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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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INSTITUTIONAL CRYPTO DERIVATIVES DEALEREnhanced Digital Group

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BROKERAGE FIRMFCS Capital Markets

London-based, FCA-authorised FCS Capital Markets Ltd (FRN 772626) offers professional clients equity, derivatives and bond execution as well as AMC and securitisation structures, and does not serve retail clients.

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INVESTMENT PLATFORMFidelity International

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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

American Express

Payment institution · United Kingdom

About the company

Legal company nameAmerican Express Payment Services Limited · American Express Services Europe Limited
Year founded1850
Headquarters / registered countryLondon, United Kingdom
Websitewww.americanexpress.com/en-gb/
Last checked08.10.2026

According to its official website, American Express is a financial services group whose roots go back to 1850 and which offers personal credit cards, business and corporate cards, merchant services, the Membership Rewards programme and travel and insurance services in the United Kingdom; the site's copyright notice names American Express Company. Card acceptance agreements in the United Kingdom are made with American Express Payment Services Limited, registered at Belgrave House in London; according to the card acceptance terms of March 2024, the company is authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017 to provide payment services (FRN 484347). The site also says that American Express Services Europe Limited, which issues cards in the United Kingdom, is authorised and regulated by the FCA (FRN 661836). Merchants are offered card acceptance and Pay with Bank Transfer, and cardmembers manage their cards through the Amex app and online account. This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal, business and corporate cardmembers · Merchants
MIN. DEPOSITNot stated
PLATFORMSAmex app · Online account
PRODUCTSCredit cards · Business and corporate cards · Merchant card acceptance · Pay with Bank Transfer · Membership Rewards

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 484347
Licence holderAmerican Express Payment Services Limited
ScopeListed in the FCA register as an Authorised Payment Institution under American Express Payment Services Limited (FRN 484347) since 17 May 2018.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 661836
Licence holderAmerican Express Services Europe Limited
ScopeListed in the FCA register under American Express Services Europe Limited (FRN 661836) since 14 Jan 2005; Authorised Payment Institution status since 14 Jun 2018. It holds permissions to enter into regulated consumer credit agreements as lender and to provide payment services.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: August 2026 – October 2026

  • Withdrawal / payment: 3
  • Account / trading conditions: 3
  • Customer support: 2
  • Identity verification: 1
  • Other: 1

No. 379 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 364. · Account / trading conditions: 370. · Customer support: 294. · Identity verification: 269. · Other: 314.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews written from the United Kingdom on American Express's Trustpilot page (10) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the American Express name are left out. Across the complaints, reduced card limits and account restrictions, unresolved charge disputes and customer service described as inadequate stand out.

Sources and verification history

Official company sourcesamericanexpress.com/en-gb — homepage, company/about/information (legal information) page, UK card acceptance terms (PDF, 03/2024)
Regulator recordsFCA — American Express Payment Services Limited, FRN 484347 (register.fca.org.uk) · FCA — American Express Services Europe Limited, FRN 661836 (register.fca.org.uk)
Company registerCompanies House — AMERICAN EXPRESS PAYMENT SERVICES LIMITED, company no 06301718, incorporated 04.07.2007
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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