SafeKey & Express List
Shop confidently with SafeKey and Express List
A safer way to shop. A more secure way to pay.
SafeKey. What is it?
Smart authentication technology that works behind the scenes, protecting you against fraud while you shop online by checking it's really you when making a purchase.
How does SafeKey work?
Our smart anti-fraud technology checks each transaction against hundreds of data points.
Sometimes we may need to check its really you by sending you a push notification or verification code by text or email.
Download the American Express® App
The Amex App makes verifiying yourself quicker and easier. Download it here and enable push notifications in your device settings:
iPhone users: Settings > Notifications > Amex UK > Allow Notifications
Android users: Settings >Apps/Applications Manager > Amex UK > Show Notifications
Don't have the Amex App? At times we may need to check it's really you. If so we'll send you a verification code by text or email. Once you get it, just tap it in, and you're good to go. We will send you verification codes via email or SMS. To ensure you can receive verificationcodes, check that your contact details are up to date.
You may also need to enter part of your Card PIN for additional
verification. This is the same PIN that you use in-store. You can view your
Card PIN in your Online Account.
Express List. What is it?
It's a personalised list of websites you frequently shop at. When you shop at places on your Express List, you won't have to spend time verifying your purchase with codes, which means you can check out faster and just as securely.
How does Express List work?
You can view the websites you've shopped at in your Online Account and SafeKey when you're shopping online. Here, you can add websites to your Express List.
Next time you shop at those websites, you won't have to verify yourself unless we need to check if it's you.
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Additional help and tips
Want to know more about SafeKey and Express List?
We've got everything you need, right here.
EU regulation requires all banks to implement increased authentication. American Express will send verification codes to you more frequently when you shop online. Express List will keep your online shopping simple and secure: you can add merchants you trust to your Express List to let us verify you without sending you a code. We may still send you a verification code if we need to check it’s you who is making the purchase.
EU regulation requires all banks to implement increased authentication. American Express will send verification codes to you more frequently when you shop online. Express List will keep your online shopping simple and secure: you can add merchants you trust to your Express List to let us verify you without sending you a code. We may still send you a verification code if we need to check it’s you who is making the purchase.
Yes, even without a verification code we will still verify you in the background. Our intelligent security systems are always on the lookout for suspicious activity and if we need to check it is you making the purchase we will send you a code.
Yes, even without a verification code we will still verify you in the background. Our intelligent security systems are always on the lookout for suspicious activity and if we need to check it is you making the purchase we will send you a code.
No merchants will be added to your Express List. You can still manage your Express List in your Online Account or next time you see the SafeKey screen when checking out by clicking 'Manage Express List'.
No merchants will be added to your Express List. You can still manage your Express List in your Online Account or next time you see the SafeKey screen when checking out by clicking 'Manage Express List'.
You will be able to select your preference on a maximum of 100 merchants that you have shopped at in the last year using your American Express Card.
You will be able to select your preference on a maximum of 100 merchants that you have shopped at in the last year using your American Express Card.
Only EU merchants will appear in your Express List.
It could also be because an intermediary acts on behalf of the merchant you shop at. You can check this by searching the name that appears on your Express List. If you have any doubts, please call the number on the back of your Card.
Only EU merchants will appear in your Express List.
It could also be because an intermediary acts on behalf of the merchant you shop at. You can check this by searching the name that appears on your Express List. If you have any doubts, please call the number on the back of your Card.
Yes, you can manage your Express List in your Online Account or when you see the SafeKey box during an online purchase by clicking “Manage Express List”.
Yes, you can manage your Express List in your Online Account or when you see the SafeKey box during an online purchase by clicking “Manage Express List”.
Yes, your Supplementary Cardmember will have their own Express List that they can manage.
Yes, your Supplementary Cardmember will have their own Express List that they can manage.
You can change your preferences in Express List in your Online Account. You can also change your preferences next time you see SafeKey during your online checkout by clicking 'Manage Express List' and then unticking the previously selected merchant. This will mean we may need to verify you by sending you a code more frequently when you shop online at that merchant.
You can also skip Express List if you wish not to manage it at checkout.
You can change your preferences in Express List in your Online Account. You can also change your preferences next time you see SafeKey during your online checkout by clicking 'Manage Express List' and then unticking the previously selected merchant. This will mean we may need to verify you by sending you a code more frequently when you shop online at that merchant.
You can also skip Express List if you wish not to manage it at checkout.
We always look out for suspicious activity and if we need to check it is you making the purchase we will send you a verification code.
We always look out for suspicious activity and if we need to check it is you making the purchase we will send you a verification code.
There could be a few of reasons for this:
- If we’re confident it’s you who is making the purchase, we won’t send you a verification code.
- SafeKey doesn’t appear on all merchant sites and therefore we cannot send you a verification code. We have stored your preference for all merchants and this will be applied as soon as that merchant gets SafeKey.
- Your details may need to be updated. Sign in now to update.
There could be a few of reasons for this:
- If we’re confident it’s you who is making the purchase, we won’t send you a verification code.
- SafeKey doesn’t appear on all merchant sites and therefore we cannot send you a verification code. We have stored your preference for all merchants and this will be applied as soon as that merchant gets SafeKey.
- Your details may need to be updated. Sign in now to update.
No, your Express List is linked to your American Express Card, not your device. Your Express List preferences will be applied when you use your
American Express Card on any device.
No, your Express List is linked to your American Express Card, not your device. Your Express List preferences will be applied when you use your
American Express Card on any device.
Your Express List will only include merchants you have had legitimate transactions with.
Your Express List will only include merchants you have had legitimate transactions with.
This could be because an intermediary acts on behalf of the merchant you visited. You can check this by searching the name that appears on your Express List. If you have any doubts, please call the number on the back of your Card.
This could be because an intermediary acts on behalf of the merchant you visited. You can check this by searching the name that appears on your Express List. If you have any doubts, please call the number on the back of your Card.
You can update your contact details by going to update contact details in your profile.
You can update your contact details by going to update contact details in your profile.
It is a 6-digit code sent via SMS and/or email that you need to enter into the SafeKey screen to verify it’s you. This layer of security lets us know it’s you who is making the purchase, because we are sending the code to your registered contact details.
It is a 6-digit code sent via SMS and/or email that you need to enter into the SafeKey screen to verify it’s you. This layer of security lets us know it’s you who is making the purchase, because we are sending the code to your registered contact details.
For more information and to view the Terms and Conditions, read our frequently asked questions.
For more information and to view the Terms and Conditions, read our frequently asked questions.
Related Pages
SafeKey Pay with Points
Redeem your Membership Rewards ®
points with SafeKey retailers for
Membership Reward Cards.
Purchase Protection
Your American Express Card purchases
are covered for up to 90 days*,
protecting you against, theft or damage.
*Terms, conditions and exclusions apply.
Phishing, Scams, and Online Safety
Stay safe against fraud with our
helpful tips about what to watch out for.