How to make a payment

To continue to protect your Account and meet regulatory commitments, payments made to your American Express^® Card must come from a bank account in your name.

• Personal Cards: Payments must be made from a personal bank account in the main Cardmember’s name. This includes payments for transactions completed by Supplementary Cardmembers.
• Small Business and Corporate Cards: Payments must be made from a personal bank account in the main Cardmember’s name or from a business account in the same name as the company.
• Joint accounts: Payments can be made from joint accounts so long as the main Cardmember is named on the account and is an authorized signatory.
• Name variance: If the name on your paying bank account differs from the name of your American Express Card Account, we may contact you for more information.

It’s important to let you know that we are unable to allow payments to be made from any unrecognised persons/companies/entities going forward – as these might result in disruption to your Account. All payments are subject to additional checks, and we may contact you if we need further information.

You can choose what is convenient to you, from a variety of ways to make your monthly payments. For ease of mind you can set up Card alerts to receive SMS and email payment notifications. 

Pay your bill on-the-go, wherever you go with the American Express® App.

Pay your bill online at any time using your Online Services Account. 

Pay by Direct Debit

Paying by Direct Debit is a great way to ensure that you pay your monthly payments on time. You’ll always have peace of mind knowing you’ve made a payment. You can set up a Direct Debit via your Online Services, using the Amex App or by completing a Direct Debit mandate form.

To set up Direct Debit you will need your bank account/building society sort code and account number. When enrolling for Direct Debit, you must use a UK personal bank account that is held in your name. If you are not the only person authorised to make payments from the account, we will require a Direct Debit mandate form with a signature from any other authorised parties.

If you are direct debit enrolled, from 1 November 2024 statements onwards, we are changing when Direct Debit payments to American Express will be collected. The date we collect your direct debit is still shown on your statement. You can adjust your statement date, and therefore when your Direct Debit is normally taken each month, by contacting us.

When you set up a Direct Debit, you will have an option to select to automatically pay in one of the following ways:

For Charge Cards:

• Pay the full amount

For Credit Cards:

• Pay the minimum due
• Pay the full amount
• Pay a fixed percentage of the balance

Find out more about Card repayment options and a glossary of terms.

Setting up Direct Debit using our Online Services    

Setting up Direct Debit using our Online Services is a quick and easy process.

Step 1 – Log in with your existing Online Account details or set up an Online Account.

Step 2 – Go to 'Payments' in the navigation and select 'Direct Debit'.

Step 3 – Complete your bank account/building society details.

Step 4 – Confirm your Direct Debit payment options.

Step 5 – Review your details and confirm.

Setting up Direct Debit using the Amex App

Setting up Direct Debit on the Amex App is quick and allows you to monitor your Account on the go.

Step 1 – Download the Amex App or log in with your existing Online Account details. If you do not have an Online Account you can also set this up in the Amex App once you have downloaded it.

Step 2 – Select ‘Account’.

Step 3 – Click on ‘Direct Debit’.

Step 4 – Click on ‘Set up Direct Debit’.

Step 5 – Select and confirm your payment option.

Step 6 – Complete your bank account/building society details.

Step 7 – Review and confirm your details.

Direct Debit mandate form

You can enrol in to Direct Debit by completing and returning the Direct Debit mandate form to us.

Step 1 – Set up a Direct Debit by downloading and completing a Direct Debit mandate form based on the type of Card you have.

Step 2 – Complete all the fields in the form.

Step 3 – Log in to your Online Services and upload the form to the Document Centre.

Please keep in mind that the Document Centre can only be used for Personal Cards at this time. Alternatively, post the completed form to the address provided on the front of the form.

Note: Direct Debit collection timeframes vary, so please ensure you check your statement to find out when your Direct Debit will collect. If you are setting up your Direct Debit online or via the Amex App, you will be advised during the set-up journey when your Direct Debit will begin and when the payment will collect. In some instances, we may need to ask you for more information in order to setup your Direct Debit. The more you pay off your Credit Card, or if you pay all of your balance by the due date, you will pay less interest. You can find out what the minimum repayment is for your Credit Card by looking at your Credit Card statement. Direct Debit payments for Charge Cards require the full balance. Once the Direct Debit is set up, you will see it clearly marked on your statement and you will receive a confirmation letter to your billing address. Until this time, please continue to make your payments in the usual way.

If you have a Corporate Account that is settled by the company, you are not able to set up a Direct Debit. If you hold a Charge Card with the Flex Select facility please contact us to set up Direct Debit.

Use a debit card

You can pay your monthly bill using your Online Services or the Amex App to pay on the go.

You can pay with Visa, Switch, Solo, Maestro, Mastercard, Electron or Delta debit card issued to the main Cardmember. 

Note: If you have a Direct Debit set up on your Account, please avoid making payments four working days prior to Direct Debit collection date to avoid duplicate payments.

Pay by debit Card using our Online Services

Step 1 – Log in with your existing Online Account details or set up an Online Account.

Step 2 – Go to 'Payments' in the navigation and select 'Make a Payment'.

Step 3 – Add debit Card to your account or select one that has been saved. 

Step 4 – Select your payment option or select to pay a specific amount. 

Step 5 –Review Card and payment details. Enter additional Card security details. You may be prompted for a Card security check.

Pay by debit Card using the Amex App

Download the Amex App to pay on the go wherever you are. It’s secure and easy to manage your Account.

Step 1 – Download the Amex App or log in with your existing Online Account details. If you do not have an Online Account you can also set this up in the app once you have downloaded it.

Step 2 – Once you are logged in, tap “Make Payment”.

Step 3 – Select your payment option or select to pay a specific amount. 

Step 4 – Select “Today” as the payment date.

Step 5 –Scroll to the bottom of the screen to “Other Payment Method” and select “Debit Card”.

Step 6 – Add debit Card to your account or select one that has been saved.

Step 7 – Review Card and payment details. Enter additional Card security details. You may be prompted for a Card security check.

Note: Please ensure you pay only up to the amount shown on your balance. American Express cannot accept payment for more than the outstanding current total balance. Debit Card payments will usually update your balance as soon as they are authorised, although Corporate Accounts and Accounts with a Flex Select balance can take 2 - 3 business days to update. If you are enrolled into Card alerts you will receive an email confirming the payment has been received.

Use internet banking 

Personal Cardmembers

Please be aware that bank transfers must come for a personal bank account that is held in your name.

Please use the following bank details:

Account name: American Express Services Europe Limited

Sort code: 30-00-00

Account number: 00200476

Use your 15 digit American Express Card number as the reference. 

Your Faster Payment or BACS payment will update your balance as soon as it has been received.   

Note: If you have a Direct Debit set-up on your Account, please avoid making payments four working days prior to Direct Debit collection date to avoid duplicate payments. 

Individually Billed / Paid Corporate Cardmembers / Personal Cardmember CHAPS

Please be aware that bank transfers must come for a personal bank account that is held in your name, or from a business account in the same name as the company.

Please use the following bank details:

Account name: American Express Services Europe Limited

Sort code: 30-00-02

Account number: 00888082

Lloyds Bank PLC, City Office

Use your 15 digit American Express Card number as the reference.

Note: Please ensure you pay only up to the amount shown on your balance. American Express cannot accept payment for more than the outstanding current total balance. Faster Payments made to Corporate Accounts or Accounts with a Flex Select balance can take 2 - 3 business days whilst BACS payments can take 3 - 5 business days to appear on your Account. A CHAPS payment to a Personal Card will update your balance displayed as soon as it has been received. Note: If you have a Direct Debit set-up on your Account, please avoid making payments four working days prior to Direct Debit collection date to avoid duplicate payments.

Make an international payment

If you would like to pay from an international bank account, please use the following details:

IBAN: GB65LOYD30000200888082

Swift reference: LOYDGB2LCTY

Use your 15 digit American Express Card number as the reference.

Note: If you have a Direct Debit set-up on your Account, please avoid making payments four working days prior to Direct Debit collection date to avoid duplicate payments.