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What Is Express Cash?

Express Cash is a service offered by American Express where cardholders can withdraw cash using their American Express card at select ATM locations around the world. Express Cash allows for convenient and easy access to cash when you need it, without the need for a separate ATM card or PIN number.

How Does Express Cash Work?

To use Express Cash, you must first have an American Express card that is enrolled in the service. Once you are enrolled, you can use your American Express card to withdraw cash from select ATMs around the world. To do this, simply insert your American Express card into the ATM and follow the prompts on the screen. You will be asked to enter your card's security code, which is located on the back of your card, and the amount of cash you wish to withdraw. The money will then be dispensed directly from the ATM and charged to your American Express card account.

Where Can I Use Express Cash?

Express Cash is accepted at a network of over 2 million ATMs worldwide. In order to use the service, you must be withdrawing cash from an ATM that accepts American Express cards. You can find these ATMs by using the ATM locator tool on the American Express website or mobile app.

Is There a Fee for Using Express Cash?

Yes, there is a fee associated with using Express Cash. This fee varies depending on the type of American Express card you have and the country where you are using the service. The fee is typically a percentage of the cash withdrawal amount and is added to your American Express card balance. Make sure to check the terms and conditions of your American Express card for more information on the fees associated with Express Cash.

Is Express Cash Safe?

Yes, Express Cash is a safe and secure way to withdraw cash. American Express uses advanced security measures to protect your information and prevent fraudulent activity. However, it is important to be mindful of your surroundings when using an ATM and to take precautions to protect your card and personal information. Make sure to cover the keypad when entering your PIN or security code and always keep your card in a secure place when not in use.


Express Cash is a convenient service offered by American Express that allows cardholders to withdraw cash from select ATMs around the world using their American Express card. With over 2 million ATMs in the network, you can easily access cash when you need it. While there is a fee associated with using the service, it provides a safe and secure way to get cash without the need for a separate ATM card or PIN number.

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Representative Example
APR, Total Loan Costs & All Applicable Fees

Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

The website is not an offer to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.

The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $100 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product.

Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.

This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.

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