The simple, speedy & secure way to pay
Why Pay with Bank transfer?
Pay with Bank transfer allows you to pay for products and services directly from your bank account, without the need for using a debit or credit card.
Pay with speed
No Card details to fill in
Pay with ease
Everything is in one place
Pay with no worries
Double authentication
A seamless check-out process
Frequently asked questions
Pay with Bank transfer is a way to securely pay for goods or services via a direct transfer from your bank account. It’s really simple to use and takes place in just a few quick clicks with no account set up required. What’s more, with the payment itself being handled entirely by your bank, you benefit from bank-grade security, and none of your payment details being stored by American Express or the business you are buying from.
It’s powered by American Express, but open to everyone.
After you click to Pay with Bank transfer and select your preferred bank, we will securely re-direct you to your bank’s app or online environment. You will authenticate yourself directly to your bank using its normal method, and your bank uses your personal information only to verify your identity and confirm sufficient available funds for the purchase. Your personal payment information will not be stored by American Express or the business you are buying from.
Currently it works with all the major UK banks, and we’re always adding more challenger or smaller banks.
Pay with Bank transfer is available whenever you see the logo as an option at checkout.
Certain banks may impose a transaction amount limit for very large purchases.
That’s it! There’s no account set up or card details required, and if you have your bank app installed on your phone, you can often authenticate using biometrics.
All you need to use Pay with Bank transfer is a UK bank account with one of our supported banks (all major and most challenger banks). You will also need to have online banking enabled for your account.
Whilst Pay with Bank transfer is powered by American Express, you do not need to be an American Express Cardmember to use it.
The transaction will be reflected on your bank statement issued by the bank you selected to make the payment from.
No, you won’t incur any fees for Paying with Bank transfer.
No, Pay with Bank transfer is powered by American Express but open to everyone, so you don’t need to have an American Express Card. All you need is a UK bank account with one of our supported banks (all major banks and most challenger banks).
Once the transaction has been approved by your bank, your bank account will be debited instantly, so no pending payments.
If you need a refund or return please contact the business you made the purchase from. All refunds and returns will be processed by the business and are subject to their refund and returns processes.
If you do not receive the goods or services you purchased then please contact the business you have made the purchase from. Please keep your order number handy so that the business can track the transaction and assist you.
American Express® Cardmembers
If you are using Pay with Bank transfer to pay off your statement and have questions, please get in touch using one of the methods below.
Start Live Chat
To chat with a Customer Care Professional, please click the Chat icon (you must be logged into your Account)
Call Us
Select the product you have below to help solve your query, or call the number on the back of your Card
We’re available 24/7
Not an American Express Cardmember?
If you are a customer using Pay with Bank transfer at checkout and the payment hasn’t going through, please contact your bank directly.