AMERICAN EXPRESS SERVICES EUROPE LIMITED

Reference number: 661836

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

Also trades as
  • American Express

Company details

From the company's Companies House record.

Company number
01833139
Company status
Active
Company type
Private limited company
Incorporated
16 July 1984 (42 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Current directors and secretaries

Name Role Born Appointed
Lucy Fenwick Director Oct 1969 23 Jul 2019
Hannah Louise Lewis Director Dec 1978 26 Feb 2020
Arti Aggarwal Director Jun 1979 13 Oct 2022
Christopher John Taylor Director Dec 1978 30 Nov 2022
Ruchi Sharma Director Feb 1985 5 Aug 2024
Caroline Jane Bouvet Director Sep 1979 1 Dec 2025
Julia Anne Huson Director Dec 1977 15 Jan 2026
Gurinderjit Kaur Gill Secretary Not published 21 Aug 2021

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.

    How safeguarding works →

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.

    Check your FSCS cover →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (10 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 4. Executing payment transactions (credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • 6. Money remittance.
  • Arranging (bringing about) deals in investments
  • Dealing in investments as agent
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

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

Track record

What customers have complained about

Complaints record

In January–June 2025, the Financial Ombudsman Service received 851 new complaints about this firm, and upheld 33% of the ones it decided.

That is about typical: the median across the firms the Ombudsman reports on is 31%.

  • Banking and credit 849
  • Insurance 2

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is AMERICAN EXPRESS SERVICES EUROPE LIMITED FCA authorised?
Yes, AMERICAN EXPRESS SERVICES EUROPE LIMITED (FRN 661836) is authorised by the FCA to carry out regulated activities.
Is my money safe with AMERICAN EXPRESS SERVICES EUROPE?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount, and eligible claims may be protected by the FSCS. You can also refer complaints about AMERICAN EXPRESS SERVICES EUROPE to the Financial Ombudsman Service, free of charge.
Is AMERICAN EXPRESS SERVICES EUROPE a scam or clone?
AMERICAN EXPRESS SERVICES EUROPE 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 SERVICES EUROPE's Firm Reference Number (FRN)?
AMERICAN EXPRESS SERVICES EUROPE's FRN is 661836. You can verify it on the FCA register.