American Express does not have a standalone app for its savings account
American Express Bank offers a high-yield savings account, but there is no separate mobile app for it. Instead, you manage the account through the main American Express mobile app if you are an existing Amex cardholder, or through the online portal at americanexpress.com if you are a savings-only customer.
The savings account itself is a deposit product—separate from credit cards—and American Express has chosen to integrate it into existing channels rather than build a dedicated app. This means your login credentials and access method depend on whether you already have an American Express credit card.
Key Takeaways
- American Express savings accounts are managed through the main Amex app (for cardholders) or the website, not through a separate savings app.
- If you have an Amex credit card, you can add the savings account to your existing app login and view both products in one place.
- If you only have a savings account with no Amex card, you log in at americanexpress.com with your savings account credentials.
- The mobile web version works on any smartphone browser and offers the same features as the app, though some users find the app faster for checking balances.
- You can set up alerts, transfer money, and view interest earned directly from whichever platform you use.
How to access the account if you have an American Express card
Download the American Express app from the Apple App Store or Google Play. Sign in with your existing Amex username and password. Once logged in, you should see your credit card account and any linked deposit products, including the savings account, on your dashboard.
If the savings account does not appear immediately, go to the menu or settings within the app and look for an option to add accounts or link products. You may need to enter your savings account number or answer security questions to link it. After linking, the savings account balance and transaction history will show alongside your card activity.
How to access the account if you only have a savings account
Go to americanexpress.com and select the login option for deposit products or savings accounts. You will need your account number and password. If you have not yet created an online login, you can set one up on the same page using your account number and Social Security number.
Once logged in, you will see your savings account balance, interest earned to date, and transaction history. You can also initiate transfers to an external bank account, set up automatic deposits, and manage account settings from this portal. There is no requirement to download an app; the website works on any mobile browser.
What you can do from the app or website
Both the app and the website let you check your current balance in real time. You can view your transaction history, see how much interest you have earned in the current month and year, and download statements as PDF files. Most users check their balance and recent activity multiple times per week through these channels.
You can also transfer money from the savings account to an external bank account that you have registered with American Express. This process typically takes one to two business days. Additionally, you can set up alerts to notify you when your balance drops below a certain amount or when interest is posted to the account.
Why American Express chose not to build a separate savings app
American Express is primarily a credit card company, and most of its customers hold both a card and a deposit account. Integrating the savings account into the main app keeps everything in one place rather than forcing users to switch between two separate applications. This approach also reduces the company's development and maintenance costs.
For customers who only have a savings account, the website remains fully functional on mobile browsers, so a dedicated app is less critical. American Express monitors usage patterns and could launch a standalone app in the future if demand warrants it, but as of now, the integrated approach is their strategy.
Mobile web versus the app: which is faster
The American Express app is generally faster for checking your balance and recent transactions because it loads data that is already cached on your phone. The mobile website requires a fresh connection each time, which can add a few seconds to load time depending on your internet speed.
However, the mobile website does not require storage space on your phone and does not need updates. If you rarely check your account or prefer not to download apps, the website is a perfectly workable option. Both routes offer the same core features; the choice comes down to convenience and personal preference.
Frequently Asked Questions
Can I open a savings account without having an American Express credit card?
Yes. American Express Bank accepts savings account applications from people who do not hold a credit card. You can open the account online at americanexpress.com and manage it through the website or mobile browser. You will not have access to the main Amex app unless you later open a credit card.
What happens if I close my American Express credit card but keep the savings account?
Your savings account remains active and separate from your card. You will no longer be able to view it in the main Amex app, but you can still access it through americanexpress.com using your savings account login. The account itself is unaffected by changes to your card status.
Is the app secure for checking my savings balance?
Yes. The American Express app uses the same encryption and security protocols as the website. Your login is protected, and the app does not store sensitive account details on your phone. You can check your balance safely from any location, though using a secure Wi-Fi network is always recommended over public networks.
Can I transfer money from my savings account to my American Express credit card?
No. The savings account and credit card are separate products with separate account numbers. You can transfer from savings to an external bank account, but not directly to your Amex card. If you want to pay your card balance, you would need to transfer the money to your external bank first, then pay the card from there.
Does the app show me my interest rate and how much interest I have earned?
Yes. The app and website both display your current interest rate and show you how much interest has been posted to your account. You can see year-to-date interest earned and check it monthly to track how the rate changes if American Express adjusts it.