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American Express exchange rates

Find out what exchange rates you can expect from a business transfer with Amex.

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Exchange rates make up a big part of the cost of every money transfer, so it's important to compare what rates different services offer.

Keep in mind that Amex only offers international money transfers for businesses, so if you're looking for a non-business transfer, check out some alternatives.

What are American Express foreign exchange rates?

To find out what exchange rates American Express offers, you'll need to either already have an account with Amex or call one of its FX specialists. Banks in Australia, in general, will add around 5–10% to the exchange rate as a margin.

A lot of specialist money transfer services, by comparison, will only add a margin of 1–2%. Get some quotes below to see how American Express compares to the other options and to the mid-market rate.

Sending money with American Express: What to know

What we like

  • Rewards. American Express can offer rewards for its cardholders. You don't need to have an American Express card to use its business money transfers, but it does offer a few perks.
  • Scale. American Express offers over 130 currencies all around the world, 24-hour customer support and the other hallmarks of a global finance giant.

What to watch out for

  • Fees. Beyond the fees on the American Express card itself, you'll need to be mindful of any extra transfer fees for international payments.
  • The exchange rates. The exchange rates offered by American Express may not be as good as what you'll find with specialised money transfer services.

How do American Express exchange rates compare?

Even on a single transfer, it can be worth hunting down a good deal to save money. If you make regular international transfers or frequent payments for your business it's even more important to find the most cost-effective option, as the savings will grow considerably over time.

The calculator below lets you quickly browse some other options. Just enter the currencies and amount you're sending, then it will show you the approximate amount your recipient will receive.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 Same day AUD 0.00 0.71 USD
7,103
XE Money Transfer can help your business unlock international transfers. Forward contract and limit order options available. Go to site Show details
AUD 2,000 1 day AUD 0.00 0.711 USD
7,110
Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.711 USD
7,110
Fee-free transfers in 30+ currencies to over 200 countries for business customers. Go to site Show details
EUR 100 1 - 2 days AUD 0.00 0.708 USD
7,082
$0 online transfer fee for your business with access to a 24/7 online platform. Go to site Show details
EUR 8 3 - 5 days AUD 5.00 0.709 USD
7,085
A peer-to-peer transfer service with a large range of currencies on offer. Go to site Show details

Compare up to 4 providers


The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

Logo for SendFX International Money Transfers
SendFX International Money Transfers

SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.

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