Enjoy the freedom to pay at thousands of retailers wherever you see the
American Express and contactless logo.
Contactless works through short-range wireless technology. The merchant terminal picks up a signal from your Card when it's very close to it.
Most American Express products have contactless technology. To check your Card, look for the contactless symbol on its back or front.
Yes, it's very secure. Contactless payments use the same security as Chip & PIN, using dynamic and unique encryption key which protect against counterfeiting. If a fraudster tries to read your Card with a skimming device, without personal information such as your full name and security code, they won't be able to make a payment. Contactless payments are also sent to us for validation, which means they go through the same intelligent fraud algorithms and security checks as a Chip & PIN transaction.
Please ensure your contact details are up to date and you turn on push notifications via the Amex App so we can reach you if anything looks unusual.
All of our Cardmembers are covered through our Fraud Protection Guarantee. This means you won't be held responsible for any confirmed fraudulent charges, provided you have taken reasonable care to protect your Card, Account details, PIN and any device you have stored your Account details on.
If your Card is lost or stolen, you can request a new one on your Online Service Account or call us for assistance.
You can use your contactless Card abroad in most places provided they're displaying the contactless and American Express logos. The transaction limit for American Express contactless payments varies in each country, so sometimes you may be asked to enter your PIN. If contactless doesn't work, you can still pay with your Card's PIN.
For added levels of security there may be times when you'll be asked to enter your PIN. This is to make sure we know your Card is still safely in your hands and not anyone else's.
To find out more about contactless, click here.