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American Express® Travellers Cheques

Everything you need to know about your Cheques

Get help with your Travellers Cheques and find answers to common questions about them. Choose a tab below.

Terms and Conditions

Following are the terms and conditions for obtaining a refund for lost or stolen Travellers Cheques.



Please read this agreement carefully. The applicable law is the law of the country of the Travellers Cheque Issuer.
English is the legally valid and applicable text.

By buying, signing, accepting and/or using the American Express® Travellers Cheques (‘Travellers Cheques’), you agree to the terms and conditions below.


Travellers Cheques are issued by American Express Travel Related Services Company, Inc., a company incorporated under the laws of the State of New York, USA (“American Express”). On 5 April 2010, American Express became the issuer of all Pound Sterling-denominated Travellers Cheques sold after that date in place of its subsidiary Travellers Cheque Associates Limited, an England and Wales corporation (“TCAL”). If you have purchased a Pound Sterling-denominated Travellers Cheque on or after such date, American Express will be the issuer for all relevant purposes even if the name of TCAL appears on the Travellers Cheque.


American Express’ obligation to refund lost or stolen Travellers Cheques is NOT UNCONDITIONAL. American Express may, directly or through its servicing agents, subsidiaries, affiliates, and representatives, replace or refund the face value of any lost or stolen Travellers Cheques in accordance with applicable law and only if you meet all of the requirements below and American Express is satisfied about the authenticity of your claim:


  • You must have signed the Travellers Cheques in permanent ink on the space indicated.
  • You must have not countersigned the Travellers Cheques (second signature).
  • You must have not given the Travellers Cheques voluntarily to another person or company to hold or keep, or as part of a fraudulent scheme (and in particular, you have not placed your Travellers Cheques into luggage which you have subsequently entrusted to a travel provider e.g. taxi, airline, coach or ferry).
  • You must have not used the Travellers Cheques in violation of any law, including as part of an illegal bet, game of chance, or other prohibited or illegal activity.
  • Your Travellers Cheques have not been taken by court order or by government action or confiscated by the customs or similar authorities in any country.
  • You must have safeguarded the Travellers Cheques as a prudent person would safeguard a olke amount of cash and have not placed them at unnecessary risk.


  • You must promptly notify American Express of the loss or theft of the Travellers Cheques.
  • You must have promptly reported all facts of the loss or theft to the poolce or relevant government agency.
  • You must promptly provide American Express all the serial numbers of the lost or stolen Travellers Cheques and the place and date of their purchase.
  • You must promptly complete the refund forms provided by American Express and provide American Express with acceptable proof of your identity.
  • You must provide American Express all reasonable information and support requested to make a complete investigation of the loss or theft.

You understand that American Express cannot stop payment on any Travellers Cheques. You may not resell, consign, or take any similar action to transfer Travellers Cheques to any other individual, company, or entity for resale or reuse. You must comply with all applicable laws (including, without limitation, currency control rules and relevant export/import regulations) when using the Travellers Cheques, moving Travellers Cheques from one country to another or receiving a refund for lost or stolen Travellers Cheques. It is your responsibility to get acquainted with such laws and regulations that may be applicable to your use of Travellers Cheques, including receiving a refund for lost or stolen Travellers Cheques. In particular, should you receive a refund for lost or stolen Travellers Cheques in a country other than the country where you purchased the Travellers Cheques, it is your sole responsibility to report or declare this to the relevant state or governmental authorities where it is required by any applicable law in such country.


American Express reserves the right to take all necessary steps to satisfy itself about the authenticity of a refund claim, including investigating the reported events surrounding the loss or theft and verify compliance with the conditions in Section II, and is not responsible for any delays or financial loss resulting from such investigation.

American Express further reserves its rights to seek any available legal remedy, including pursuing criminal measures, against individuals attempting fraudulent claims.

You understand that American Express may need to have access to your personal information to provide you Travellers Cheque related services (for instance, to process or investigate a claim for refund) and/or to otherwise comply with applicable law. You authorize us to request institutions from which you purchased your Travellers Cheques any and all relevant information necessary for American Express to comply with applicable law and/or to provide you Travellers Cheque related services. Information will be maintained and processed by American Express in the USA and other countries where data privacy requirements may be more or less comprehensive and you consent to this.

For quality assurance and training purposes your telephone calls to American Express may be monitored or recorded and you consent to such monitoring and recording.


Terms of relevance to the country where you purchased the Travellers Cheques may accompany these Terms and Conditions.
American Express Travellers Cheques never expire. You are responsible for complying with any applicable exchange control regulations.

Lose yourself, not your money.

The street markets of Bangkok are a treasure for the senses. With American Express Travellers Cheques in your pocket, you can lose yourself in the exotic sights, smells, textures and tastes.That’s because if your Cheques are lost or stolen, they can be refunded.*

You can also look forward to many more benefits in thousands of locations worldwide.

Travel with confidence… And remain in budget.

Travellers Cheques aren’t just safer than cash. They enable you to budget, track and control your travel expenses easily. Commission charges may apply and vary by country and exchange partner.

You can buy Cheques in six major currencies: US Dollars, Euros, Canadian Dollars, Australian Dollars, Pounds Sterling and Japanese Yen. And because the rate is fixed once you buy the Cheques, you’re protected from fluctuating exchange rates.

Find out more
*Terms & Conditions and restrictions apply. Identification and proof of purchase required.

Enjoy a richer travel experience.

Travelling to the States? Why worry about rollercoaster exchange rates when you can watch San Francisco’s cable cars go up and down instead? Simply buy Cheques in American Dollars* and you can enjoy a fixed rate for the rest of your holiday.**

Seven major currencies mean a world of choice.

Here are the currencies and denominations you can choose from:

  • US Dollar
    50, 100, 500
  • Canadian Dollar
    20, 50, 100, 500
  • Euro
    50, 100, 200
  • Japanese Yen
    10'000, 20'000, 50'000
  • British Pound
    50, 100, 200
  • Australian Dollar
    20, 50, 100, 200

* While you can get dollar for dollar exchanges with no charges in the US, merchants in other countries may not change your Cheques for cash in the same currency without charging a fee.

** Please remember to ask the merchant if they do accept Travellers Cheques as American Express cannot guarantee that all merchants in the USA accept Travellers Cheques as a form of payment.

Relax. You’re on holiday, remember?

You’ve just reached the top of Sugarloaf mountain and your Cheques are gone. Don’t worry. Simply call us, day or night, and we can refund the value of your Cheques*. So you can enjoy the mountain and leave the molehill to us.

Cheques lost or stolen? Here’s what to do.

1. Have your serial numbers at hand
You’ll need to have the serial numbers of your Travellers Cheques when you call us. We always recommend that you keep your original purchase receipt recording your serial numbers with you when you travel. But remember to keep it separate from your Cheques at all times.

2. Call us
You’ll need to notify American Express about the loss or theft of your Travellers Cheques as soon as possible. To find the correct number to call from where you are, simply use the search tool on the right. The phone number to call from the UK is 0800 587 6023. We’re here to help 24 hours a day, 7 days a week.

3. Collect your refund
You can pick up your refund at any American Express Travel Services Office and thousands of partner locations worldwide. Just tell us what suits you.

4. Or fax us (from the U.K. only)
If you are in the U.K., you can instead fax your refund claim to 0808 234 1447 or simply download the form here. Your refund, once approved, will be sent in the form of a company cheque to your home. Please allow approximately 3 weeks for the Cheque to arrive. All refunds are subject to compliance with terms and conditions.

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Everything you need to know about
American Express Travellers Cheques.

Why should I take Travellers Cheques on my next trip?

American Express Travellers Cheques are recognised around the world. They are safer than cash, and if lost or stolen can be replaced worldwide.Travellers Cheques also enable you to budget, track and control your travel expenses easily.

What types of Travellers Cheques are available?

American Express offers Pound Sterling and a variety of foreign currency Travellers Cheques to help with your travel needs.

How do I purchase Travellers Cheques?

Travellers Cheques can be purchased at distributing banks, building societies, travel agents, foreign exchange bureaux, and at any American Express Travel Service location.

Is there a fee to purchase Travellers Cheques?

Fees vary from establishment to establishment. Some may charge a nominal fee, while others offer Travellers Cheques fee free as a service to their customers.

Where can I use my American Express Card to purchase Travellers Cheques?

At this time, it is not possible to purchase Travellers Cheques with your American Express Card.

Do Travellers Cheques expire?

Travellers Cheques do not expire. Unused Cheques can be kept as a safe reserve or saved for future trips.

Can I accept Travellers Cheques from another person?

Yes, you can accept Cheques from another individual. You must watch the person countersign the Cheque in the lower left-hand corner and compare it with the original signature. If the Travellers Cheque has already been signed in both the upper and lower corners, or if you have any questions about the validity of a Cheque, call an American Express Travellers Cheque Customer Service Centre. After accepting a Travellers Cheque from another individual, you may only deposit it in your own bank account.

Using Travellers Cheques

How do I cash Travellers Cheques?

Simply present the Cheque at the exchange or merchant location. Make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner. Photo identification may be required. We strongly recommended you retain and carry your original purchase receipt with you when you travel. Commission charges may apply and can vary by country or exchange partner. Exchange limits may apply due to local regulations and exchange policies.

Where can I use Travellers Cheques?

American Express Travellers Cheques are recognized around the world. There are thousands of banks and foreign exchange locations in countries around the world where you can exchange your Travellers Cheques. They can be exchanged for local currency at banks, currency exchanges, and American Express Travel Service locations. You can use your Travellers Cheques like cash to pay directly for products and services at accepting retailers, restaurants and hotels.

For more information on using your Cheques, including exchange locations, please visit Where to Use Your Cheques.

Where do I sign Travellers Cheques?

Upon purchase, Travellers Cheques must be signed in the upper left-hand corner in order to be refundable if lost or stolen. When the Cheques are cashed, make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner.

What happens if I sign the Cheque in the wrong place, or my signatures don't match?

Acceptance of Travellers Cheques is based on the acceptor watching the customer sign the Cheque in the lower left-hand corner, and then comparing that signature with the original signature in the upper left-hand corner (the lower left signature on a Cheques for Two must match one of the two signatures in the upper left). The acceptor must observe the customer signing the Cheque. If the signatures are a reasonable match, the Cheque should be accepted. As always, if the acceptor is unsure, they should call an American Express Travellers Cheque Customer Service Centre.

When do I fill out the date on my Travellers Cheque?

The date, in the upper right-hand corner, should be filled out upon use, just like a personal cheque.

Is there a fee to exchange Travellers Cheques?

Commission fees and charges may apply and vary by country or exchange partner. For information on where to use your Travellers Cheques, visit For more information on using your Cheques, including exchange locations, please visit Where to Use Your Cheques.

When paying for goods or services at accepting retailers and if I don't use the full face value of the Travellers Cheque, will I get change back?

Yes, you will get change back, just like cash.

What happens if my Travellers Cheques are lost or stolen?

If your Travellers Cheques are lost or stolen, contact an American Express Travellers Cheque Customer Service Centre immediately. We will provide you with step-by-step instructions for replacing your Cheques.

Remember to keep a record of all the Travellers Cheques serial numbers in a safe location separate from your Cheques.

What should be done with a deceased person's unused Travellers Cheques?

The estate executor should take the Travellers Cheques, and the estate papers to the bank where the estate account is located, for deposit to the account.

The next of kin or beneficiary should take the Travellers Cheques and the death certificate to their bank and instruct the bank to call an American Express Travellers Cheque Customer Service Centre for further instructions. The beneficiary can call the Customer Service Centre for advice.

As another option, the Cheques (marked void) may be sent to American Express along with a copy of the Death Certificate, Estate Papers or other applicable legal papers. Processing fees may apply.
Send to:

American Express
4315 S. 2700 W.
Salt Lake City, UT 84184-0407
Attn: Redemption Dept

Please keep copies of all correspondence and the Cheque numbers for your records.

How do I contact an American Express Travellers Cheques Customer Service Centre?

For your convenience, American Express Travellers Cheques Customer Service Centres are available around the world. To find a Customer Service Centre, visit our Customer Service Centre listing.

How to Use Travellers Cheques

  • 1. Sign Sign your name in the upper left corner immediately upon purchase.
  • 2. Record Make a note of each Cheque's serial number. Take them with you – but keep them separate from your Cheques.
  • 3. Protect Safeguard your Travellers Cheques at all times.
  • 4. Use To pay for anything or exchange your Cheques, sign in the lower left-hand corner in front of the cashier.

* Replacement Assistance Service available to American Express Travellers Cheque purchasers. Proof of purchase may be required before services are provided. Credit/Debit Card Cancellation Service applies to American Express Cards and major bank-issued credit/debit cards only. Other types of cards such as retail store, petrol , loyalty cards and frequent flier cards are not eligible for the cancellation service. Replacement of credit/debit cards is at the discretion of the financial institution and most credit/debit card issuers will send replacement cards only to the billing address.