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What you’ll need to get started:

  • 1The link to FX International Payments.

  • 2Your login details. If you haven’t logged in before, go to the Logging In tutorial.

  • 3Payment details, including the currency and amount you’d like to send.

  • 4Payee information, including their name, address and bank information.

TIP: Outgoing Telegraphic Transfers deposit funds directly into your beneficiary’s account. Outgoing Drafts are paper cheques that can be delivered to you overnight and then sent to your beneficiary by post.

Useful Terms

Visit our Glossary to familiarize yourself with terms and processes referred to throughout this site and the FX International Payments online platform.

Creating a Payment

Go to Create & Manage Payments > Create a Spot Payment, then:

Steps for requesting a quote for making spot payments by entering the currency and amount details.

  • 1Choose Telegraphic Transfers or Outgoing Draft from the Product drop-down menu.

  • 2Select the currency you want to send from the Payment Currency drop-down menu, then enter the Amount you want to send.

  • 3Select whether the Amount is in Foreign Currency or Local Equivalent. For example, if you would like to send 1,000 EURO, select Foreign Currency. If you would like to send $1,000 worth of EURO, select USD Equivalent.

  • 4You can now choose how you want to pay for the transaction from the Settlement Method drop-down menu. If you select Telegraphic Transfer, you’ll need to click the Pay to American Express info button to view receiving bank information. If you select ACH (Automated Clearing House) transfer as the Settlement Method, the debit will normally be sent to your checking account two business days before the selected Value Date.

TIP: The Value Date is the estimated date that the funds will be released to the beneficiary bank. Please note that if additional information is required, the value date may change.

  • 5To batch same-currency wires, check the Hold for Batch box. Once batched payments are created, they can be viewed under Batch Management. Payments sent to Batch Management will not be processed until you go to Batch Management and accept the payments. For more details, view the Batch Management tutorial.

  • 6Once you have entered all the mandatory information, click Quote. The Current Transaction Quote box will then appear with a summary of the transaction details, including the Rate, Fee and Total Cost.

TIP: The Value Date is the estimated date that the funds will be released to the beneficiary bank. Please note that if additional information is required, the value date may change.

Entering Payee Information

You must enter the information for the payee receiving the payment. To do so, either Select from Existing Payee List or Create a New Payee.

Steps to input the payee information that includes bank details and any specific notes/comments about the payee.

  • If you choose to Create a New Payee, manually enter the information in the fields on the right.

  • To complete the Bank Details, use the Bank Search button – there’s more on this below.

  • If you wish to add a note, Notes to Payee will be sent with the payment instruction. Notes for You/Internal comments are for your use only – they will not be viewable by your payee.

TIP: Payees are currency driven – only payees that match the currency selected will be available. For more details, view the Creating and Managing Payees tutorial.

Searching for a Bank

For telegraphic transfers, the payee section will display the Search for Bank option, as well as the related bank information fields. To search:

  • 1Click the magnifying glass icon. A new overlay window will appear.

  • 2Enter the country of the bank you are sending to and provide the required details as indicated.

  • 3Once the correct IBAN, SWIFT or Routing Code has been entered, the bank information will show in the box below. See the Glossary for an explanation of unfamiliar terms.

  • 4Click on the correct bank name, and the bank details will autofill.

Completing your Payment

Once you have entered all the mandatory information, you have three options:

  • 1 Click Accept to execute the transaction immediately.

  • 2Click Send to modify queue to save the transaction for editing before final approval. The transaction can be accessed in Modify a Payment. For more details, view the Modifying a Payment tutorial.

  • 3Click Send for Approval if you do not have the required authorization level to approve the transaction. With this option, you can notify an approver by email by checking the appropriate box. The transaction will be sent to Approve a Payment. For more details, view the Approving a Payment tutorial.

With any of the options above, you will be able to Print details of the transaction or Save as PDF.

Related Tutorials

Contact us

Existing members

Our Customer Service team is available daily from 8am to 6pm, Monday through Friday. 1300-554-884

New members

New to American Express? Give us a call on 1300-885-749. Our Customer Service team is available daily from 8am to 6pm, Monday through Friday.

Make International Payments

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Terms and Conditions

1. We will make all reasonable efforts to ensure prompt delivery of your FXIP Order, however please note transfer times may vary. These transfer times do not take into account differing weekends, public holidays or working hours of foreign banks in other jurisdictions to which your incoming or outgoing FXIP Order has been transferred. Completed FXIP Orders must be received on a Business Day before the respective currency cut off time. FXIP Orders received outside these times will be treated as having been received on the following Business Day.

2. Only American Express FX International Payments clients with a valid American Express Business or Corporate Card are eligible to earn Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program you are enrolled in. You will earn 1 Membership Rewards point for every AUD$30 you spend in foreign currency payments for transactions of AUD$5,000 or more up to a maximum transaction of AUD$300,000. A maximum of 10,000 points will be awarded on any one transaction. Points are calculated on local currency equivalent and will be credited to your account 6 to 8 weeks after making an eligible international payment transaction. American Express foreign currency Telegraphic Transfers, Draft payments, Forward Contract drawdowns or Cross Currency payments are eligible transactions and are subject to change. Offer excludes Australian Dollar transactions. Subject to the Terms and Conditions of the Membership Rewards program.

The information contained in this webpage has been prepared without taking into account your objectives, financial situation or needs. You should read the Financial Services Guide and PDS and consider the appropriateness of International Payments in relation to your individual requirements.

For further information, please refer to the FSG and relevant (Telegraphic Transfers and Forward Exchange Contracts) Product Disclosure Statement (PDS).

International Payments are arranged through American Express International, Inc. (ABN 15 000 618 208 AFSL No. 237996). Incorporated with Limited Liability in Delaware, USA.

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