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Invest a few minutes now and you’ll soon be enjoying your Card to the full

Activating your Card and setting up account alerts unlocks the door to an abundance of exclusive benefits, offers and privileges. To find out how to make the most of your Card, click on the tabs below.

By activating your Card, you are simply confirming it has arrived safely with you, and you are ready to start using it.

You can activate your Card online, now. At the same time, you can register for Online Services, which enables you to view all your account details online, easily, securely, and for free, 24 hours a day.

For security reasons, we’ll send your American Express PIN separately from your Card. When you receive it, please follow the directions on the back of the letter. If you wish, you can easily change your PIN to something more memorable, at any of 30,000 UK LINK cash machines.

Find your nearest cash machines

What if you forget your PIN?

If you have received your PIN, but have subsequently forgotten it, there’s no need to worry. Please click on the button below and, after answering a few security questions, you can view your PIN online. Should you encounter any difficulties, please call Customer Services on the number shown on the back of your Card.

Or enter your PIN incorrectly?

If you forget your PIN in a shop, or at a cash machine, don't try guessing it. After three incorrect entries, your PIN will be 'locked', rendering your card temporarily unusable. Should this happen, you can unlock it at any of 30,000 UK LINK cash machines. Simply go to View PIN Online for a reminder, then visit a UK LINK cash machine, insert your Card, and select 'PIN services'.

Your Card number and security code

Your Card number, often referred to as the 'long' number, is embossed across the front of your Card. Above this number, towards the right, you'll notice a 4-digit code, printed flat (as opposed to embossed). This is your security code, which you may be asked to quote during telephone and online transactions.

Your password

When you first contact American Express by phone, either during Activation, or when registering for Online Services, you will be asked to create a Customer Password. American Express uses your Customer Password to protect your account.

Your Customer Password is always a 4-digit number, and you should select one that will be easy for you to remember. You can choose your Customer Password from one of four types: a memorable date, your mother’s birthday, your father’s birthday, or a numeric code.

You will be asked for your Customer Password during selected transactions, either when calling American Express, or making a transaction on Please note, your Customer Password is distinct from the password you quote with your User ID, when you log-on to

Don’t you just love it when you get something extra? In addition to the usual Chip & Pin, your new Card now contains clever contactless technology1, making it quick and easy to purchase items under £30.2

More rewarding than cash

You'll pick up your usual rewards every time you use your Card instead of cash for those smaller everyday purchases like sandwiches, coffee or travel. 

Just as secure as your normal transactions

Our contactless technology is just as safe and secure as Chip & PIN. Every transaction is protected by the usual fraud protection guarantee offered by American Express, making it safer than using cash. As an additional security measure we may occasionally ask you to complete a traditional Chip & PIN transaction.

A quick, convenient way to pay

Simply touch your Card against a contactless-enabled Card reader and the reader should confirm with either a light, beep or indicator to show that your Card has been read.
You can use your Card at the thousands of shops, restaurants and bars around the UK that accept American Express contactless. 

Getting started

You may need to complete one Chip & PIN transaction at first to enable your new Card for contactless payments.
To find out more, visit

You'll receive your Harrods American Express Card statement each month, which shows you:

  • your transactions for the month
  • your monthly balance due
  • your payment due date
  • your Harrods Rewards points balance.

Go green, go paperless

Why wait for the post, when you can view your statement online, any time you like?

Sign up for online statements, and each month, we'll email you to let you know your statement is ready to view. You'll see all your recent purchases, and your past six months' statements, if you need to view them. There's no need to worry about security, as we keep your statements 100% secure at our website.

Overall, going paperless is easier for you, and also helps you reduce your carbon footprint.

Manage your account online

The most convenient, and secure way to manage your American Express account, is to take advantage of Online Services. That way, you can view all your account information quickly, and securely.

  • View your current balance, recent purchases, and past six months’ statements
  • Keep up-to-date with your account, by setting up mobile and email Account Alerts
  • Save time by settling your account online
  • Watch your Harrods Rewards points add up
  • Sign up for exclusive offers by email

You can view your latest statement and payment due date online by registering for Online Services. To ensure your payment due date is set to one convenient for you, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment it will need to be up to date before requesting any change.

There are many ways to pay your bill in an efficient, secure way. Take your pick from the options below.


Paying online is a fast and secure way to settle your account. To do it, you need to register for Online Services, after which you can immediately start making payments. Please allow two working days for a payment to show on your account.

If you wish, you can also set up an online Direct Debit facility, in which case your payments will be collected automatically from your bank account.

By post

Please make your cheque payable to American Express Services Europe Ltd, and write your Card number on the front. Then, please return it to us together with your payment slip, which you’ll find attached to your statement, in the envelope enclosed with your bill.

Alternatively, please address your own envelope to: American Express Services Europe Ltd, Royal Avenue, Widnes, WA88 1AE.

Please remember, when posting a payment, please allow seven working days for it to reach us.

In person

If you're passing an American Express Travel Service or Foreign Exchange Office, in the UK or abroad, you can settle your account there. You can pay in cash, or by cheque, provided you have your Card, and your statement, with you. If you make your payment at a UK American Express office, please allow five working days for it to appear on your account.

Alternatively, you can make your payment at your bank, using the payment slip attached to your statement. In which case, please allow four working days for the payment to show on your account.

By telephone

You can use the phone, either to settle your statement using your debit card, or to set up a Direct Debit. To do either, simply call the number on the back of your Card. Please allow two working days for your payment to show on your account.

Manage your account on your mobile

You can now access the most important account information when you're on the go - via a mobile website optimised for your phone or as a downloadable App for iPhone® and Android® devices.

  • Access and manage your accounts
  • Check your balance
  • Pay your bill
  • View your Harrods Rewards points.

Click here for more information on our mobile services.

Introducing the American Express Pass for Passbook®

Get instant access to your balance, transactions, and service information on the go, with push alerts to confirm your purchases.

Visit on your iOS6 or later iPhone® or iPod® touch device to get started.

Any questions?

Visit our FAQs section for quick access to the most commonly asked questions about American Express.

The beauty of a charge card is that there's no defined spending limit.

In the unlikely event of a significant purchase of yours being queried by a sales assistant during this period, simply call 0800 032 7704 immediately (+44 (0) 1273 576 629 outside the UK) and tell us. We'll take steps to ensure to help your payment goes through smoothly and without delay.

Go paperless

It's more secure than the post, and saves time, not to mention paper.

Exclusive offers await you

Sign up now, and look forward to delights in your inbox, soon.

Terms and Conditions

1. Harrods American Express Cards issued after December 2014 come with Contactless technology.

Statement of Lender and Borrower Responsibilities

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.

Copyright© 2017. American Express Company. All Rights Reserved.