What is AmEx Send and Split and how does it Work? Advertiser disclosure You’re our first priority. Everytime. We believe that everyone should be able to make financial decisions without hesitation. Although our site doesn’t feature every company or financial product that is available in the marketplace, we’re proud that the guidance we offer as well as the advice we provide and the tools we create are objective, independent, straightforward — and free. So how do we earn money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on our website) However, it in no way affects our suggestions or recommendations that are based on many hours of research. Our partners are not able to be paid to ensure positive ratings of their goods or services. . What is AmEx’s Send and Split and how does it function? This feature lets you transfer people money with no charges for transactions, or divide the bill inside the AmEx mobile app. This article was written by Melissa Lambarena Lead Writer | Credit cards debt Melissa Lambarena is a lead writer for the credit cards team at NerdWallet. She has been enthusiastically covering credit card-related topics for over six years. Her prior experiences include nine years of experience as a content creator for several publications and websites. In her writing, she hopes to assist readers in extracting benefits from credit cards in order to help them achieve financial goals such as expanding their budgets, building credit, traveling to their dream destinations and repaying debt. She writes about these topics and others in and The Millennial Money column featured in The Associated Press. Her work has also been published in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa holds a bachelor’s degree in sociology from the University of California, Los Angeles. Oct 13 2022 Edited By Kenley Young as the editor assigned to NerdWallet. Credit score, credit cards Kenley Young is the director of daily credit card coverage for NerdWallet. Before that, he was a web editor and producer of digital content for Fox Sports, and before being a front-page editor at Yahoo. He has decades of experience in digital and print media, with periods as an editor at the copy desk, a wire editor and a metro editor at The McClatchy newspapers chain. Email:

. Many or all of the products we feature are made by our partners who pay us. This impacts the types of products we feature and where and how the product is featured on a page. However, it does not influence our evaluations. Our views are our own. Here’s a list and . This Pay & Split feature in the American Express mobile app lets users with a valid card send money to, or split purchases with, any Venmo or PayPal user at no extra cost. So if you’re not carrying cash right now, or you’re in a pinch it’s possible to use your credit card, eliminating awkward conversations while splitting the cost of a purchase and allowing you pay off the charge in a time that is more convenient. In addition, you’ll reduce transaction costs while doing it. This option is available only exclusively to U.S. consumer credit cardholders. This is how it operates. >> MORE: Send & Split The basics The title of the service suggests, there are two possibilities that can be used — splitting and sending. To do either you’ll need to sign up by signing into the AmEx app, going to the account tab and selecting the “Send and Split” option. Once you’ve enrolled, you’ll need to link to your Venmo as well as PayPal account to transfer or receive funds. More Information on how to send money using the ‘AmEx’ app. You can send money from via the AmEx app, Venmo app or PayPal app. With any option it is routed via the “AmEx Send” account that will be created automatically once you sign up for Send and Split. Sending money from the AmEx application This feature allows you to make use of your AmEx card to transfer money to any PayPal or Venmo client without having to pay the usual that would apply to credit card transactions. (Normally when you try to use a credit card such as PayPal or Venmo, you’d incur a fee of about 3 percent.) You can transfer funds to the AmEx Send account in a flash using the help of your AmEx credit card, and then send the money to any Venmo and PayPal user. The money you add will appear as a charge on your credit card statement and is treated like the purchase. But, you won’t receive any rewards from the transaction. Conditions apply. AmEx limit the amount you can deposit into the AmEx Send account. That amount is identified in the app as “Available to Add.” AmEx says it is determined by your card’s “rolling 30 day limit on transactions per person set in your card’s membership agreement,” and is contingent upon AmEx approval. A handy tip: Most consumers who are eligible for a consumer card can increase their spending up to $2,000 on your AmEx Send account. The Platinum Card(r) from American Express can add up to $4,000, while the Centurion card could increase the amount to $5,000. The terms and conditions apply. You can only send someone up to $10,000 per transaction from the AmEx send account. The transactions, too, are limited to a roll-over 30 day transaction limit. The terms and conditions apply. PayPal and Venmo can also restrict your ability to send. Making money transfers through Venmo or PayPal is not recommended. Venmo or PayPal app to send money using Venmo or PayPal you must add funds into the AmEx Send account to Venmo or PayPal and then send money as you normally would within these apps. To complete the transaction change the method of payment into the AmEx Send account. The amount you’re sending will have to exceed the value of the Venmo balance. Otherwise, your Venmo balance will be your preferred payment method. >> MORE: How to split purchases with ‘AmEx Split This option, you are able to make a purchase using your card — and earn all the rewards of the purchase and then split the cost among others Venmo and PayPal users. There is no cost involved in splitting your purchases. With the AmEx app, you choose a single purchase or multiple items to share with as many as 20 people. The cost can be divided equally or make a customized allocation. These people will receive an order for payment through Venmo or PayPal, as they usually will. If they do pay back, you can choose which option you prefer: be transferred onto your credit card account as credit to your statement or in a PayPal or Venmo account. Be aware, if you aren’t paid, you’re still accountable for the charges on your card. The original transaction could be subject to fees or interest. Conditions apply. If you have a large expense isn’t paid fully, amount of interest can eat away at any reward you earn by the transactions. If that was the incentive to pay the cost, it doesn’t serve the point. To keep your finances in check, you should only utilize this feature to share purchases with those you trust to repay you. Nerdy Tips AmEx Send and AmEx Split are compatible with all Venmo or PayPal users; they are not required to be American Express cardholders. >> MORE: About the writer: Melissa Lambarena is a credit card journalist at NerdWallet. The work she writes for has been highlighted in The Associated Press, New York Times, Washington Post and USA Today. On a similar note… Choose the right credit card that is suitable for you. Whether you want to pay less interest or earn reward points, the right card is out there. Simply answer a few concerns and we’ll refine your results for the right card for. Explore even more in credit Cards Find out more money-savvy moves direct to your inbox. Join us and we’ll send you Nerdy content on the financial topics which matter to you the most and other strategies to help you get more from your money. Take all the appropriate money moves

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