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FX International Payments

A secure way to wire funds overseas1

Earn up to 30,000 Membership Rewards® points

after you enroll and send up to four eligible foreign wire payments2
See details below.

Apply Now

Thank you for contacting FX International Payments!

An FX International Payments Specialist will contact you within 2 business days. If you have any questions, please e-mail amexip@aexp.com.

LEARN MORE ABOUT
INTERNATIONAL PAYMENTS

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Wire money virtually anywhere in the world.

A powerful tool for
your business

  • Send/receive international wires and more
  • Competitive exchange rates that you can see in advance, so you know the cost of your transactions.3
  • Experienced Customer Support, 24 hours a day, Monday-Friday
  • Earn 1 point for every $30 of eligible foreign currency transaction, (up to 4,000 points per transaction), which can be redeemed for rewards in travel, shopping and entertainment if enrolled.4

Earn up to 30,000 Membership Rewards® points

  • Apply for FX International Payments and, if approved, you can earn 15,000 points, on your American Express® Card enrolled in the Membership Rewards® program, after you make your first FX payment of at least $500 within 30 days of enrollment. Earn an additional 15,000 points after you make 3 additional FX payments each of at least $500 within 90 days of your first foreign wire payment.

Special Offers for
American Express® Business Card Members

  • Business Card Members

    Business Card Members are eligible to receive a waiver on American Express transaction fees on qualified foreign currency wire payments for the first six months, after that, it's $10 per foreign currency wire payment.5 Same-currency wire transactions (e.g., U.S. Dollar to U.S. Dollar) are not eligible for this offer.

  • Business Platinum Card® Members

    Business Platinum Card Members from American Express are eligible to receive a waiver on American Express transaction fees on eligible foreign currency wire transaction fees.6 Same-currency wire transactions (e.g., U.S. Dollar to U.S. Dollar) are not eligible for this offer.

  • Earn Membership Rewards® Points

    Your business can earn 1 Membership Rewards® point on every $30 of eligible foreign currency transactions (subject to a limit of 4,000 points per transaction).

Frequently Asked Questions

01Do I need an American Express® Card to enroll in the FX International Payments service?
No, the American Express Card is not needed to open an FX International Payments account, nor is it required to make a transaction. We will electronically debit the wire transfer amount, including any fees, from your authorized U.S business bank account each time you make a transaction.
02How can I get notified of favorable exchange rates?
With FX International Payments, you can request to receive automated updates on exchange rates during a period of time. With Rate Alert, FX International Payments will send you information by e-mail. This can allow you to capitalize on favorable exchange rates, avoid having to monitor the market constantly and allow you to have more time to manage your business and help decrease your costs.
03Do I need to set up a separate bank account just to be used for FX International Payments services?
No, there is no need to set up a separate bank account. We will electronically debit the wire transfer amount you request from your existing U.S business bank account. You may also set-up multiple bank accounts from which we can electronically debit your various wire transfers customized to your business needs.
04What foreign exchange products do you offer?
We offer wires and drafts in foreign currencies, including most exotic currencies. We also offer US dollar wires, and convert foreign currency wires, cash letters, and collection items into US dollar value.
05How can my beneficiary and I receive confirmation of a payment transaction?
For wire and draft transfers, FX International Payments can automatically send confirmation e-mails to the initiator of the payment and beneficiary. This can save you the hassle of informing your beneficiary or any other parties that a payment has been initiated.
06What are your hours of operation?
You may initiate a transaction over the internet 24 hours a day, 7 days a week. Our customer service line is available to assist you at 1-833-319-7265, Monday through Friday, 24 hours a day (EST).
07How long does it take for a transaction to be completed?
It typically takes 1-4 business days, depending on currency and country, for a transaction to be completed.

Get Started with FX International Payments

Apply Now

Terms and Conditions

FX International Payments is a service of American Express Travel Related Services Company, Inc. ("American Express"). This service is not available to consumers. To enroll in the service, your business will be required to complete an application which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1-833-319-7265.

1. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express' state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.

2. To earn 15,000 Membership Rewards points for activation of your FXIP account, you must satisfy the following conditions: (i) you must complete an FXIP application form and a Membership Rewards registration form and submit them to us (ii) your FXIP application and Membership Rewards registration must be processed and approved by us; and (iii) you must complete at least one foreign currency payment of at least $500 through your FXIP account no later than 30 days after you have received your welcome email and account login information. In order to earn an additional 15,000 Membership Rewards points, you must meet the conditions in the preceding sentence and you must also initiate at least three (3) additional foreign currency wire payments, each of at least $500, within ninety (90) days of your first foreign currency payment. Same currency transactions (USD to USD) are not eligible for this offer. Bonus ID A7WH

It is your responsibility to find out if you are liable for any federal, state or local taxes as a result of earning or using points.

3. American Express may provide indicative foreign exchange rates outside of business hours, which are 8:30 am to 4:45 pm Eastern Time, Monday to Friday, holidays excluded.

4. One (1) Membership Rewards® point will be awarded for every USD $30 your business wires internationally using the FX International Payments ("FXIP") service. The maximum award per transaction is 4,000 points. Not valid for same currency wire transactions (e.g. US Dollar to US Dollar). For a designated Card Member to be eligible to receive Membership Rewards points, your business must first enroll in the FXIP service. Your business must also complete and submit to us a form designating an American Express Card Member who is already enrolled in the individual Membership Rewards program to whom points will be credited. With respect to a company enrolled in the Corporate Membership Rewards program, any earned points will be credited to the relevant Program Administrator Corporate Card linked to the company's Membership Rewards program. If you select a basic personal American Express Card Member or a basic small business American Express Card Member (e.g., OPEN from American Express) to receive the award of Membership Rewards points, please note that the designated Card Member for that personal or small business account is authorized to determine how and when to redeem those points. You agree not to make any claims against American Express with regard to the manner in which the basic Card Member redeems such points. The American Express Card Member you select to receive the award of points, or in the case of Corporate Membership Rewards, the company, must be current and enrolled in the Membership Rewards program at the time the transaction is initiated. FXIP must have a completed registration on file for the Card Member's Card account or company's Program Administrator Card Corporate Card account, and there must be no unpaid FXIP obligations of your business or other violation of or defaults under the FXIP Terms and Conditions at the time of point fulfillment. No points will be awarded retroactively for transactions processed prior to the enrollment of the business in the FXIP service and the processing of the Membership Rewards program registration form. In the event a registered Card is lost, stolen or renewed, you must register the new Card by submitting an updated form to FXIP with the new Card information. Processing of the registration form takes approximately 2-4 weeks. To obtain a registration form, call 1-833-319-7265. Points will be credited to the Card Member's Membership Rewards program account or Corporate Membership Rewards account, if applicable, within 10-12 weeks after the eligible transaction is completed. Membership Rewards points that are awarded for transactions with FXIP are subject to the terms and conditions of the Membership Rewards program, including rules regarding forfeiture of Membership Rewards points. Note that the rewards available in the Membership Rewards program vary depending on the type of American Express Card enrolled in Membership Rewards. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo. Participating partners and available rewards are subject to change without notice. See membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. A company that is enrolled in Corporate Membership Rewards, and points earned under that program, are subject to the terms of the Corporate Membership Rewards program (see membershiprewards.com/CorporateTnC). Transactions by university or financial institution clients are not eligible for this offer. FXIP reserves the right to change, limit, modify or cancel this offer at any time. Bonus ID A9PE

It is your responsibility to find out if you are liable for any federal, state or local taxes as a result of earning or using points.

5. If an OPEN Card Member applies for the FX International Payments service and is approved by American Express, American Express will waive its transaction fee on foreign currency wire payments for 6 months, and charge a transaction fee of $10 after the six month waiver period ends. This reduced fee may be discontinued by American Express at any time or in the event you cease to be an American Express OPEN Card Member. Wire payments in the same currency (e.g., USD to USD) are not eligible for this offer and are subject to a transaction fee (typically $35). Consult your FX International Payments Sales Representative for more details. There is no minimum number of transactions in order to qualify for this offer, but a minimum transaction size may apply, depending on the type of currency of the wire payment. In some countries, the receiving bank may assess its own transaction fees on your wire payment. You recognize that, even if American Express does not charge you a transaction fee on your foreign currency wire payment, American Express may earn revenue from the foreign exchange transaction. Other fees may apply to products and services other than foreign currency wire payments.

6. If an OPEN Business Platinum Card Member applies for the FX International Payments service and is approved by American Express, American Express will waive its transaction fee on foreign currency wire payments. This waiver may be discontinued by American Express at any time or in the event you cease to be an American Express OPEN Business Platinum Card Member. Wire payments in the same currency (e.g., USD to USD) are not eligible for this waiver and are subject to a transaction fee (typically $35). Consult your FX International Payments Sales Representative for more details. There is no minimum number of transactions in order to qualify for this waiver, but a minimum transaction size may apply, depending on the currency of the transaction. In some countries, the receiving bank may assess its own transaction fees on your wire payment. You recognize that, even if American Express does not charge you a transaction fee on your foreign currency wire payment, American Express may earn revenue from the foreign exchange transaction. Other fees may apply to products and services other than foreign currency wire payments.

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NMLS ID # 913828