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Personal Money Transfer FAQ’s

Click here to see the currencies available for personal international payments.


How do I register for an International Payments account?

Please click here for an FX International Payments account. You will need an eligible American Express card passport or driving licence number and three years of address history.

Can I use this service to make business payments

Sorry, but no – it’s only for personal payments.
For business payments, please sign up for American Express International Payments services for business.


How do I process a payment?

Log in and follow these steps:

  • select the amount of money you want to send and in which currency
  • decide how you want to pay or settle your transaction with us
    • existing options include debit card, credit card (Visa and MasterCard), and electronic bank transfer.
  • click the ‘quote’ button to see the exact amount you’ll need to pay us
  • tell us who you want to make the payments to by completing 'recipient' details
  • If you’re paying with a debit or credit card, complete the relevant information
  • review the details, confirm the quote and submit your payment.

For more details, please check our ‘How to Guide’
What recipient information is required when making a payment?

You will need to provide your recipient's name and address, and full bank details (bank number, bank address, IBAN, local bank routing code or SWIFT code).

This information is usually clearly indicated on your recipient's bank statement; if not, the recipient's bank will be able to help.

If we need additional information we’ll contact you. We might be unable to send the payment until you have provided any additional information we ask for.


What payment services do you provide?
  • spot transactions
    buy and pay now – available online, to a maximum of £20,000 per transaction
    For transactions over £20,000, please call our customer services on 0800 085 3456 or +44 1273 576 880
  • regular payment
    set amount of foreign currency for series of regular payment obligations.
What are the service fees?
  • Fees for American Express International Payments
    No enrollment fee or monthly service fee. We charge you £10 per international money transfer, and this fee is always visible before you make your payment. Some of your recipients’ banks might charge you a fee and this is, of course, outside our control.

  • Credit card payment fees
    We charge an admin fee of 1.2% if you pay for an international transfer with Visa or MasterCard. In addition, your credit card company might charge a cash handling fee. There’s no fee for using either a debit card or paying via direct debit.

  • Bank transfers to American Express
    Usually no charge for sending money by BACS transfer or Faster Payments from a UK bank account. However, your bank might charge you for CHAPS same day settlement.

  • Can I earn rewards with these transactions and who is entitled to them?
    Yes – if you are an eligible card member and you have registered your card with FX International Payments. Rewards points are credited according to the membership reward programme associated with your American Express card and the offer available at the time.1
How can I pay?
  • debit card registered in the UK to a UK resident
  • a wide range of credit cards registered in the UK to a UK resident
  • electronic transfer ( BACS, CHAPS) from a UK bank or building society account held in your name. If you’re using bank transfer, you should send funds via BACS or CHAPS to:

         American Express Services Europe Limited

         Sort code 60-92-42

         Account 25426708

         JP Morgan Chase Bank
         Branch London Wall
When do I have to pay?

We ask you to pay us before your payment is sent to the recipient's bank account.

Payment methods

  • up to £10,000
    Visa, MasterCard credit card, charge card, debit card online, bank transfer (if you’re using a credit card you might be charged a cash advance fee by your card issuer. No charges apply to payments made by debit card). You can also transfer your payment to American Express FX International Payments account via bank transfer.

  • £10,001 – £100,000
    bank transfer

  • above £100,000
    your bank might require you to use CHAPS.
Are there any additional bank charges?

Recipients may receive less due to fees charged by intermediary banks and the recipient's banks, which are beyond the control of American Express.

Why did the displayed rate expire while I was making my payment?

We always use the up-to-the-minute rate available in the market when we quote, and clearly, this means that your quote has a time limit – shown by a timer on the page.

If that happens to you, simply ask for a re-quote, and we’ll use the rate current at the time for the transaction.

Once you’ve accepted the quote, the rate doesn’t change.

Are there any charges when paying with a credit card?

You can pay with Visa and MasterCard credit, charge or debit card online, up to a maximum of £10,000. Please note that Visa and MasterCard credit card payments incur a processing fee of 1.2% included in the quote summary. In addition, your credit card company might charge you a cash handling fee.


How secure is the American Express FX International Payments system?

Our payments system incorporates high end encryption, both for stored data (such as account information) and for payments created and transmitted in realtime.

The system runs in a data centre that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements all our standards relating to information integrity, transaction security and information security.

How will I know my details are secure?
We will never ask you for any of your secure details or passwords in an email. Never disclose this information to anyone.
How do I manage my passwords?

To change your phone user profile, log in to American Express FX International Payments and navigate to ‘Manage My Account’

To change your FX International Payments login and password please click here.

What is a phone user profile?

This is a four digit secure number that you will be asked to create when you log in for the first time. To ensure the security of your account, you will be asked for this phone password each time you contact FX International Payments customer services team.

You can reset your profile by logging into your account here.


How do I know the payment has been sent?

You can track your payment online or you can call our customer services team on 0800 085 3456 or +44 1273 576 880.

Are there minimum and maximum payment amounts?

There’s no minimum. The maximum online payment is £20,000 including fees.

If you need to send more than £20,000 in a single payment, please contact our customer services team on 0800 085 3456 or +44 1273 576 880.

Can I cancel a transaction request that I’ve already submitted?

Once you click on ‘Confirm Quote and Submit Payment’, we regard your payment request as firm and you would be obligated to pay us for the amount you’ve requested to be paid to your recipient. At that stage, we aren’t obligated to cancel or amend the payment.

If a payment has been processed in accordance with your instructions, but you have given us incorrect recipient details, we will make reasonable efforts to recover the funds involved.

In the event that you don’t pay us the amount you’ve agreed in your request, including when a direct debit request has been rejected, we reserve the right to impose a late payment charge, calculated from the date of the relevant transaction confirmation, based on a rate equal to the prevailing Lloyds TSB Bank base rate plus 2.5%. We will also suspend and refuse to process any further FXIP orders from you, and take steps to recover the money you owe us, as well as charging you for any costs we’ve incurred.

If you do need to cancel a transaction, please contact our customer service team on 0800 085 3456 (24/5) or +44 1273 576 880.

When will the Membership Reward points be credited to my card?

We don’t regard international payments as complete until we have confirmation of delivery to the recipient's account, a factor usually outside our control. As a result it can take up to 90 days for the Membership Reward points to be awarded to your account.

How do I make a complaint?

Our formal complaints handling procedure ensures that all complaints are handled fairly, consistently and in a timely manner.

To complain please contact us:

  • by post
    American Express FX International Payments Complaint Handling Team
    1 John Street
    East Sussex
    BN 88 1NH

  • by email

  • by phone
    0800 085 3456
What happens when I make a complaint?
  • If possible, we will resolve the matter by the end of the business day following receipt of your complaint.
  • If we can’t resolve matters in this timescale, we will pass your complaint to a dedicated complaints team, where it will be thoroughly investigated.
  • Within five business days of receiving your complaint we will write to confirm receipt, provide a copy of our complaint handling summary and confirm the contact details of the complaints team handling your complaint.
  • If you are not satisfied with the decision in our final response, and if the subject matter is within its jurisdiction, you may refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR. For more information, go to
What happens if I am not satisfied with the complaint resolution?

Naturally, we will make every effort to ensure you are fully satisfied with the outcome of your complaint. But if you are not satisfied with our conclusion, you can refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Will you accept payment from a source or account not in my name?

No. We comply with local and international regulations and these are quite clear that we can only accept payment for an international transaction from a credit, debit, charge card or bank account in your name and registered in the UK.

What are your customer service operational hours?

We are available 24 hours a day Monday to Friday.

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