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.
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Phone number
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Address
Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom
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
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 safeguardedYour 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 applyEligible 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 coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou 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 number
- 01833139 (opens Companies House in a new tab)
- 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
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- 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
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
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
Firms like American Express Services Europe
Other firms of the same type (lender), nearest first.
In London
Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorised
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
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Ombudsman complaints data, January–June 2025 financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk