PayPal | Venmo

You spend with Amex, and now you can send with Amex

Pay any other Venmo or PayPal user with the flexibility of American Express. When you pay friends with Amex, there's no standard credit card fee - and you can even do it right from the American Express® App.*

Send & Split
Send & Split

A more flexible way to pay

Next time your friend hits you with a $500 request for that weekend rental house, pay them back with Amex.

There are two ways to send money:

Send from the Amex App

Send from the Venmo or PayPal app

Here's how to send money from the Amex App:

Send & Split

Go to Your Amex Send Account®

Open the Amex App > Account > Send & Split > Send Money.

Send & Split

Enter the Payment Details

Select any Venmo or PayPal user (they don't need an Amex Card) and enter the amount to send. If you don't have enough in your Send Account balance, instantly add money from your Amex Card.

Send & Split

Complete the Payment

Confirm the payment and your friend will receive the money in their Venmo or PayPal account right away.

Here's how to send money in the Venmo or PayPal app

You can also pay your friends directly from the Venmo or PayPal app simply by selecting Amex Send Account as your payment method.


Just be sure to add money from your Card to your Send Account in the Amex® App first.


To add money to your Send Account, go to the Amex App > Account > Send & Split > Manage Balance.

Send & Split
Send & Split

Frequently Asked Questions

*Terms & Conditions


Send & Split® is only available in the American Express® App (“Amex App”) to Card Members with an eligible Card. Eligible Cards are US-issued Basic Consumer Cards that are issued by American Express National Bank and are not cancelled. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-branded cards or account numbers issued by other financial institutions and American Express Cards issued outside of the United States are not eligible Cards. To use Send & Split, you must first have an email address on file, enroll in Send & Split in your American Express Online Account (“Online Account”) and open an Amex Send® stored balance account in the Amex App (“Send Account”). Send & Split allows you to: (i) send a person-to-person payment from your Send Account to Venmo and PayPal users (“Send”) and (ii) split a Card purchase (“Split”) and receive funds to your Card account as a statement credit or to your linked Venmo or PayPal account. You may use Send & Split with an Additional consumer Card that is issued in the US by American Express National Bank and is not cancelled if you also have an eligible Card in the same Online Account and that Online Account is enrolled in Send & Split. You must have or create an account with Venmo or PayPal and link your Online Account to your PayPal or Venmo account to use Send & Split. You must add money to your Send Account from your eligible Card(s) to Send to a Venmo or PayPal recipient. The money you add will be reflected in your Send Account balance. The charge on your Card for an Add Money transaction does not earn rewards and is subject to the Card’s purchase APR. Once the Send from your Send Account is available in the recipient’s Venmo or PayPal account, you do not have the ability to cancel the transaction. There is no fee to Send to US recipients. PayPal charges a fee to Send to non-US recipients. With Split, you can split pending or posted purchases that are made with your eligible Card in your Amex App. Once you select a purchase to Split, select the contacts you want to request to Split with. You can choose to get paid back as a statement credit to your Card account (a Split credit) or to your linked Venmo or PayPal account. Split credits to your Card account apply when we receive confirmation that the Split request was completed but may take 24-36 hours to post to your Card account. You are still responsible to pay the full purchase amount charged to your Card, regardless of whether you are paid back via Split. You earn rewards for purchases that you split in the same way that you earn rewards for other purchases. Other eligibility and restrictions apply. For complete details visit to view Terms & Conditions. Send Account issued by American Express National Bank.