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Forums Payment cards American Express UK Amex for non / dual UK resident

  • polb 31 posts

    Hi,
    We have been living in The Netherlands for the last few years, we have a Dutch amex and both had U.K. amex before moving, although I kept my BA amex whilst living in the Netherlands and still have it (amex were informed and happily let me keep it with a Dutch address). For personal reasons we partially moved back to the U.K. last august. We bought a house in the U.K. and have U.K. back accounts. I live permanently in the U.K., but my husband still works in Amsterdam and travels home (to the U.K.) every 3-4 weeks, so not sure that he will spend enough time here to qualify as resident for tax purposes.
    I am a housewife so have no personal income and my husband works for a Dutch company and is paid in euros.
    Is it possible for either of us to apply for a U.K. Amex, and how likely is approval if all other factors are favourable (husband earns very good salary, both have excellent uk credit files , Dutch amex in very good standing).
    Cheers.

    NorthernLass 7,531 posts

    I don’t actually think being resident for tax purposes is relevant for Amex applications. It might be more of an issue that you haven’t been at your current address for very long, but I can’t see anything to stop your husband applying as a UK resident given that he has a permanent UK address.

    can2 456 posts

    My wife was in a similar situation and she got an amex, but it was a decade ago. You can try the amex eligibility checker and in the worst case, they can first offer you a low credit. As people keep saying in this forum, amex has its own database for this.

    QFFlyer 155 posts

    You put your UK address down, convert the EUR salary to GBP and put that down as your income, should be fine. Even more likely to be accepted if you’ve kept your existing UK cards.

    polb 31 posts

    Just to update for anyone in a similar situation. My husband applied and was accepted immediately.

    can2 456 posts

    Just to update for anyone in a similar situation. My husband applied and was accepted immediately.

    Mazel tov!

    deiveed 13 posts

    I am not sure they care as long as they could verify the identity via your previous UK credit records.

    If you want to be strict about it, the key is having a UK permanent residential address. You don’t need to be always living in the address but the home has to be available to you.

    Going by my understanding of other situations when this rule was enforced, an empty second home counts but if you rented it out then it doesn’t.

    Colin MacKinnon 283 posts

    Do you get a sign-up bonus if you already hold a US card and apply for a UK one?

    BuildBackBetter 705 posts

    Do you get a sign-up bonus if you already hold a US card and apply for a UK one?

    If it’s the first card and you are approved, you will get sign up bonus.

    Each country is a different market / jurisdiction.

    WorldFlyer 41 posts

    How easy is it to apply for a UK AMEX for someone with no UK credit history and income/employer abroad, where however their partner has an income in the UK?

    BuildBackBetter 705 posts

    How easy is it to apply for a UK AMEX for someone with no UK credit history and income/employer abroad, where however their partner has an income in the UK?

    If they are registered on electoral rolls, stayed at same address for a couple of years with a utility bill or two, they have a chance.

    If they have Amex in another country, they can do a global transfer. But May not get sign up bonus.

    moe8555 41 posts

    Not to hijack, but is it possible to easily obtain a UK Amex Platinum without having UK residency or citizenship via the Global Transfer program (or otherwise), in a manner similar to how a U.S. Amex can be had with little-to-no connection to the United States?

    hwqcgsw 28 posts

    Not to hijack, but is it possible to easily obtain a UK Amex Platinum without having UK residency or citizenship via the Global Transfer program (or otherwise), in a manner similar to how a U.S. Amex can be had with little-to-no connection to the United States?

    As long as you have a UK address, they will ask for a document that can prove it.

    moe8555 41 posts

    Not to hijack, but is it possible to easily obtain a UK Amex Platinum without having UK residency or citizenship via the Global Transfer program (or otherwise), in a manner similar to how a U.S. Amex can be had with little-to-no connection to the United States?

    As long as you have a UK address, they will ask for a document that can prove it.

    But no need for any kind of UK ID or paystub, etc.?

    hwqcgsw 28 posts

    Not to hijack, but is it possible to easily obtain a UK Amex Platinum without having UK residency or citizenship via the Global Transfer program (or otherwise), in a manner similar to how a U.S. Amex can be had with little-to-no connection to the United States?

    As long as you have a UK address, they will ask for a document that can prove it.

    But no need for any kind of UK ID or paystub, etc.?

    They will ask for ID, but a non-UK passport will be accepted.

    QFFlyer 155 posts

    How easy is it to apply for a UK AMEX for someone with no UK credit history and income/employer abroad, where however their partner has an income in the UK?

    If they are registered on electoral rolls, stayed at same address for a couple of years with a utility bill or two, they have a chance.

    If they have Amex in another country, they can do a global transfer. But May not get sign up bonus.

    They will get the SUB, if approved.

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