Terms & Conditions

We maintain complete transparency and would like you to take an informed decision at each step of your journey with us. Please refer to the below documents for our policies and notices.


Nium Direct Services Agreement

Data Protection Agreement


Terms and Conditions

Cookie Policy


Terms and Conditions


Terms & Conditions

Complaints Procedure

Cookie Policy

Consumer Rights When Making Payments in Europe

Hong Kong

Terms and Conditions

Business (SME) Terms & Conditions


Terms and Conditions

OPGSP Terms and Conditions 

Nium India Office Visitors - Privacy Notice


Nium Japan Kabushiki Kaisha Privacy Notice Statement

International Money Transfer Terms & Conditions

NIUM Japan’s AML/CFT and Countering Anti-Social Forces Principle

International Money Transfer Terms of Use


Terms and Conditions

MAMSB Membership

Help Us Serve You Better

Notis Kepada Pelanggan / Notice to Customer

Nium Travel (Ixaris)

Nium Travel Privacy Notice


Terms and Conditions

Amaze Terms and Conditions

Business (SME) Terms & Conditions

United Kingdom

Terms and Conditions

United States

Customer Agreement

Business (SME) Terms & Conditions

California Resident Privacy Notice

Nium Services Agreement

Website Terms of Use

These terms of use (the ‘terms’), as amended by us from time to time, set out the basis on which you may use the website of (the ‘website’) and provide important information about the way we provide our services.

By accessing the website, you agree to be legally bound by the terms. You are not allowed to use the website if you do not fully agree to the terms.

The website is owned and operated by NIUM Pte. Limited (formerly known as InstaReM Pte. Ltd., hereinafter Nium).

1. Disclaimer

The website and its contents are provided for general information purposes only and nothing on this website or in its contents is intended to provide legal, data protection compliance or other professional advice. We do not accept any responsibility for any loss which may arise from reliance on information or materials published on this website.

To the extent permissible by applicable laws we are not responsible or liable for any matter relating to you or any third parties accessing or using this website and its contents.

2. Copyright and trademarks

The website, website content, website code, domain name, and all copyrights, trademarks, corporate names and all other intellectual property or property therein are fully owned by the website operator and/or licensors and/or content providers, and are protected by applicable domestic and international intellectual property and other laws.

Unless expressly permitted by the website operator, you shall not copy, capture, reproduce, perform, transfer, sell, license, modify, create derivative works from or based upon, republish, submit, edit, post, transmit, publicly display, frame, distribute, or exploit in whole or in part the website, the website content or website code, or otherwise use the website, website content or website code, in any form or by any means.

The trademarks or logos included on the site may, however, not be reproduced, published, distributed or used in other ways without the prior written consent of Nium.

3. Licence

The website operator grants you in accordance with these terms a non-exclusive, non-transferable, limited right and license to access and use the website and the website content, provided that you comply fully with these terms. You agree not to interfere with or disrupt the website or disobey any legal requirements.

4. Applicable Law and Jurisdiction

These terms shall be governed by applicable laws.

5. Changes

Nium may, at our sole discretion, change, modify, add or remove any portion of the website, the website content and/or these terms, in whole or in part, at any time. Changes to these terms will be effective when posted. You agree to review these terms periodically to become aware of any changes.

6. Contact 

For any information regarding the website and services provided by Nium please contact us via email [email protected]

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