American Express International Inc

Reference number: 756205

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

AMERICAN EXPRESS SERVICES EUROPE LIMITED Reference number: 661836 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • American Express International Inc (FRN 756205) is an AR of AMERICAN EXPRESS SERVICES EUROPE LIMITED (FRN 661836). When you use American Express International's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from American Express International, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through AMERICAN EXPRESS SERVICES EUROPE LIMITED, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is American Express International Inc FCA authorised?
American Express International Inc (FRN 756205) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for American Express International?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. American Express International Inc (FRN 756205) is an AR of AMERICAN EXPRESS SERVICES EUROPE LIMITED (FRN 661836). When you use American Express International's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from American Express International, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with American Express International?
Protection works through AMERICAN EXPRESS SERVICES EUROPE LIMITED, the principal firm responsible for American Express International's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is American Express International a scam or clone?
American Express International is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is American Express International's Firm Reference Number (FRN)?
American Express International's FRN is 756205. You can verify it on the FCA register.