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Frequently Asked Questions

Click here to see the list of our available currencies.

Enrollment

Do I need an American Express® Card to sign up for the FX International Payments service?

No, an American Express® Card is not needed to open an FX International Payments account, nor is it required to make a transaction. We automatically withdraw funds from your authorized U.S. business bank account each time you make a transaction.

Online Services

I have submitted a transaction online via the FX International Payment platform. How do I know you have received my payment?

FX International Payments from American Express is a real-time payment processing system that captures all of your transactions as they occur. You will see the confirmation page immediately following a submission. You can check the status of your transactions online anytime using the View Transaction History feature or you can request to receive an email confirmation for each transaction at the time your account is set up.

Will my existing beneficiary information appear when I access the FX International Payments platform?

If you selected that option during account setup we can migrate your beneficiary data into our system. For assistance please contact our Customer Service team directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com.

How can I and/or my beneficiary receive confirmation of a payment transaction?

For wire and draft transfers, FX International Payments can automatically send confirmation emails to the initiator of the payment and the beneficiary, provided a beneficiary email address is supplied. Please ensure you’ve enabled this feature. For assistance please contact our Customer Service team directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com.

Will I be able to see my phone and fax wire transfer request in FX International Payments?

Yes, all transactions will appear in the View Transaction History feature in FX International Payments.

I have lost my password. What do I do?

Call our Customer Service team at 1-888-391-9971 Monday through Friday, 24 hours a day (Eastern Time) for assistance with your password reset. Or you can reset your password by using “Forgot your login details” link on the main FX International Payments log in screen.

Why does my web browser not work with the American Express FX International Payments web site?

The American Express FX International Payments site works best with Internet Explorer, Firefox, Chrome, and Safari. Should you experience issues logging in please contact our Customer Service team directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com for further assistance.

What are your foreign exchange rates?

FX International Payments offers over 80 currencies, visit for the full currency listing. Exchange rates are subject to global market fluctuations and change continuously.

How much does it cost to open an FX International Payments account?

Enrollment is free1. There are no costs associated to opening an account with FX International Payments.

Are there any monthly service fees?

There are no monthly service fees.

How is the Wire Transfer Fee paid?

If there are any fees associated with your wire, we will automatically deduct them from the designated US business bank account you identified in your online application, each time you make a transaction. There may also be fees applied by the beneficiary bank. FX International Payments does not have control over these third party fees. These fees are subtracted from the payment amount.

Products & Services

What foreign exchange products do you offer?

Currently, we offer outgoing and incoming wire transfers, foreign currency drafts, cross currency transactions, cash letters, and outgoing and incoming forward contracts2.

Safe & Secure

What is American Express' security policy?

You can learn more about American Express’ security policy by visiting American Express’ Fraud Protection Center at www.americanexpress.com/fraudprotection.

What is Phishing?

Phishing (pronounced "fishing") refers to fraudulent communication designed to deceive consumers into divulging personal, financial or account information to enable identity theft. Phishing emails continue to be prevalent for individuals and companies. Spoofing well-known companies, these emails ask consumers to reply, or "click" a link to a fraudulent web page that will ask for personal information, such as their credit card/bank account number, Social Security number, date of birth, account password, on-line user id, and other information.

For more information about phishing, please visit American Express’ Fraud Protection Center at www.americanexpress.com/fraudprotection.

What does Phishing look like?

Phishing emails often look like legitimate correspondence that tries to create a false sense of urgency intended to provoke the recipient to take immediate action. For example, phishing emails frequently instruct recipients to "validate" or "update" account information or face cancellation and/or penalty. Be very cautious of any email asking you to update sensitive information particularly, if it has a generic greeting.

Always be suspicious of emails that do not greet you by name. While not impossible, it is more difficult and costly for phishers to associate an email address with the email owners name on a mass scale. Because of this, phishing emails most often are addressed generically like "Dear Customer."

What can I do to protect myself from Phishing?

Follow these five simple steps to protect yourself from Phishers:

  1. Be suspicious of any email that does not address you by name.
  2. Navigate to banking or other financial institutions web-sites by typing the URL into the address bar of your web browser instead of clicking a link in an email.
  3. Ensure that you are using up-to-date personal firewalls and anti-virus software on your computer.
  4. Read your bank statements, credit report, and credit card statements regularly.
  5. Have the American Express website remember your User ID on your computer, so when you return your User ID will automatically entered into the Sign In box. A fraudulent website (spoof site) will not be able to display your User ID, letting you know that you are not on the genuine American Express website. Note: Do not use the Remember Me functionality on a public or shared computer, like at a public library.
How can I help keep my personal information secure?
  1. Do not keep your passwords or log-in details written down or saved on your computer.
  2. Do not disclose log-in details or passwords in response to unsolicited emails claiming to be from your bank, credit union, credit card company, or social networking site.
  3. Only divulge your details in a telephone conversation when you have instigated the call and are familiar with the company.
  4. Use secure websites by ensuring that they begin with https:
What do I do if I suspect a Phishing email?

If you suspect a phishing email, do not reply to the email and never follow any links. If you receive an email relating to American Express that you believe could be fraudulent or at any moment feel your account information has been compromised, please contact us at 1-888-391-9971 or via email at spoof@americanexpress.com. Please do not include your account number in the email. If you feel your American Express account information has been compromised, please contact our Customer Service team directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com.

How can I ensure that messages from FX International Payments are genuine?

FX International Payments will never ask for your log in information or password in an email or text message. We will never send you an email or text message asking you to enter your Internet Banking details either through an email, text message or website.

Transactions & Customer Service

What are your hours of operations?

You may initiate a transaction online 24 hours a day, 7 days a week. Our Customer Service line is available to assist you at 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time). Please note: you cannot lock in rates from Friday 4:45 PM EST to Monday 8:45 AM (Eastern Time). Also, you cannot book forward contracts2 after 4:45 PM Monday through Friday (Eastern Time) or from Friday 4:45 PM to Monday 8:45 AM (Eastern Time).

What if I have a problem or a complaint about my transaction or service?

If you have a problem or a complaint, please contact American Express Customer Service. You may contact FX International Payments Customer Service directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com.

COLORADO CUSTOMERS: Please click to see a customer notice from the Colorado Division of Banking.

MARYLAND CUSTOMERS: The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding American Express Prepaid Card Management Corporation (License #9172; NMLS ID 913823) and/or American Express Travel Related Services Company, Inc. (License #9026; NMLS ID 913828) at: Office of the Commissioner of Financial Regulation, 500 North Calvert Street, Suite 402, Baltimore, MD 21202, Telephone: 1-888-784-0136.

TEXAS CUSTOMERS: After contacting our customer service division, if you still have an unresolved complaint, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov, consumer.complaints@dob.texas.gov.

How do I find out more information about your money services business?

Click here for information regarding our money services business, lists of our money services business licenses and other disclosures.

How does FX International Payments from American Express receive the funds needed to make a wire transfer?

During the account setup process, you will be required to identify a U.S. business bank account in the name of your company from which you authorize FX International Payments to electronically withdraw funds to cover the costs associated with your wire transfer. You may also fedwire the necessary amount directly to FX International Payments.

Do I need to set up a separate bank account just to be used for FX International Payments services?

No, there is no need to set up a separate bank account. We will electronically debit the wire transfer amount you requested from your existing U.S. business bank account in the name of your company. You may also set-up multiple bank accounts from which we can electronically debit your various wire transfers customized to your business needs.

What if I submit a Transaction Request and I want to cancel it?

If we have not already completed your transaction, we will make every effort to accommodate your cancellation request. Please note: there is no guarantee that we will be able to cancel your transaction if it has been completed or if the funds are available in the beneficiary’s account. Additionally, there may be fees associated with this request. You may attempt to cancel a transaction online or by contacting our dedicated Customer Service team directly by calling 1-888-391-9971, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com.

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