Frequently Asked Questions
Why are Travelers Cheques safer than cash?
Travelers Cheques are safer than cash because if they are ever lost or stolen, they may be refunded.*
Where can I purchase Travelers Cheques?
You can purchase Travelers Cheques at thousands of banks and credit unions.
Click here to find the nearest selling location. It is highly recommended
that you call the location prior to your visit and verify fees, limits, payment
methods, restrictions, exchange rates and availability.
Where do I sign my Travelers Cheques?
Travelers Cheques must be signed in the upper left-hand
corner upon purchase. Cheques for Two are designed for two travelers and
must be signed by both of them in the upper left-hand
corner. All Travelers Cheques should be signed as soon as possible after purchase.
Can I earn credit or debit card rewards points when I purchase Travelers Cheques?
Please contact your card service company. American Express Cardmembers are not eligible
to receive points or miles when purchasing Travelers Cheques, per the Cardmember
Where are Travelers Cheques accepted?
There are thousands of banks and foreign exchange partners in countries around the
world where you can exchange your American Express Travelers Cheques for local currency.
You may also use your Travelers Cheques like cash to pay for products and services
at accepting retail locations, restaurants and hotels. Visit
americanexpress.com/useTC to find the most convenient exchange location.
How do I cash Travelers Cheques?
To cash a Travelers Cheque, date it in the upper right-hand corner, just like a
personal check (some Cheque designs may not have the date line), and fill out the
“pay to the order” line. Then countersign the Cheque in the
lower left-hand corner. Make sure the cashier watches as you sign so
your signature can be verified. If you encounter difficulties in cashing a Cheque
in the U.S., encourage the cashier or merchant to call American Express for instructions
at 1-800-525-7641. Outside the U.S., the merchant can call an American Express Travelers
Cheque Customer Service Center. For details, use the search tool to the right to
find the country in which you need assistance.
What happens if I sign my Travelers Cheques in the wrong place, or if my signatures
Before accepting your Travelers Cheque, a cashier must watch you countersign it
in the lower left-hand corner, and compare that
signature with the original signature in the upper left-hand
corner. If the signatures are a reasonable match, the Cheque should
be accepted. If the merchant is unsure, he or she should call American Express with
any concerns or questions at 1-800-525-7641 (inside the U.S.). Merchants outside
the U.S. can call an American Express Travelers Cheque Customer Service Center.
For details, use the search tool to the right to find the country in which you need
Do I get change back if I do not use the full face value of a Cheque?
Yes, Cheques work just like cash and you will receive change back.
Is there a fee to cash Travelers Cheques?
Commission charges may apply and can vary by country and/or exchange partner. Visit
americanexpress.com/useTC to find
the most convenient exchange location.
Do Travelers Cheques ever expire?
No. Cheques do not expire. Unused Travelers Cheques can be used for a future trip,
or like cash at locations in your area.
Can I accept Travelers Cheques from another person?
Yes, you can accept Travelers Cheques from another person for payment; however,
when purchasing Travelers Cheques or Gift Cheques we recommend that you purchase
them from an authorized seller.
How to securely accept Travelers Cheques or Gift Cheques from another person:
- 1. Watch & Compare
- a. Watch the presenter countersign the Cheque.
- b. Compare the signatures to see if they are reasonably alike.
- 2. Validate Security Features
- a. While holding the Cheque to the light, view the Centurion watermark in the white
area, and the security thread in the middle area. Ensure both are visible
from the front and back of the Cheque.
- b. View the holographic foil at various angles to verify denomination, and view
image color changes between the Centurion and American Express logo.
- c. Ensure the Cheque has not been visibly altered or manipulated.
- 3. Authorize
- Call American Express at 1-800-525-7641 (from inside the U.S.). For information
on other authorization solutions available, please contact us via e-mail at email@example.com.
If the Cheque has already been signed in both the upper and lower left, please call
American Express at the number below before accepting the Cheque. After accepting
a valid Cheque, you can only deposit it into your own bank account. If you have
questions about accepting a Cheque, just call American Express at 1-800-525-7641
(from inside the U.S). Outside the U.S., call an American Express Travelers Cheque
Customer Service Center. For details, use the search tool to the right to find the
country in which you need assistance.
For tips on protecting yourself against cheque fraud, click here.
What happens if my Cheques are lost or stolen?
Lost or stolen Travelers Cheques may be refunded.*
Click here to obtain refund instructions.
For other questions regarding Travelers Cheques, please contact a customer service
representative at 1-800-221-7282