Spain · Payments & e-money
American Express Europe, S.A.
Legal name in the LEI recordAMERICAN EXPRESS EUROPE SA
American Express Europe, S.A. is a Spanish public limited company with its registered office in Madrid. The Banco de España authorises it as a payment institution under registration number 6.837. American Express Company owns it outright, holding it directly through American Express Services Europe Limited. It issues American Express charge, credit and corporate cards to consumers and businesses in Spain. It also issues them in other EEA countries through its branches or on a cross-border basis. On 1 March 2019 it took over card-issuing operations that American Express Services Europe Limited transferred to it.
Licences and registrations
Held by American Express Europe, S.A. (LEI 549300MZDW5XNH3F6F85). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterBank of Spain | Payment institutionPayment Institution | 6837 | Spain | Active | 2019-03-15 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
American Express Services Europe Limited
Firm type
Other
Trades as American Express
- Ownership
- American Express Company owns the firm outright, holding it directly through American Express Services Europe Limited, according to the firm's 2025 non-financial statement and its LEI record.
- Direct parent
- American Express Services Europe Limited, United Kingdom
- Ultimate owner
- American Express Company, United States
- Head office
- Avenida del Partenón, 12-14, 28042 Madrid, Spain
- Company register
- Registro Mercantil de Madrid, Hoja M-257407 (NIF A-82628041)
- Incorporated
- 14 Apr 2000
- Former names
- American Express Card España, S.A. – Sociedad Unipersonal · American Express Establecimiento Financiero de Crédito, S.A.U.
Online
- Websites & references
- americanexpress.com ↗
- Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 11 pages consulted
- americanexpress.com/es/empresa/reglamento/
- americanexpress.com/es-es/?inav=NavLogo
- americanexpress.com/content/dam/amex/es/beneficios/EINF_AEESA_2025.pdf
- americanexpress.com/content/dam/amex/es/beneficios/AmericanExpress_PCbCR_English_1.pdf
- americanexpress.com/es/empresa/informacion-sobre-american-express.html
- americanexpress.com/content/dam/amex/es/beneficios/81122CH0411.pdf
- americanexpress.com/es/servicio-a-clientes/digital/amex-espana.html
- americanexpress.com/es/tarjetas/tarjetas-de-credito/
- americanexpress.com/content/dam/amex/uk/company/legal/aesel-2023-financial-statement.pdf
- abcouncilspain.es/en/governing-bodies/
- forbes.es/economia/888739/juan-orti-american-express-sustituye-a-gabriel-escarrer-como-presidente-d
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Banco de España authorises the firm as a payment institution under registration number 6.837. It confirmed that authorisation under Royal Decree-law 19/2018 on 15 March 2019. The firm says it operates in 29 other EEA states under the passport, through branches or cross-border services. It offers travel services under a Comunidad de Madrid travel agency licence (C.I.C.M.A. nº 28).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Banco de España Spain | Entidad de pago (payment institution) | 6.837 | In its own name | Active | americanexpress.com ↗ |
| Comunidad de Madrid Spain | Agencia de viajes mayorista y minorista (travel agency) | C.I.C.M.A. nº 28 | In its own name | Active | americanexpress.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that, under article 21 of Royal Decree-law 19/2018, it safeguards customer funds by depositing them in a separate account at a credit institution.
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm issues American Express charge cards and corporate and expense-management cards. It also issues credit cards in Spain and Sweden, and runs travel and lifestyle services for consumers.
The firm serves customers in Spain and has branches in 11 other EEA countries. Under its Spanish licence it can operate in 29 EEA states through branches or cross-border services, excluding card issuing in France and Italy.
- Revenue
- EUR 1.19bn
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in 12 countries
- Spain · Austria · Belgium · Denmark · Finland · Germany · Hungary · Ireland · Netherlands · Norway · Poland · Sweden
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Juan Orti Ochoa de Ocáriz Chairman of the Board of Directors of American Express Europe; Chairman and CEO of American Express Spain
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 6837
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- e952ddbf13be
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- Spain · Europe & Central Asia
- First registered
- 2019-03-15
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- American Express Services Europe Limited · United Kingdom549300GH8KY3M2QD3W46 ↗
- Ultimate parent
- American Express Company · United StatesR4PP93JZOLY261QX3811 ↗
The American Express Company group has 9 institutions in the directory, in 6 countries: 7 hold a BIC and 2 do not.
Including American Express Payment Services Limited, American Express Services Europe Limited, American Express Travel Related Services Company, Inc., American Express Australia Limited, American Express Bank LLC.
See the American Express Company group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- AVENIDA DEL PARTENON 12-14 CAMPO DE LAS NACIONES, MADRID, 28042
- Country
- Spain
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>549300MZDW5XNH3F6F85</LEI>
<Nm>AMERICAN EXPRESS EUROPE, S.A.</Nm>
<PstlAdr>
<PstCd>28042</PstCd>
<TwnNm>MADRID</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>AVENIDA DEL PARTENON 12-14 CAMPO DE</AdrLine>
<AdrLine>LAS NACIONES</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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