United States · Money service business
American Express Travel Related Services Company, Inc.
American Express Travel Related Services Company, Inc. (TRS) is a New York corporation headquartered at 200 Vesey Street, New York. American Express Company owns it outright and calls it its principal operating subsidiary. The Federal Reserve Board supervises TRS as a bank holding company that has elected financial holding company status. State regulators license it as a money transmitter under NMLS ID 913828. TRS is the contracting party in US merchant agreements for American Express Card acceptance. It also provides money transmission services to businesses, such as the American Express One AP supplier payment service.
Licences and registrations
Held by American Express Travel Related Services Company, Inc. (LEI SV60HQBVB2DXO09D8H53). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| MSB Registrant SearchFinCENLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | —Money Transmitter / Remittance | Not published by the register | United States | Active | 2025-10-16 | — |
|
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| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | MSB (foreign indicator not selected)Cheque Casher / Money Order Seller | M09648026 | Canada | Ceased | 2009-02-18 | Ended 2020-12-09 |
|
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Licences and registrations listed here were granted in Canada. This BIC is registered in the United States.
Trading names on the register: AMERICAN EXPRESS (FINTRAC-MSB)
- Licences belong to the legal entity, not to a BIC.
- 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.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- AETCUS3AXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under AETCUS3A directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2016-11-19
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% American Express Company
Firm type
Merchant acquiring and processing
Trades as American Express
- Ownership
- American Express Company owns 100% of the firm directly. The parent's shares are listed on the New York Stock Exchange.
- Direct parent
- American Express Company ↗, United States 100%
- Head office
- 200 Vesey Street, 10285 New York, United States (registered office: C/O C T Corporation System, 28 Liberty St., New York 10005, US)
- Incorporated
- 3 May 1982
Online
- Websites & references
- americanexpress.com ↗
- Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- ffiec.gov/npw/Institution/Profile/3793536
- americanexpress.com/us/prepaid/state-licensing.html
- amexgiftcard.com/money-services
- americanexpress.com/?inav=en_us_menu_navlogo
- americanexpress.com/en-us/business/global-pay/?inav=us_menu_business_checking_payment_products_international_
- paypal.com/us/legalhub/paypal/amexcaa-full
- federalreserve.gov/newsevents/pressreleases/enforcement20260918a.htm
- justice.gov/archives/opa/pr/american-express-agrees-pay-1087m-settle-allegations-deceptive-marketing-
- sec.gov/Archives/edgar/data/949349/000112528204001306/b331009_10k.txt
- sec.gov/Archives/edgar/data/4962/000000496225000016/axp-20241231.htm
- dfpi.ca.gov/regulated-industries/money-transmitters/directory-of-money-transmitters/
- ir.americanexpress.com/governance-and-corporate-responsibility/executive-committee-and-directors/person-details/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Federal Reserve Board supervises the firm as a bank holding company that has elected financial holding company status. US state regulators license it as a money transmitter (NMLS ID 913828). FinCEN lists it as a registered money services business.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Board of Governors of the Federal Reserve System United States | Financial Holding Company - Domestic (bank holding company) | RSSD ID 3793536 | In its own name | Active | ffiec.gov ↗ |
| US state regulators (NMLS) United States | Money transmitter and sale-of-checks licences in 48 states, plus the District of Columbia, Puerto Rico, Guam and the US Virgin Islands (undated list) | 913828 | In its own name | Active | americanexpress.com ↗ |
| Financial Crimes Enforcement Network (FinCEN) United States | Money Services Business registration (money transmitter) | — | In its own name | Active | — |
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
- Payment schemes and card networks
- American Express network Direct paypal.com ↗
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
TRS contracts with US merchants to accept American Express Cards. It provides the One AP supplier payment service to US businesses and handles American Express Travelers Cheques and foreign currency purchases under its money services licences.
TRS serves customers in the United States under federal and state authorisations. Other group entities run the American Express business in other countries.
- Sells to
- Enterprises · Small businesses · Consumers · Public sector
- Serves customers in
- United States
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Stephen J. Squeri CEO (of TRS, per Florida corporate register); Chairman and CEO of American Express Company
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The Federal Reserve Board issued a consent prohibition order against a former TRS employee for misapplication of funds and conflicts of interest.
federalreserve.gov ↗ -
Other
American Express discontinued Global Pay, a cross-border business payment service that TRS provided as a money transmission service.
americanexpress.com ↗ -
Enforcement
American Express Company, the parent, agreed to pay a USD 108.7 million civil penalty over alleged deceptive small-business card and wire product marketing.
justice.gov ↗
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
Head-office record
- BIC
- AETCUS3AXXX
- How the BIC breaks down
- AETCBank
- USCountry · United States
- 3ALocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- SV60HQBVB2DXO09D8H53
- LEI record
- View on GLEIF ↗
- Licence no. · FINTRAC-MSB
- M09648026
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry IDs
- a3519eeac09b · 408ffdb00ba5
Profile
- Type
- Money service businessRemittance, currency exchange, cheque cashing and money orders. Usually registered with an anti-money-laundering supervisor rather than licensed prudentially. Taken from the licences on the tracked registers.
- Regulation
- AML registration onlyRegistered with an anti-money-laundering supervisor (FinCEN, FINTRAC, HMRC, AUSTRAC, Hong Kong Customs…) without a prudential licence.
- Register licences
- 2 entries on 2 registers
- Activities
- Money remittance
- Currency exchange
- Prepaid access
- Other money services
- Money orders
- Licensed in
- United States
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
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 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 Europe, S.A., American Express Payment Services Limited, American Express Services Europe Limited, 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
- Registered address
- 200 VESEY STREET NEW YORK 10285 UNITED STATES OF AMERICA
- Operational address
- 200 VESEY STREET NEW YORK,NY NEW YORK,NY 10285 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>AETCUS3AXXX</BICFI>
<LEI>SV60HQBVB2DXO09D8H53</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>AETCUS3AXXX</BICFI>
<LEI>SV60HQBVB2DXO09D8H53</LEI>
<Nm>AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.</Nm>
<PstlAdr>
<TwnNm>NEW YORK</TwnNm>
<Ctry>US</Ctry>
<AdrLine>200 VESEY STREET NEW YORK 10285</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
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 →Credits for this page
- MSB Registrant Search—Financial Crimes Enforcement Network (FinCEN) · register ↗ as at 24 September 2026
- Money Services Business Registry—Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) · register ↗ 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.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: americanexpress.com (official website) · original.
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