Chip & PIN FAQs
American Express® Chip & PIN – Frequently Asked Questions
A PIN or Personal Identification Number is a personal security feature and essentially your digital signature. Chip and PIN technology uses your Card’s microchip to encrypt your Card information.
Yes, the American Express® App lets you view, change and unlock your PIN. Head to the App and select ‘Activate and Manage Cards’ found in the Account tab, then select Manage Card PIN and follow the prompts to View or Change PIN.
No, you can choose any combination of 4 digits as you prefer. Please remember that the PIN should be easy for you to remember; however difficult for someone else to guess. In case you forget your PIN, you can view it using your Online Services Account or the Amex App.
Please be aware that all your American Express Cards will need a PIN. We strongly recommend that you choose and remember a different PIN for each Card you have, if possible. However each Card holder (including your Supplementary Card holders’) must choose their own PIN.
You can view your PIN instantly by logging on to your Online Services Account. Once logged in, click on 'Account Management 'and then click on 'View PIN' tab, you'll then be asked some security questions. Follow the steps as prompted.
You can also view your PIN via the Amex App. Select ‘Activate and Manage Cards’ found in the ‘Account’ tab, then select ‘Manage Card PIN’ and follow the prompts to View PIN.
Yes. Your PIN will work for both purchases and cash withdrawals.
Yes, you need to authorize in-store purchases using a PIN. Please note that contactless Card or Near Field Communication (NFC) payments do not require a PIN to authorize a purchase for payments up to £45 in the UK. For purchases above £45*, PIN authentication will be required.Click here to learn more about Contactless payments.
Yes, you should be able to use your American Express Chip & PIN Card to authorize transactions abroad. If the local standard of payment in the country you are visiting is Chip & PIN, then you should be able to use your Card in the same way as you use in the UK. Please follow terminal / merchant instructions.