Share your Card Member data
with increased safety and
security with Amex.
Have questions about Open Banking?
Review our FAQs section below!
Open Banking is about you, the customer, having control over your financial data. Open Banking enables customer-driven data sharing and customer-permissioned data access between financial institutions and financial service providers. It allows customers to authorize their banks to share their financial data with other financial service providers upon request. Open Banking ecosystems power digital propositions using Application Programming Interfaces (APIs) — the bridges that connect banks with service providers — and bring together financial and non-financial services on new platforms.
Placeholder
Placeholder
1. Sign in securely
If an authorized financial service provider has onboarded to our API, you’ll be directed to a secure American Express window that allows you to enter your American Express username and password.
2. Choose what accounts a financial service provider can access
After you sign in to American Express using the secure window, you can choose which accounts you want to share with the financial service provider.
3. Revoke access whenever you want
You can stop sharing your American Express information at any time through our website, where available, or by revoking your consent directly with your financial service provider.
Placeholder
Placeholder
Placeholder
Placeholder
Placeholder
American Express will only share your American Express financial data with a financial service provider upon your request. We share your permissioned data through an internally developed Application Programming Interface (API); this API-driven approach uses encrypted connections to enhance data security.
As customer preferences for sharing data in the digital ecosystem continue to evolve, American Express wants to make sure that there is a streamlined and transparent process for transmitting your data to the products and services you choose. American Express’s API-driven approach offers increased security and allows American Express to service our customers wherever they are.
When you choose to share your American Express financial data with a financial service provider via our American Express API, the data you agree to share is shared with that financial service provider and becomes subject to such financial service provider’s data security standards, terms of use, and privacy policy; therefore, you should make sure you carefully read through their terms of use and privacy policy prior to providing them with access to your data. Once your financial data is shared, American Express will not have any control over it.
American Express is actively involved and invested in staying aligned with the current data standards for data sharing security and is committed to securely identifying our customers as they log in. However, once your financial data has left American Express and has been shared with a financial service provider, your data becomes subject to their terms of use, privacy policy, and data security standards.
American Express discourages any, and all, sharing of your username and password credentials – this information should remain confidential. Use of the American Express API does not require you to depend on a financial service provider to securely store your American Express username and password for access. The American Express API offers increased security, and you can manage access to your data from both the financial service provider and from American Express. It provides a one-touchpoint streamlined and transparent user experience.
While American Express has many relationships with financial service providers in the market, we may not have our API connected to all of them. If they are not serviced today, they may be on our extended roadmap. American Express discourages any, and all, sharing of your username and password credentials – this information should remain confidential. Prior to agreeing to sharing any information with a financial service provider, you should make sure you carefully read through their terms of use, data security standards, and privacy policy.
