General Questions
Why should I take Travelers Cheques when I travel Overseas?
American Express Travelers Cheques are recognized around the world. They are safer than cash, and if lost or stolen can be replaced worldwide, usually within 24 hours. Travelers Cheques also enable you to budget, track and control your travel expenses easily.
What types of Travelers Cheques are available?
American Express Travelers Cheques are available in a wide range of foreign currencies and Cheques for Two are available in U.S. dollars. American Express Travel Service offices also offer a variety of foreign currencies to help with your travel needs.
Purchasing Travelers Cheques
Where do I purchase Travelers Cheques?
You can buy Travelers Cheques at participating banks, credit unions, selected Australia Post outlets, American Express Foreign Exchange offices, and American Express Travel Service locations. Visit our Travel Service Locator to find your nearest American Express office.
Is there a fee to purchase Travelers Cheques?
Fees vary from establishment to establishment. Some establishments charge a nominal fee, while others offer Travelers Cheques fee free as a service to their customers.
Where can I use my American Express Card to purchase Travelers Cheques?
At this time, it is not possible to purchase Travelers Cheques with your American Express Card.
Do Travelers Cheques expire?
Travelers Cheques never expire. Unused Cheques can be saved for future trips.
Can I accept Travelers Cheques from another person?
Yes, you can accept Cheques from another individual. You must watch the person countersign the Cheque in the lower left-hand corner and compare it with the original signature. If the Travelers Cheque has already been signed in both the upper and lower corners, or if you have any questions about the validity of a Cheque, call an American Express Travelers Cheque Customer Service Centre. After accepting a Travelers Cheque from another individual, you may only deposit it into your own bank account. Cashing Travelers Cheques.
How do I cash Travelers Cheques?
Simply present the Cheque to the bank or merchant where you wish to cash it. Make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner. You can also exchange your Travelers Cheques for local currency free of change at over 65,000 locations around the world. Visit our Fee-Free Exchange Partners locator for a list of locations
Where can I use Travelers Cheques?
American Express Travelers Cheques are recognized around the world and can be used like cash in many locations, or exchanged for local currency at banks, foreign exchange bureaux, hotels and American Express Travel Service locations.
Where do I sign Travelers Cheques?
When first purchased, Travelers Cheques must be signed in the upper left-hand corner in order to be reimbursable if lost or stolen. When the Cheques are cashed, make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner.
What happens if I sign the Cheque in the wrong place, or my signatures don't match?
Acceptance of Travelers Cheques and Cheques for Two is based on the acceptor watching the customer sign the Cheque in the lower left corner, and then comparing that signature with the original signature in the upper left corner (the lower left signature on a Cheques for Two must match one of the two signatures in the upper left). The acceptor must observe the customer signing the Cheque. If the signatures are a reasonable match, the Cheque should be accepted. As always, if the acceptor is unsure, they should call an American Express Travelers Cheque Customer Service Centre.
When do I fill out the date on my Travelers Cheque?
The date, in the upper right-hand corner, should be filled out upon use, just like a personal cheque.
Is there a fee to cash Travelers Cheques?
Normally, there is no fee to cash Travelers Cheques at merchants. Some establishments, primarily outside of the U.S., may charge a small fee. There are currently over 62,000 locations around the world that accept American Express Travelers Cheques fee free. You can also exchange your Travelers Cheques for local currency free of charge at over 65,000 locations around the world. Visit our Fee-Free Exchange Partners locator for a list of locations.
If I don't use the full face value of the Travelers Cheque, will I get change back?
Yes, you will get change back, just like cash.Replacing Travelers Cheques
What happens if I lose my Travelers Cheques?
If your Travelers Cheques are lost or stolen, contact an American Express Travelers Cheques Customer Service Centre immediately. They will provide you with step-by-step instructions for reimbursement.
To ensure your reimbursement, remember to keep a record of all the Travelers Cheques serial numbers in a safe location separate from your Cheques.
Where can I get my Cheques reimbursed?
If your Cheques are lost or stolen, you must contact an American Express Travelers Cheques Customer Service Centre immediately. They will provide you with step-by-step instructions for replacing your Cheques at your nearest Travel Service Location.
Cheque Serial Numbers?
When you purchase Travelers Cheques, it is very important that you record the serial numbers of each Cheque. If you need to report lost or stolen Travelers Cheques, you will be asked to provide the serial number of the Cheque in question. Keep your list of serial numbers in a safe place, separate from your Cheques.
How do I get refunded for the lost Travelers Cheques?
If your Travelers Cheques are lost or stolen, the issuer will refund their face value provided.
Before Loss:
You have signed each cheque at the place marked "Signature of the Holder" in non-erasable ink immediately upon receipt, but have not countersigned any of them.
You have safeguarded each cheque against loss or theft as you would a similar amount of your own cash.
You have not parted with the cheques voluntarily or as collateral security.
After Loss:
You notify the issuer within 24 hours of the loss or theft of your cheques, and the local police reporting the circumstances of the loss or theft in such details as may be reasonably required and obtain a FIR.
You supply the Purchaser's receipt copy of the sales advice (PAF), as well as acceptable proof of your identity, when making your refund claim.
You complete the appropriate refund claim documents to reasonable satisfaction and sign them in good faith.
What should be done with a deceased person's unused Travelers Cheques?
The estate beneficiary or executor should take the Travelers Cheques, the death certificate, and any other estate papers esignating the beneficiary to their, or the estates, bank, etc and approach the issuer.
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