At American Express, we always work to improve online security and user experience. But as a Cardmember, your active involvement is important, too. Here are some simple and important steps you can take to help reduce online risk.

Create Strong and Unique Passwords

Your password must contain 8-16 characters; at least one uppercase alphabet, one lowercase alphabet, and one number are required.

When creating your password, avoid using easy-to-find information such as your date of birth or the last four digits of your ID number. Also, be sure to use different passwords across all your banking, email, and social media accounts, and consider updating all your passwords regularly. Any password that contains personal information, common words, or a lack of variation can be an easy target for attacks and pose a significant security risk.

Secure your Personal Information

Keep your sensitive personal information, such as credit card statements, ID Cards, and other documents, in a safe place (accessible only to you) both at home and at work. Shred these documents before discarding them.

Before disclosing any personal information, ensure you know why it is required and how it will be used. Do not give your personal information to people or companies that you do not know. Be careful of over-sharing personal information on social networks to avoid creating a trail that thieves can use.

PIN - Personal Identification Number

  • Never save your Card(s) and Personal Identification Number (PIN) details together.

  • Do not choose a PIN that is your phone number, Civil ID, CPR, Social Security, or Date of Birth.

  • Do not give out your PIN to anyone. If anyone asks you for your PIN, even if they claim they are from the bank or the police, s/he is most likely a fraudster.

Avoid giving out Personal Information over the Phone

Identity thieves often act as a representative of a recognized organization and contact you to "verify" your account information. In particular, you should look out for this if you are not the one who initiated the phone call.

If you are contacted by someone who claims to be from American Express, you can always verify their legitimacy by instead calling the number on the back of your Card. If it is a legitimate call, you will be routed to the appropriate department for assistance. 

Do not reply to any email, SMS, or any communication requesting your Card details.

Please do not hesitate to contact us to report such cases.

Bookmark the Favourite Websites

Make it a habit of bookmarking and using your "Favourites" to navigate to the websites you use to manage your financial transactions. This can help you to safeguard against phishing scams.

Monitor and Review your Card Usage Regularly

Make sure to review your Card usage regularly for any inaccurate information or transactions that you did not authorize.

Opt-in for E-Statements

Switch to E-Statements, which are accessible securely through your password-protected American Express Online Services account and reduce the risk of lost mail and fraud.

Valuable Tips on How to Protect Yourself

You can significantly lessen the chances of being a victim of Card fraud crimes by following some simple & helpful tips:

Your Card(s):

  • Sign your new American Express Card(s) as soon as they arrive and destroy your expired Card(s).

  • Notify American Express Middle East in advance, about a change in your address.

  • Store your Card(s) in a secure place where you will immediately know if it is missing.

  • Carry your Card(s) separately from your wallet, in a zippered compartment, a business Cardholder, or another small pouch.

  • Keep a record of your Card(s) Account Numbers, their expiration dates, and our Customer Services telephone number in a secure place separate from your Card (s).

  • When you are expecting a New or Replacement Card(s), keep a sharp eye on the mail.

  • Report a lost or stolen Card(s) immediately.

  • Always keep your plastic Card(s) with you while travelling.

  • Don’t lend your Card(s) to anyone.

  • Don’t leave Card(s) or receipts lying around.

  • Don’t store full Card details e.g. Card Account Number, expiry date, CVV on any device, your details will be at risk if the device is lost, stolen or hacked.

  • Don’t give out your Card(s) Number over the phone unless you are making the call to a company you know is reputable to complete a purchase or a booking.

  • Don’t leave your Card(s) as a security deposit or as identification.

  • Don’t leave Card(s) unattended in a bag, briefcase, or jacket pocket in a public place, under your seat in a restaurant or a train. Instead, keep your bag or briefcase on your lap.

  • Keep a record of our Customer Services telephone number and reach to us as soon as you have any doubt.

Your PINs:

  • Never save your Card(s) and Personal Identification Number (PIN) details together.

  • Do not choose a PIN that is your phone number, Civil ID, CPR, Social Security, or date of birth.

  • Do not give out your PIN to anyone. If anyone asks you for your PIN, even if they claim they are from the bank or the police, s/he is most likely a fraudster.

  • Do not write your PIN on the card.

Your Card Account Statements & Receipts:

  • Download AEME mobile app for full visibility of your accounts and traceability of your transactions.

  • Save receipts to compare with your Card Account Statements. Open bills promptly and reconcile your Card Accounts monthly, just as you would check your Bank Account statements.

  • Report any questionable charges immediately by calling our 24-hour Customer Services number on the number available at the back of your Card.

  • Monitor your Card(s) Account activity online to stay up-to-date and check for irregular activity.

  • Always store Card Account Statements & receipts securely. Once not needed, destroy them using a shredding machine.

  • Do not sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.

Your Passwords:

  • Do not share your AEME online access credentials with anyone.

  • Keep your passwords secret.

  • Make them hard to guess.

  • Vary them and change them regularly.

  • Never write them down.

When Using an ATM

  • Be vigilant when using an ATM, especially at night.

  • Ensure you have your Card ready before you reach the ATM, and be wary of anyone who might be watching you enter your PIN. Do not allow yourself to be distracted by anyone.

  • Read the transaction carefully before accepting it on the ATM.

  • Ensure you collect your Card, money dispensed, and transaction receipt before you leave the ATM.

  • Check if the ATM is being physically tampered with by external fittings, loose wiring, or any strange devices. If this occurs, report it to American Express or the ATM's bank.

  • Do not accept assistance from a stranger standing next to the ATM, even if they are wearing a bank uniform.

  • Shield the screen and keyboard when making a transaction to avoid shoulder surfing.

  • If you have doubts about the machine when conducting a transaction, cancel the transaction immediately.

When Buying at the Store

  • Avoid handing your card away to the merchant to complete any purchase, you have to personally tap or insert your card.

  • Never leave receipts behind where someone could pick them up and gain access to your details.

  • Never let anyone put your Card Number on any document not associated with purchases on your Card Account.

  • Keep an eye on your Card every time you make a transaction, if it’s handed over ensure to get it back as quickly as possible.

  • Always ensure that the Card returned to you is yours. It is easy for sales staff to give you the wrong Card when they are in a hurry.

  • Ensure you void and destroy any incorrect receipts for declined or failed transactions immediately.

  • When charges on your Card are made manually, please take your copy of the charge slip and destroy any papers if used.