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Pay with Bank transfer is a way to securely pay for goods or services via a direct transfer from your bank account. It’s really simple to use and takes place in just a few quick clicks with no account set up required. What’s more, with the payment itself being handled entirely by your bank, you benefit from bank-grade security, and none of your payment details being stored by American Express or the business you are buying from.
It’s powered by American Express, but open to everyone.
After you click to Pay with Bank transfer and select your preferred bank, we will securely re-direct you to your bank’s app or online environment. You will authenticate yourself directly to your bank using its normal method, and your bank uses your personal information only to verify your identity and confirm sufficient available funds for the purchase. Your personal payment information will not be stored by American Express or the business you are buying from.
Currently it works with all the major UK banks, and we’re always adding more challenger or smaller banks.
Pay with Bank transfer is available whenever you see the logo as an option at checkout. Certain banks may impose a transaction amount limit for very large purchases.
Paying with Bank transfer is super simple:
That’s it! There’s no account set up or card details required, and if you have your bank app installed on your phone, you can often authenticate using biometrics.
All you need to use Pay with Bank transfer is a UK bank account with one of our supported banks (all major and most challenger banks). You will also need to have online banking enabled for your account.
Whilst Pay with Bank transfer is powered by American Express, you do not need to be an American Express Cardmember to use it.
Paying via Bank transfer means you benefit from bankgrade security, no shared card details, and visibility of your balance before you approve the payment, as the payment is handled entirely by your bank. It also means you can make a speedy mobile payment on the go, even when you don’t have your card to hand.
No, whilst Bank transfer is powered by American Express, purchases made with Bank transfer are not linked to your Card account. Therefore, if you want to earn your points/miles/cashback, you will need to pay with your American Express card.
The transaction will be reflected on your bank statement issued by the bank you selected to make the payment from.
No, you won’t incur any fees for Paying with Bank transfer.
No, Pay with Bank transfer is powered by American Express but open to everyone, so you don’t need to have an American Express Card. All you need is a UK bank account with one of our supported banks (all major banks and most challenger banks).
Once the transaction has been approved by your bank, your bank account will be debited instantly, so no pending payments.
Currently, Pay with Bank transfer works with all major UK banks, and many smaller or challenger banks. We’re always adding new banks to the service. However, if you can’t see your preferred bank listed, then please choose an alternative bank you hold an account with or an alternative payment method.
If you need a refund or return, please contact the business you made the purchase from. All refunds and returns will be processed by the business and are subject to their refund and returns processes.
If you do not receive the goods or services, you purchased then please contact the business you have made the purchase from. Please keep your order number handy so that the business can track the transaction and assist you.
If you have questions, please contact your bank by calling the number listed on the back of your debit card. If necessary, your bank will help you through the formal dispute process.
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Please select the option most appropriate to your situation.
If you already have an account with us, and ordered using this account, please use the following fields to login to your returns portal:
If you have made an order with us, but do not have an account, please add your email address and your order number, in order to log into your returns portal:
