Click here to see the currencies available for personal international payments.
Sorry, but no – it’s only for personal payments.
For business payments, please sign up for American Express International Payments services for business.
Log in and follow these steps:
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.
We ask you to pay us before your payment is sent to the recipient's bank account.
Recipients may receive less due to fees charged by intermediary banks and the recipient's banks, which are beyond the control of American Express.
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.
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.
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.
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.
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.
You can track your payment online or you can call our customer services team on 0800 085 3456 or +44 1273 576 880.
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.
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.
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.
Our formal complaints handling procedure ensures that all complaints are handled fairly, consistently and in a timely manner.
To complain please contact us:
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.
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.
We are available 24 hours a day Monday to Friday.