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American Express exchange rates

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

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.

I want to send


Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 200 1 - 2 days - - Quick and simple international money transfers with zero-margin exchange rates. There's a flat 0.5% transfer fee for most transfers. Earn loyalty points on sign up, referral and every transaction. Go to site Show details
EUR 100 1 - 2 days AUD 0.00 0.693 USD
Go to site Show details
EUR 8 3 - 5 days AUD 5.00 0.686 USD
A peer-to-peer transfer service with a large range of currencies on offer. One free transfer if you signup via Go to site Show details
GBP 10,000 1 day AUD 0.00 0.683 USD
Go to site Show details
AUD 0 3 - 5 days AUD 30.00 0.67 USD
Get help sending business payments 24/7 to over 130 currencies with Western Union. 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.

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