Transactions, Payments and Statements 

You can view transaction history electronically through your Online Account with PDF statements and you can download statement data for export to CSV.

To access a PDF copy of a billing statement, including older statements that have been archived, simply:

1. Log in to your Online Account 
2. Go to ‘Order Previous Statements’ 
3. Select the statement you need and click ‘Order now’.
   

Please note: Statements that have been archived will be available online within 24 hours.

American Express Card Members can keep up to date with billing statements via the Amex App. You can also view your transaction history electronically through your Online Account and download them as a PDF file. The past six monthly statements are available to download.

1. Log in to the Amex App 
2. Go to ‘Statements’ 
3.  Select ‘Transactions and Statements’ 
4.  Select the statement you need 
5. Select ‘PDF STATEMENT’ to download a copy to your mobile.
   

If there is activity on your Card Account, you’ll receive a monthly statement either online or via post.

Your statement shows important information about your Account, including:

• Opening balance – This is the amount brought forward from your last statement period.
• New credits – These are transactions for the statement period that credited your Card account.
• New debits – These are transactions for the statement period that withdrew from your Card account.
• Interest charged – This is the amount of interest you were charged for the month.
• Minimum payment due – This is the minimum amount you need to pay the following month. If you only pay the minimum repayment each month, you will pay more interest and it will take you longer to pay off your balance.
• Total balance – This is the amount you owe on your Card to date.
• Credit limit – This is the total amount available for use on your Card.
• Available credit – This is the portion of your Card’s overall limit that’s still available for spending.

For American Express Credit Cards, the minimum payment is set at 3% of your closing balance, or $10, whichever is greater.

Making only the minimum payment is not recommended as a long-term solution because if you make only the minimum monthly payment, you will pay more interest and it will take you longer to pay off your balance.

To go paperless and receive your statements online:

1. Log in to your Online Account

2. Go to ‘Account Management’

3. Select ‘Alerts, Communications & Privacy’ then ‘Statement Delivery Options’

4. Tick the box that says ‘I want to go Paperless’ and click ‘Confirm’.

Yes. To do this online:

1. Log in to your Online Account

2. Go to ‘Account Management’

3. Select ‘Alerts, Communications & Privacy’ then ‘Statement Delivery Options’

4. Untick the box that says ‘I want to go Paperless’ and click ‘Confirm’.

Alternatively, you can have a paper statement mailed to you by calling the number on the back of your Card.

There are some instances in which a Pending Transaction will appear under a trading name that’s different to the retailer’s name where you made your purchase. For example:

• A clothing store that is part of a wider retail chain
• A restaurant that is attached to a hotel
• A company that uses their central billing office (e.g. ‘A T Park’).

Always check the charge amount and see if it matches any of your receipts.

Charges may not appear as ‘pending’ if they’re:

• Made in a foreign currency
• Made using Chip and PIN & Contactless payments
• A Direct Debit (such as a phone bill)
• Fees & Charges
• Refunds & Bill Payments
• Not yet submitted to American Express, by the Merchant you spent at.

Instead of taking a deposit, most hotels process a pre-authorised fixed amount to your nominated Credit Card (usually at check-in). This amount won’t be billed to your Account and is usually reversed when you check out.

If a charge is billed to your Account, it should be automatically removed from your Card within 10 working days. However, if you have any concerns, contact the hotel directly.

Some Merchants authorise a charge when you place an order for goods or services, then authorise your Card again when it’s due. This makes the charge appear duplicated in Pending Transactions – but it’s only billed once. For example, some restaurants will authorise your Card when the Card is put in the terminal and then again if you add a tip, but you will only be billed once.

If you suspect a transaction has been duplicated on your Account incorrectly, wait to see if this appears on your billing statement. A billing enquiry may be raised via the steps below if the transaction has been incorrectly charged:

1. Log in to your Online Account

2. Select the transaction from your statement

3. Click ‘Have a question about this charge?’

4. Select the type of inquiry you’d like to make and answer a few questions (you’ll be advised if supporting documentation is needed).

If a Merchant’s details can’t be fully captured at the time of a transaction, a default value labelled ‘AMERICAN EXPRESS INTERNAL TRANSACTION’ may be shown. Once the transaction is confirmed and processed, you’ll see the correct Merchant name appear on your statement. This process normally takes 1-3 business days but can take as long as 7 business days.

Certain Merchants, such as hotels, car rental agencies, and petrol stations, will often pre-authorise your Card for an amount to ensure that funds are available. Once the transaction is successfully billed to your Account, the pre-authorisation will drop off within 10 business days. This means there may be a crossover period where the transaction appears in two places in your Account.

Pending Transactions may remain on your Account for up to 10 business days – but typically move to ‘Recent Transactions’ within 3 business days.

Points are only earned once a charge moves from ‘Pending Transactions’ to ‘Recent Transactions’ and can be viewed under the ‘Membership Rewards’ tab in your Online Account.

Some Merchants use this as a security measure to protect their customers. They may contact us to confirm that your Card is valid and not lost or stolen – and this is achieved by processing a $1 authorisation charge. Please be assured that Merchants do not actually proceed with the charge, and it will not appear on your statement.

To check the status of your inquiry online:

1. Log in to your Online Account

2. Select ‘Your Card Activity’ under ‘Statement’

3. Click on ‘Dispute Activity’

4. Select the inquiry you’d like to review the status of. You can also cancel an open dispute.