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FRAUD・S NOT YOUR PROBLEM IT'S OURS

Overview

Feel secure knowing we make fraud prevention our business.

Our direct relationships with merchants all over the world mean your transactions are better protected, whilst our early detection systems constantly scan your account for uncharacteristic transactions that we suspect may be fraudulent.   In the unfortunate event of a fraudulent transaction on your account, we offer a Fraud Protection Guarantee. This states that if you're a victim of fraud and have taken reasonable care, you won't be held responsible for any fraudulent charges incurred.

Protect Yourself
  • For your added protection, you should always check your statements thoroughly. This is easy to do with online services where you can check your transactions daily.
  • And did you know you can switch to paper-free online statement to help guard against ID theft?
  • For more information or to find out what else you can do to help stay free of fraud, click here
Fraud Protection Guarantee

Fraud Protection Guarantee

If you're unlucky enough to be a victim of fraud, it's our job to take care of it.  You won't be held responsible for fraudulent charges, as long as you have taken reasonable care with your account details and PIN. So you can relax and spend securely, anywhere in the world. The moment we are alerted to a fraud, our team will work to resolve any issues as soon as possible and return your account to normal.  For example, we'll credit your account in full and arrange a replacement Card with a new and secure Card number.

Protect Yourself
  • For your added protection, you should always check your statements thoroughly. This is easy to do with online services where you can check your transactions daily.
  • And did you know you can switch to paper-free online statement to help guard against ID theft?
  • For more information or to find out what else you can do to help stay free of fraud, click here
Online Fraud Protection

Online Fraud Protection

When you use the American Express Card to purchase over the Internet, you will not be held responsible for any fraudulent charge, provided you notify us immediately upon discovery of any fraudulent transaction on your statement and you have compiled with the Card conditions. "Immediately" means on or before the due date of the statement in which the fraudulent transaction appears.

Protect Yourself
  • When shopping online, only use "secure" web pages. A web page is secure if there is a locked padlock in the lower right-hand corner of your browser, or if the address starts with ．https where the ．s・ stands for secure.
  • If you use wireless internet access, be sure it・s a secure connection and has up-to-date virus protection
     Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understand
  • Never select a PIN or code that・s easily associated with you, such as your date of birth, or a number that can be found on other items that are contained in your wallet or purse
  • Do not tell anyone else your PIN, password or security information
  • Always try to prevent others from watching you enter your PIN at a terminal or ATM.
  • Beware of any parties that call or email you and request your PIN, password or security information. If an American Express representative phones you they will never ask you for this information. We would only ever request your account details and password if you called us.

How to stay free of fraud


Do you always check if an online shop is secure?
Is there any more you could be doing to help prevent fraud?
Click here to find out

Frequently Asked Questions

Any more questions?
Visit our FAQs for additional information.