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Foreign Exchange ECB Comparison
Charges in a Foreign Currency
This page is to help you compare the total American Express Currency Conversion Charge* that we apply to transactions against the latest equivalent Euro Foreign Exchange Reference Rates**, as required by the European Union. We have done this by providing the Percentage Difference*** between our charges and the equivalent euro reference rate in the table below.
If a transaction was carried out today, this information could be used as an indicator of the percentage difference that will apply. This is because we will convert the transaction into local currency on the date it is processed, which may be different to the date of the transaction. This means that the exchange rate used may differ from the rate that is in effect on the date of the transaction.
When we convert a transaction into local currency, the transaction amount is determined by the daily Foreign Exchange Rate and the Currency Conversion Fee that applies to the product being used. American Express Card Agreements provide more information about the exchange rates we use and the Currency Conversion Fee that will apply.
The Euro Foreign Exchange Reference Rates are issued by the European Central Bank. Please visit the European Central Bank website for more information.
The Percentage Difference shown below is a comparison between the American Express Currency Conversion Charge and the corresponding Euro Foreign Exchange Reference Rate for that day. If the American Express Currency Conversion charge is the lower of these, a minus percentage will be displayed.
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