How do I send money using American Express?

That's an interesting question, and honestly, it's a common misconception. American Express, while a major financial institution known for credit cards, charge cards, and travel services, doesn't actually offer a direct money transfer or remittance service in the same way that a bank wire or a dedicated money transfer service like Wise or Remitly does.

So, if you're looking to send money to someone, you generally won't be doing it "through" American Express directly. You might, however, use an American Express credit or charge card as the funding source for a transfer through a *third-party money transfer service*. For example, some services like PayPal/Xoom, WorldRemit, or even Western Union might allow you to pay for a transfer using your American Express card. Be aware, though, that using a credit card for such a transaction often gets coded as a cash advance by your card issuer, which can come with higher fees and interest rates that start accruing immediately, so that's definitely something to watch out for.

If you're thinking about sending money using an American Express *bank account* (for those who have one, as they do offer banking services), then you'd be looking at standard bank transfer options, like initiating a wire transfer or an ACH transfer if it's domestic, through their online banking portal. But the core service of sending money isn't an American Express branded "send money" product itself.

The best approach really depends on where you're sending the money, how quickly it needs to arrive, and how the recipient wants to receive it. If it's a domestic transfer within the US, an ACH transfer is usually the cheapest option, though it might take a couple of business days. For faster domestic transfers, a wire transfer is instant but costs more. For international transfers, you'd typically look at dedicated money transfer services, which often offer better exchange rates and lower fees than traditional banks, and they have various payout options like bank deposit, cash pickup, or mobile money.