> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.americanexpress.ferndocs.com/open-banking/account-and-transaction-api/overview/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server.

# Account and Transaction API

> **Note**
>
> American Express publishes an overview for this product but no API
> specification, so there is no endpoint reference to show.

Last Updated: July 14, 2026
The Account and Transaction API enables access to Customer-authorized, account-specific data for certain American Express® proprietary Card products including Personal, Small Business and Corporate Cards.
Account Information Service Providers (AISP) authorized to access payment accounts under the Payment Service Directive 2 (PSD2) legislation are enabled to access payment account data from the following entities:

* American Express Services Europe Limited, in the UK.

* American Express Carte - France SA, in France.

## Why it's great

#### Data Quality and Integrity

Authentic data, directly from the source.

#### Simplicity

Quick and easy self-service integrations to improve time-to-market and foster innovation.

#### Interoperability

Designed to implement working group standards from OBIE (Open Banking UK), OpenID Connect, and OAuth 2.0 for ease of integration.

#### Safety and Security

Utilizes American Express Login and Authorization components for a secure and familiar authorization process that puts the control in the hands of the Customer.

## How it works

#### Process Step 1

Card Members request to have their American Express transaction information shared and displayed on an authorized Partner site or AppScan® and scans the Merchant's QR code with the Issuer's mobile application.

![](/_fern-img/5fd3b11d2934b74b2cbe95524e39f9daf815a3479b016a632c48afa24ff22e9f.webp)

#### Process Step 2

Card Members authenticate their access using their American Express credentials (three-legged OAuth) on either their browser or American Express Mobile Application and select which Card(s) to enroll.

![](/_fern-img/57af4bd78bf7a128cb682bff4d4b0be76188851b1afd3d9d8528aa9df4da98fe.webp)

#### Process Step 3

Card Members can then access their requested transaction information on the authorized Partner site or app for the duration of their enrollment.

![](/_fern-img/614ee34726811fa804c31384695565c505535b9fe391d6439f77b6c4b6d62a3b.webp)

## Technical Highlights

* RESTful APIs with JSON format for data exchange.
* APIs use two-way TLS for transport encryption.
* OpenID Connect and OAuth 2.0 Protocol for API access.
* APIs can be accessed through any channel (desktop, tablet, mobile, or web) and from any technology stack.

## What You Need To Go Live

* An Active Electronic Identification and Trust Services (eIDAS) or UK Open Banking Certificate (OBWAC) Production Certificate signed by an approved Provider.
* Allocate time for pre-Production testing.

## Metrics

* The Account and Transaction API delivers an excellent Open Banking service and maintains transparency about our performance.
  Our Q2 2026 metrics for France and the United Kingdom are:
  Availability: The uptime, measured based on the availability status of the following interfaces.
  Average Availability:
  Account and Transaction API = 99.92%
  MYCA Customer Interface = 99.98%
  MYCA Mobile = 99.96%
  Jurisdiction
  Statements on Customers' American Express
  Availability

France
Account and Transaction API:
Online account (Customer Interface):
Mobile account (Mobile Interface):

99.92%
99.98%
99.97%

U.K.
Account and Transaction API:
Online account (Customer Interface):
Mobile account (Mobile Interface):

99.92%
99.98%
99.94%

Performance: The speed of responses, measured based on the Average Response Time in milliseconds (ms).
Average Response Time:
Account and Transaction API = 539 ms
MYCA Customer Interface = 3650 ms
MYCA Mobile = 2119 ms
Jurisdiction
Statements on Customers' American Express
Performance:

France
Account and Transaction API:
Online account (Customer Interface):
Mobile account (Mobile Interface):

539 ms
3345 ms
2124 ms

U.K.
Account and Transaction API:
Online account (Customer Interface):
Mobile account (Mobile Interface):

539 ms
3015 ms
1682 ms

## More Detailed API Performance Data

* Download daily U.K. performance metrics for the API [here.](https://icm.aexp-static.com/Internet/EnterpriseAPIPortal/products/account-and-transaction-api-public/Q2_2026_REP20.pdf)

> The Account and Transaction API provides Customer-authorised, account-specific data for all American Express® proprietary Card products including Personal, Small Business and Corporate Cards for parties certified under the Payment Service Directive 2 (PSD2) legislation.