Razón socialAmerican Express Payment Services Limited · American Express Services Europe Limited
Año de fundación1850
Sede / país de registroLondon, United Kingdom
Sitio webwww.americanexpress.com/en-gb/
Última comprobación08.10.2026
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.
Datos de la cuenta
TIPOS DE CUENTAPersonal, business and corporate cardmembers · Merchants
DEPÓSITO MÍN.Not stated
PLATAFORMASAmex app · Online account
PRODUCTOSCredit cards · Business and corporate cards · Merchant card acceptance · Pay with Bank Transfer · Membership Rewards
Licencias y regulación
FCA (United Kingdom)
N.º de licenciaFRN 484347
Titular de la licenciaAmerican Express Payment Services Limited
AlcanceListed in the FCA register as an Authorised Payment Institution under American Express Payment Services Limited (FRN 484347) since 17 May 2018.
EstadoVerificada
FCA (United Kingdom)
N.º de licenciaFRN 661836
Titular de la licenciaAmerican Express Services Europe Limited
AlcanceListed 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.
EstadoVerificada
Quejas de usuarios
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: agosto 2026 – octubre 2026
Préstamos y tarjetas de crédito: 4
Retiros y pagos: 2
Atención al cliente: 2
Operaciones no autorizadas: 1
Bloqueo y congelación de cuentas: 1
BAJO — NIVEL DE QUEJAS
El 64 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Préstamos y tarjetas de crédito: Alto · Retiros y pagos: Bajo · Atención al cliente: Medio · Operaciones no autorizadas: Muy alto · Bloqueo y congelación de cuentas: Bajo
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, unresolved charge disputes and customer service seen as inadequate stand out.
Fuentes e historial de verificación
Fuentes oficiales de la empresaamericanexpress.com/en-gb — homepage, company/about/information (legal information) page, UK card acceptance terms (PDF, 03/2024)
Registros del reguladorFCA — American Express Payment Services Limited, FRN 484347 (register.fca.org.uk) · FCA — American Express Services Europe Limited, FRN 661836 (register.fca.org.uk)
Registro mercantilCompanies House — AMERICAN EXPRESS PAYMENT SERVICES LIMITED, company no 06301718, incorporated 04.07.2007
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX