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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When americanexpress.com first appeared online, and whether it can receive email
  • What kind of line 01273 211158 is, and the other firm that gives it
  • Who else gives the postcode SW1W 9AX
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • American Express Trading name: A name it trades under now.

FCA permissions and consumer protection

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
851
upheld, against a 31% median
33%
about banking and credit
849

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

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)

Directors and company secretaries

Name Role Born Appointed Other companies
Lucy Fenwick Director Oct 1969 23 Jul 2019 2 other companies
Hannah Louise Lewis Director Dec 1978 26 Feb 2020 2 other companies
Arti Aggarwal Director Jun 1979 13 Oct 2022 None
Christopher John Taylor Director Dec 1978 30 Nov 2022 None
Ruchi Sharma Director Feb 1985 5 Aug 2024 None
Caroline Jane Bouvet Director Sep 1979 1 Dec 2025 None
Julia Anne Huson Director Dec 1977 15 Jan 2026 6 other companies
Gurinderjit Kaur Gill Secretary Not published 21 Aug 2021 –

Other companies run by these 7 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
8
still active
8
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register, including one no longer authorised
  • The 2 companies these 7 directors run together
  • All 62 people who have ever been directors, with their dates
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Key dates in its history

American Express Services Europe’s history from the FCA register and Companies House, newest first.

2016

30 June 2016

  • American Express Holdings Limited took control (75–100% of shares)

Companies House

2015

30 October 2015

  • Regulated by the FCA from this date

FCA register · Companies House

2005

14 January 2005

  • Became authorised by the FCA

FCA register

1984

16 July 1984

  • Incorporated at Companies House

Companies House

In the full report: all 124 events

  • All 124 events in its history (4 shown here)
  • Every director appointment and resignation: 116
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Firms connected to American Express Services Europe

Other FCA-listed firms that share a director, phone number or address with American Express Services Europe. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like American Express Services Europe

Other firms of the same type (lender), nearest first.

In London

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on American Express Services Europe

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 124 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

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. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.
What is American Express Services Europe’s phone number and website?
The FCA register lists the phone number 01273 211158 and the website americanexpress.com for American Express Services Europe. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is American Express Services Europe a scam or clone?
American Express Services Europe is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with American Express Services Europe?
Its FCA permissions do not allow it to hold or control client money. 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.
Who owns American Express Services Europe?
American Express Services Europe is owned by American Express Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 30 June 2016.
Who runs American Express Services Europe?
Companies House lists 7 directors of American Express Services Europe: Lucy Fenwick, Hannah Louise Lewis, Arti Aggarwal, Christopher John Taylor, Ruchi Sharma, Caroline Jane Bouvet and 1 more.
How long has American Express Services Europe been in business?
The company was formed on 16 July 1984, and has held its current FCA authorisation since January 2005.
How many complaints does American Express Services Europe get?
In January–June 2025, the Financial Ombudsman Service received 851 new complaints about American Express Services Europe, and upheld 33% of those it decided.
Does American Express Services Europe use any other names?
It trades as American Express.

Sources and links

The full report on American Express Services Europe Limited

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