AmEx Additional Card Documents

SydOzber on 11/04/2025 - 10:20
Last edited 11/04/2025 - 10:35

Hi there

I’ve received the below email from Amex, for one out of the two account I have. Like many people here, I have used my other short names to secure additional cards to benefit from Amex offers. (I have 1 main + 6 supplementary cards)

Has anyone else received it and what does this mean ?

—————-

We are requesting documentation from you

In accordance with the regulatory requirements set out by the Anti-Money Laundering and Counter-Terrorism Financing Act (2006) and Anti-Money Laundering and Counter-Terrorism Financing Rules (2007) (AML/CTF Act and Rules), American Express is required to periodically review, collect and update the information of its customers.

What you should know
To meet this requirement, we may contact you from time to time to collect information to ensure the details we hold are up to date. Any information provided by you (e.g., updated residential address), will be updated in our system, unless you notify us otherwise.

What we need from you
Please provide the following documents within 30 days of the date of this communication.

https://amex.michaelbell.co.uk/GCS/36036/email-01/images/spa…

Certified legible copies of:

Proof of Identity:

Current Passport for you and your Additional Card Member(s) ending with xxx
OR
Current Driver’s Licence for you [and your Additional Card Member(s) ending with xxx

Proof of Address:

A recent utility bill or council rate bill issued in the last 3 months for you and your Additional Card Member(s) ending with xxx.
OR
A government notice issued in the last 12 months for you and your Additional Card Member(s) ending with xxx

Note: Proof of Address is not needed if your Current Driver’s Licence details your current residential address.

https://amex.michaelbell.co.uk/GCS/36036/email-01/images/spa…

A document confirming your primary source of income:

https://amex.michaelbell.co.uk/GCS/36036/email-01/images/spa…

•

Your most recent payslip with year-to-date data, or

•

Your two most recent consecutive payslips, or

•

A recent Notice of Assessment or letter from an accountant confirming your annual income and details of occupation

https://amex.michaelbell.co.uk/GCS/36036/email-01/images/spa…

A bank statement issued in the last 3 months showing payments made to your American Express® Card Account.

Financial American Express

Comments

sghetti on 11/04/2025 - 10:38

+1

It means exactly what's in the email. They must ensure that customer details are verified and accurate for KYC and AML/CTF regulations.

Provide the documents they asked for or risk your account being closed as they can't verify who you are…
- SydOzber on 11/04/2025 - 10:41
  
  Thanks
  Do I disclose to them that all additional cards in other names are actually me as I don’t have any ID on the additional names
  - Pigey on 11/04/2025 - 10:43
    
    +1
    
    I'd close all the additional names first before sending anything in.
    
    Your Amex is basically going to get cancelled otherwise.
    - SydOzber on 11/04/2025 - 10:49
      
      Thanks for the tip.
      Just wanting to know is it random as I haven’t done any high value transactions
    - surfingedge on 11/04/2025 - 10:53
      
      +1
      
      Good chance of getting it cancelled anyway
      
      Aus Amex is just catching up with US and UK Amex where people are getting banned for very mild "gaming", nowhere as bad as abusing supps to get 6x offers they are not "supposed" to.
      
      In UK someone was banned for splitting a £100 transaction across 6 cards (3 different products + wife's supps) to max out a spend £15 get £5 back offer
      - tenpercent on 11/04/2025 - 12:06
        
        +1
        
        @surfingedge: Banks and financial institutions are getting far too involved in people's affairs.
        
        For the UK example, why wouldn't they just tighten up the T&Cs for future cash back offers and retain the customer? Strange times.
        
        surfingedge on 11/04/2025 - 15:44
        
        +2
        
        @tenpercent: It seems like Amex UK doesn't want to retain customers who "abuse" things even if they are loyal long-term members who have continually paid their exorbitant annual fees.
        
        They would rather spend money on signup bonuses and marketing to get new, younger customers who will just churn after meeting the spend threshold. They happily throw huge number of points at people who threaten to cancel (and then take the points and cancel anyway).
    - Autonomic on 11/04/2025 - 16:42
      
      KYC are just looking to do their due diligence. I don't think they'd care enough to flag OP as "gaming" the system - presumably there's a whole other team looking at that. I'd fess up that they're your own cards to the KYC guys and then hopefully they just leave you alone.
      
      Citibank asked me for KYC information while I was (ab)using their Payall feature and I was honest that I was playing money to my own account. They didn't even care. I've had 2 more Citi cards since then as well. Citi=/Amex obviously so YMMV but I'd take that risk.
tenpercent on 11/04/2025 - 12:04

In accordance with the regulatory requirements set out by the Anti-Money Laundering and Counter-Terrorism Financing Act (2006) and Anti-Money Laundering and Counter-Terrorism Financing Rules (2007) (AML/CTF Act and Rules), American Express is required to periodically review, collect and update the information of its customers.

If that's so, are they suggesting they haven't been meeting the regulatory requirements up to now? Why wouldn't they have requested all these documents when you first got the card/s?

I had a similar experience with a bank recently and they couldn't answer those questions.
- sghetti on 11/04/2025 - 12:55
  
  Processes fail. Potentially old accounts before processes are put in place. And/or it also states they have to periodically review, while documents were provided initially, it could have been compromised documents and mule accounts created.
  - tenpercent on 11/04/2025 - 13:02
    
    In my case with the bank, the account was opened long after those laws were passed and my ID documents weren't compromised.
    
    Come to think of it my other bank also asked around 3 years ago for additional details around and documents using the same excuse. Except they only required another ID document (in addition to the drivers licence and medicare that I had initially provided). They didn't need all the source of income proof like the first bank. And it's my main bank account where my wages go.
    
    Interesting how different financial insitutions interpret the requirements diffently.
    - surfingedge on 11/04/2025 - 15:59
      
      +1
      
      I opened accounts with two new banks in 2023 - initially both just wanted my drivers licence number for ID, accounts opened right away.
      
      First bank - sent 6 figures in and out often to new payees, including money coming from overseas. Transfers always arrived same business day, never had a request for further proof or verification.
      
      Other bank - happily took a 5 figure deposit and said nothing for a year. I withdrew $100 here and there, but this year when I wanted to withdraw $1000 suddenly they hit me with KYC like the OP (as per my other post below) - they said they hadn't asked for enough ID when I opened the account, and the only acceptable method was to send a selfie video, then post JP-certified copies of several documents including bank statements showing where the deposits came from plus an hour phone call to explain every small withdrawal.
      
      If I had nothing better to do I would make a complaint and go to AFCA but that would waste my own time.
      - tenpercent on 11/04/2025 - 16:19
        
        @surfingedge: May I ask what industry or line of work you are in that involves sending 6 figures in and out often to new payees?
        
        Yeah it's a mostly self-regulated industry so I'm sure they won't slap themselves with a fine for not doing their due diligence and complying with the law initially (although that's questionable considering plenty of other banks don't seem to require half as much).
        
        Selfies and selfie videos is where I draw the line with these banks. I had to drop an account last year because of that. Password hacks are one thing but once your biometrics are hacked there's no undoing that (short of a plastic surgeon).
- surfingedge on 11/04/2025 - 13:09
  
  +2
  
  If they haven't been meeting the regulatory requirements up to now, then the remedy is to start meeting them.
  
  Also they used the word "periodically" which basically means they can KYC you whenever they want. The main reason they don't KYC everyone all the time is because that would be very costly as (at least for now) it needs a human to review things manually.
  
  I also had a similar experience with a bank and they said the above to me (not in those exact words obviously)
  
  If you haven't done anything suspicious I suppose you could raise a complaint that they should have asked for the documents earlier and maybe they will give you some compensation.
  
  I don't know whether what the OP did has actually broken their T&Cs - but if I knew Amex was issuing supp cards without any verification I would have got them in names of relatives. Then in this case I could genuinely say that the relatives have refused to provide me with their ID (assuming that I can't get them to cooperate).
Wiadro on 11/04/2025 - 17:10

yeah mine was closed last week,
they asked to KYC, my dog, my goldfish, my 2 "partners"

We want to let you know that your American Express Credit Card Account has been cancelled as we were not able to verify you and/or Additional Card Members. If you have not already done so, please destroy your Card(s) and dispose of them securely.

Your agreement with us will end once you have paid off all amounts you owe us. Until then, all the terms of our agreement will continue to apply, but you won’t be able to make new charges or access the benefits you enjoyed as a Card Member.

Please also contact any merchants you’ve authorised to charge your account and withdraw your authorisation. This includes authorisation of recurring charges or periodic payments for insurance premiums, phone or other utility bills, online subscriptions, charities, etc. We cannot end these arrangements or withdraw your authorisation on your behalf. You remain responsible for any such charges made to your account.

For any queries, please call us on 1300 132 639 and we’ll be happy to assist you
- SydOzber on 11/04/2025 - 17:23
  
  +1
  
  thats a shame this loophole is being closed.
  - JIMB0 on 11/04/2025 - 17:40
    
    +1
    
    Amex deals have been crap for years now. Rarely is there a decent offer and if there is it's usually only on the main card.
  - Wiadro on 11/04/2025 - 17:45
    
    i cashed out just over 100k points to Velocity about 2 weeks prior to them cancelling it
    - SydOzber on 11/04/2025 - 22:30
      
      Oh there’s a risk of losing rewards points if they decide to cancel yeah ?
      - Wiadro on 11/04/2025 - 23:59
        
        @SydOzber: Yeah mate, they send a few emails and make a few calls prior.
        Like 3 months worth.
        
        SydOzber on 12/04/2025 - 08:03
        
        @Wiadro: Email says send in 30 days but they give time up to 3 months before they cancel it? Is that correct ?
        
        Wiadro on 12/04/2025 - 23:51
        
        @SydOzber: They keep asking me for about 3 months till they sent the offical email.
        
        I haven’t had a balance on the card for over 6 months so it was easy pickings for them to cancel it
- Autonomic on 18/04/2025 - 06:28
  
  What did you tell them when they asked?
  - Wiadro on 18/04/2025 - 07:21
    
    Nothing I just ignored it
    - Autonomic on 18/04/2025 - 23:43
      
      +1
      
      If you fessed up there's a chance they wouldn't care. If you don't reply it's a guaranteed shut-down
      - Wiadro on 19/04/2025 - 08:12
        
        -1
        
        @Autonomic: I didn’t need the card anymore anyway so I didn’t really care

AmEx Additional Card Documents

Comments

New Forum Topics