thanks for the detailed reply. appreciate it. yup, I would transfer to cimb sg in the future once both accounts activate since no inward remittance fee.
at the end it's not swift code problem, rather instarem needs more documents after processing and sending the fund, only to u turn back. nevertheless, I did send maybank a message and pending reply.

But from what I see, CIMB SG remittance outward is 10 sgd minimum + 30 SGD cable fee + agent fee, so they recoup the cost lost from inward remittance from their outward remittance service.