-rental-card-header {\n  display: flex;\n  align-items: center;\n  gap: 10px;\n}\n.tcm-rental-card-icon {\n  width: 44px; height: 44px;\n  border-radius: 9px;\n  background: #ffffff;\n  border: 1px solid rgba(10,31,92,0.12);\n  display: flex; align-items: center; justify-content: center;\n  flex-shrink: 0;\n  padding: 6px;\n  transition: border-color 0.15s ease, box-shadow 0.15s ease;\n}\n.tcm-rental-card-icon img {\n  max-width: 100%;\n  max-height: 100%;\n  object-fit: contain;\n  display: block;\n}\n.tcm-rental-card:hover .tcm-rental-card-icon { border-color: #b8992e; box-shadow: 0 3px 8px rgba(184,153,46,0.25); }\n.tcm-rental-card-name {\n  font-size: 15px;\n  font-weight: 700;\n  color: #0a1f5c;\n  line-height: 1.3;\n}\n.tcm-rental-card-desc {\n  font-size: 12px;\n  color: #666;\n  line-height: 1.5;\n}\n.tcm-rental-card-footer {\n  display: flex;\n  align-items: center;\n  justify-content: flex-end;\n  margin-top: 6px;\n}\n.tcm-rental-arrow { display: inline-flex; transition: transform 0.15s ease; }\n.tcm-rental-arrow svg { width: 14px; height: 14px; display: block; }\n.tcm-rental-card:hover .tcm-rental-arrow { transform: translateX(4px); }\n<\/style>\n\n<div class=\"tcm-rental-section\">\n  <div class=\"tcm-rental-section-header\">\n    <div class=\"tcm-rental-section-icon\">\n      <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#b8992e\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\n        <path d=\"M7 10h11\"><\/path>\n        <path d=\"M15 6l3 4l-3 4\"><\/path>\n        <path d=\"M17 14h-11\"><\/path>\n        <path d=\"M9 18l-3 -4l3 -4\"><\/path>\n      <\/svg>\n    <\/div>\n    <h2 class=\"tcm-rental-section-title\">Compare Other Currency Transfer Companies<\/h2>\n  <\/div>\n  <p class=\"tcm-rental-section-desc\">Fees, exchange rates and coverage all vary between providers \u2014 it&#8217;s worth checking more than one before you send. See our full <a href=\"https:\/\/thechampagnemile.com.au\/deals\/banking-finance-promo-codes\/\" style=\"color:#0a1f5c !important; font-weight:700; text-decoration:underline;\">banking &amp; finance discount codes<\/a> guide for every provider we cover.<\/p>\n  <div class=\"tcm-rental-grid\" id=\"tcm-rental-grid\"><\/div>\n<\/div>\n\n<script>\n(function () {\n\n  \/* =====================================================================\n     EDIT ME \u2014 delete the object for whichever company this page already\n     covers, so the remaining companies show as \"other options\".\n     ===================================================================== *\/\n  const rentalCompanies = [\n    \n    { name: \"XE\",       logo: \"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/xe-discount-code-feature-logo-4.jpg\", url: \"https:\/\/thechampagnemile.com.au\/deals\/xe-discount-code\/\", desc: \"The internet's original currency authority since 1993 \u2014 huge coverage across 190+ countries and 130+ currencies.\" },\n    { name: \"Wise\",      logo: \"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/wise-discount-code-feature-logo-4.jpg\", url: \"https:\/\/thechampagnemile.com.au\/deals\/wise-discount-code\/\", desc: \"Built around the real mid-market rate with nothing hidden in the margin, plus a multi-currency account and card.\" },\n  ];\n\n  const arrowSvg = '<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#b8992e\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">' +\n    '<path d=\"M5 12l14 0\"><\/path><path d=\"M13 18l6 -6\"><\/path><path d=\"M13 6l6 6\"><\/path><\/svg>';\n\n  function esc(s) {\n    return String(s).replace(\/[&<>\"']\/g, function (c) {\n      return { \"&\": \"&amp;\", \"<\": \"&lt;\", \">\": \"&gt;\", '\"': \"&quot;\", \"'\": \"&#39;\" }[c];\n    });\n  }\n\n  function card(item) {\n    return (\n      '<a class=\"tcm-rental-card\" href=\"' + esc(item.url) + '\" target=\"_blank\" rel=\"noopener\">' +\n        '<div class=\"tcm-rental-card-header\">' +\n          '<div class=\"tcm-rental-card-icon\"><img decoding=\"async\" src=\"' + esc(item.logo) + '\" alt=\"' + esc(item.name) + ' logo\" loading=\"lazy\"><\/div>' +\n          '<span class=\"tcm-rental-card-name\">' + esc(item.name) + '<\/span>' +\n        '<\/div>' +\n        '<span class=\"tcm-rental-card-desc\">' + esc(item.desc) + '<\/span>' +\n        '<div class=\"tcm-rental-card-footer\"><span class=\"tcm-rental-arrow\">' + arrowSvg + '<\/span><\/div>' +\n      '<\/a>'\n    );\n  }\n\n  document.getElementById(\"tcm-rental-grid\").innerHTML =\n    rentalCompanies.map(card).join(\"\");\n\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is Instarem legit?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. It&#8217;s regulated, backed by fintech group Nium, and has been moving money for over a million customers since 2014.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does Instarem hide fees in the exchange rate like banks do?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No &#8211; that&#8217;s the whole point of the platform. The fee is shown before you confirm.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How fast are Instarem transfers?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Usually within a day, sometimes minutes depending on the route.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does Instarem work from Australia?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. Instarem is regulated by ASIC and AUSTRAC and fully available to Australian senders.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\"><strong>What are InstaPoints actually good for?<\/strong><\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">They accumulate on every transfer and can be redeemed for perks on future sends &#8211; small but adds up if you transfer regularly.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does the person receiving the money need an Instarem account?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No, funds land straight in their bank account.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\"><strong>Is it actually cheaper than my bank?<\/strong><\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">In almost every case, yes &#8211; banks rarely compete once you strip out their hidden margin.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\"><strong>My promo code isn&#8217;t working &#8211; why?<\/strong><\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It&#8217;s probably expired, tied to a different corridor, needs a minimum amount, or was a one-time new-account perk you&#8217;ve already used.<\/p>\n<\/div><\/div>\n\n\n<div id=\"rh-postel-479652576\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-479652576 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-479652576 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='michael' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">michael<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael is a contributor to The Champagne Mile &#8211; Deals. No fancy credentials &#8211; just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who&#8217;ll listen. Michael figures there are plenty of other Australians who&#8217;d rather spend five seconds clicking a link than five hours searching for a working code.\r\n\r\nWhen he&#8217;s not buried in promo codes, Michael is probably planning his next trip overseas or dirtbike adventure.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s the thing your bank doesn&#8217;t advertise: when you send money overseas, the &#8220;no fee&#8221; transfer often isn&#8217;t free at all &#8211; they just bake their cut into the exchange rate instead, so it&#8217;s harder to spot. Instarem doesn&#8217;t play that game. The Singapore-based transfer service (part of fintech group Nium) has been quietly moving [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":97920,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-97915","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Stop letting your bank skim your exchange rate. Instarem sends money to 60+ countries with fees you can actually see. 1 million+ customers can&#039;t be wrong.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/instarem-discount-code\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Instarem Discount Code \u2013 Save Up to 90% on Bank Transfer Fees - August 2026\" \/>\n\t\t<meta property=\"og:description\" content=\"Stop letting your bank skim your exchange rate. Instarem sends money to 60+ countries with fees you can actually see. 1 million+ customers can&#039;t be wrong.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/instarem-discount-code\/\" \/>\n\t\t<meta property=\"fb:admins\" content=\"522783484576523\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/instarem-discount-code-feature-logo-4.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/instarem-discount-code-feature-logo-4.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-08-11T05:23:48+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-08-11T05:23:52+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/champmile\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:site\" content=\"@milechampagne\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Instarem Discount Code \u2013 Save Up to 90% on Bank Transfer Fees - August 2026\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Stop letting your bank skim your exchange rate. Instarem sends money to 60+ countries with fees you can actually see. 1 million+ customers can&#039;t be wrong.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/instarem-discount-code-feature-logo-4.jpg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/instarem-discount-code\\\/#aioseo-article-mso25cam\",\"name\":\"Instarem Discount Code &#8211; Save Up to 90% on Bank Transfer Fees\",\"headline\":\"Instarem Discount Code &#8211; Save Up to 90% on Bank Transfer Fees\",\"author\":{\"@type\":\"Person\",\"name\":\"michael\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/author\\\/michael\\\/\"},\"publisher\":{\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/instarem-discount-code-feature-logo-4.jpg\",\"width\":1200,\"height\":630},\"datePublished\":\"2026-08-11T14:53:48+09:30\",\"dateModified\":\"2026-08-11T14:53:52+09:30\",\"inLanguage\":\"en-AU\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/instarem-discount-code\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals#listItem\",\"position\":1,\"name\":\"Home\"}]},{\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/instarem-discount-code\\\/#faq\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/instarem-discount-code\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is Instarem legit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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