What is Send & Split?
Send & Split is an American Express benefit that allows Card Members to send money to and split purchases with friends and family who have Venmo accounts. To use Send & Split, you must first enroll in the American Express® App, then link your Venmo account.
Once linked, you have access to two distinct features:
- An Amex Send® Account to send money to any other Venmo user without the standard Venmo credit card fee
- The ability to split your American Express Card purchases with any other Venmo users, and get paid back directly to your Card as a statement credit
Am I eligible for Send & Split?
Send & Split is available to American Express Card Members with a U.S. Basic Consumer Card in their American Express Online Account. Once enrolled, Card Members can also use additional American Express Consumer Cards with Send & Split. Prepaid Cards, American Express® Corporate Cards, American Express® Small Business Cards, and American Express-branded Cards or account numbers issued by other financial institutions are not eligible to be used with Send & Split.
How do I set up Send & Split?
Open the Venmo app and follow the steps below:
- Go to the Me tab
- From your Wallet, tap Add Bank or Card
- Choose Amex Send Account
You'll be prompted to sign into Amex and link your Venmo profile. Once connected, you can use your Amex Send Account as a Venmo payment method.
How do you send money using Amex Send & Split?
Pay your friends directly from the Venmo app simply by selecting the Amex Send Account as your payment method. Just be sure to add money from your Card to your Send Account in the Amex app first.
How do I add money to my Amex Send Account?
Follow the steps below to add money to your Amex Send Account.
- Open the Amex app
- Tap the Account tab
- Scroll down to Payment Tools
- Select Send & Split
- Tap Add Money, choose an amount
- Tap Add Money
The amount you can add is subject to American Express approval, and the charge to your Card is not eligible to earn rewards
Is there a limit to how much money I can add to my Amex Send Account?
Yes. The amount you can add from each American Express Card will appear below the Card as Available to Add when you go to add money to the Send Account from the Amex App. This amount is determined by American Express. More information can be found in your Card Member Agreement with American Express.
Are there limits to how much money I can send from my Amex Send Account?
Yes. American Express limits the amount you can send to $10,000 per transaction. Your Send transaction will also be subject to a rolling 30-day Send transaction limit (this is separate and distinct from your rolling 30-day Person-to-Person transaction limit for each American Express Card, which only applies when you add money to the Send Account). Venmo's transaction limits apply, and may limit the amount you can send. See the Personal Profile Payment Limits for details.
Is there a fee to add money to my Amex Send Account from my American Express Card?
No, there is no fee to add money to your Amex Send Account. When you add money to your Send Account, it will appear as a charge on your American Express Card billing statement. The charge is subject to the APR for purchases, just like any other purchases on your Card account based on the terms of your American Express Card Member agreement. This is not a cash advance. The charge to your Card does not earn any rewards.
Is there a fee to send money using the Amex Send Account?
American Express and Venmo do not charge a fee to send money using your Send Account.
Can I use the Amex Send Account to pay for goods and services?
No. The Amex Send Account should not be used to pay for goods and services, and making such payments is a violation of the Amex Send Account Terms and Conditions. You should only send money to friends and family that you know and trust.
What if I send money to the wrong person?
If you send money to a phone number or email address that is associated with a Venmo or PayPal account (the send transaction appears in the Complete section within the Send tab of the Amex App), the money is made available to the recipient right away. You will not be able to cancel this transaction. Please contact Venmo immediately to ask for assistance. As a reminder, you should only send to friends and family that you know and trust.
Can I transfer money from my Amex Send Account back to my American Express Card?
Yes. To transfer money from your Amex Send Account back to your Card follow the steps below:
- Go to Account in the Amex App
- Select Send & Split
- Within the Send tab, tap Manage Balance
- Tap Transfer to Card
- Enter the amount select the Card tap Done
A credit for the amount you transferred will post to your Card account within 24-36 hours.
How does the split purchase feature work?
Open the Amex App, choose any pending or posted charge that appears within your current or most recent billing cycle, and tap Split It. Select up to 20 contacts who you want to split the purchase with, and we’ll divide the total purchase amount evenly. You can then adjust the total split amount or customize any of the individual request amounts.
Choose to get paid back directly to your American Express Card account as a statement credit or to your linked Venmo account. The contacts you chose to split with will get a request notification via Venmo, just as they would for other Venmo requests.
If you choose to get paid back to your Card, you’ll receive an American Express notification when a request is accepted and the money will be applied as a statement credit to your Card account that will post within 24-36 hours. If you choose to get paid back to your Venmo account, Venmo will notify you when you receive the payment.
There is no fee to split a purchase. You are still responsible for the full purchase amount charged to your Card and will keep any rewards that you earn for the purchase that you split.