Whether you’re buying coffee, a sandwich or groceries, Contactless and Chip and PIN payments are quick, easy and secure with your American Express® Card.
We’ve made PIN management easy through your Online Services Account. Log in to your Account for information.
Frequently asked questions
From PIN management to Card security, find out everything you need to know about Chip & PIN payments below.
How can I choose my PIN?
If you have a new Card or have not set up your PIN yet, you can do so by logging into your Account online. If you want to change your PIN please call the number on the back of your Card.
What is a Chip Card and how is it different from a magnetic stripe Card?
A Chip Card contains a small embedded microchip, which encrypts your Account information, making it difficult to duplicate, copy or access. Transactions can only be completed when your Card is inserted into a chip-enabled terminal and you enter your unique PIN – a number that identifies you as the rightful holder of your Card and replaces your signature. This technology is more advanced than magnetic stripe technology, and it will make an already safe payment system even more secure.
Where can I use my American Express Chip Card?
What happens if my American Express Chip Card is stolen?
In the case that your Card is lost or stolen, you should always call American Express immediately.
Do I use the same PIN for cash access?
Yes. The existing PIN on your Card will work for both purchases and cash access. To request a PIN reminder, please log into Online Services.
What happens if my transaction is declined for an incorrect PIN?
If I have more than one Card with Amex, can I select the same PIN for all my Cards?
There are no limitations on the combination of the 4 numeric digits you can select across your Cards. We encourage you to select a PIN that you can easily remember, but difficult for someone to guess.
How should I protect my PIN?
Contactless is just as secure as Chip and PIN, and you are still protected by the same fraud protection and other guarantees.
Use the American Express Mobile App to manage your Account, check your balance and view your transactions.
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