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But if you're making 1 to 2 payments under $1,000 or receiving a small amount of money from an international buyer as a once-off, going through your bank for convenience makes it useful. Even if it's still more expensive. To enroll in this service, your business will be required to complete an application, which is subject to review and approval by American Express. 1.

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When should I use a bank for my international FX payment? There is no magic number at which point banks become useful. But if you're making 1 to 2 payments under $1,000 or receiving a small amount of money from an international buyer as a once-off, going through your bank for convenience makes it useful.

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