BTA Account Management

Information & Guides

What Is BTA?

The American Express Business Travel Account (BTA) is a centralised billing payment solution that provides a single view of all your air travel related charges, without requiring a physical Card. This enhanced visibility gives your Company maximum control over expenses, while also helping to save time and money.

Your Company's BTA is lodged with your chosen Travel Management Company (TMC), and American Express works in partnership with that TMC to arrange your centralised payments.

With the BTA in place, your Company is able to streamline their reconciliation process, as well as capture the travel and charge data required to easily identify, reconcile and allocate transactions, based on the criteria that is most relevant to your Company. With the BTA, your Company receives one convenient statement every month, rather than many invoices. This statement contains a great deal of valuable information to help your Company optimise your travel spend.

In addition, with the BTA, your Company can have complete control over who in your Company can use the BTA to charge their air travel expenses. They also have increased visibility for otherwise "invisible" travellers, who may include infrequent travellers and non-employees, such as consultants or clients.

How BTA Benefits Your Company

Monitoring and controlling expenses is a major priority for all companies. It is essential to maximise the control and savings available through a robust expense management programme. This section reminds you of the considerable value available to your Company through the use of the American Express Business Travel Account (BTA) programme as the payment method for air related travel expenses.

Maximise Control
The BTA enables easy and effective monitoring of your Company's employee travel expenses, using rich data and your own specially defined reference fields (e.g. Cost Centre Number). Furthermore, as the product is only used with your designated Travel Management Company, it ensures preferred supplier usage and travel policy compliance.

Save Money
The BTA improves your Company's cash flow by up to 55-calendar days1, with interest free extended credit terms. When used in conjunction with the data you receive from your Travel Management Company, the BTA can allow for more effective negotiations with vendors.

Save Time
The BTA cuts down the time you need to spend in administrative tasks, as American Express provides one consolidated statement, with detailed transaction data. This removes the need to process multiple invoices from travel agents. And there is only one payment to make, rather than multiple!

American Express has a range of reconciliation options such as BTAConnect and electronic data files, to streamline your processes thus, saving you even more time. Further, the BTA requires no administrative work relating to employee reimbursements and cash advances for air travel.

1. Actual interest free period will vary based on the date of charge and the billing cycle cut-off date.

How BTA Benefits Your Travellers

As the BTA enables a more simplified expense reimbursement process, this allows your employees more time to focus on their core responsibilities. Your travellers will have no liability to American Express for charges, no Card to keep track of, and no outlay of personal funds for business travel.

Business Travel Accident Insurance2
Complimentary Business Travel Accident Insurance provides accidental death and dismemberment insurance automatically, at no extra charge, when common carrier tickets are charged to the BTA. This provides your employees with peace of mind knowing that they are covered in the case of an accident for business trips from their departure, throughout their trip (up to 30 days), and until they return. Additionally, they receive limited coverage for personal trips charged to the BTA undertaken while on a wider business trip.

Please click here for the full American Express Business Travel Accident Insurance Terms and Conditions.

Global Assist
For legal and medical emergencies while travelling, your employees can call the free Global Assist service that will connect them with an English-speaking lawyer or doctor. The service is available 24 hours a day, virtually anywhere in the world, whenever they travel more than 200km from home, for up to 90 days.

To contact Global Assist, please call 65 6334 0729

2. Please refer to your Travel Protector Plan for details. Insurance is underwritten by Chubb Insurance Singapore Limited and is subject to the terms and conditions or cover. Exclusions and limitations apply.

How Does Your BTA Work?

How BTA works

We Set-Up Your Account
We work with your Travel Management Company (TMC) to set up your account and capture the data you need.

Your Travellers Book Their Trips & Advise Their Defined Reference Fields
Air and related transaction fees, plus defined reference fields such as cost centre code etc. which your TMC bills to your BTA.

You Receive A Statement Or Data File From American Express
Statement or electronic data file, which you can use for reporting or uploading data to your internal system.

You Reconcile Your Transactions & Pay American Express
Streamline the reconciliation with our tools such as BTAConnect of electronic data file. Pay American Express and then send payment details, list of approved transactions, including disputed transactions, if any.

Reconciling & Paying Your BTA

American Express has designed a range of options to make reconciling your BTA easy and effective. Below is a guide to help your Company decide the best option most suited to your needs.

Simple Steps to Reconcile & Pay Your BTA
To help you save time in managing your BTA, here's a quick guide outlining the simple steps to reconcile and pay your BTA.


1) Check the transactions for any errors

  • Refer to the New Debits, Overdue Transactions and New Unallocated Payments and Credits sections of the statement or the transaction category on the excel statement.

  • Check that your previous payment has been received. The payment has been processed and allocated if it is shown in the Cleared Transactions section. The payment has not been allocated if it is showing as a New Unallocated Payments & Credits. If this is the case contact the BTA Client Servicing Team

  • Check for any overdue transactions, as late payment fees may apply. If you believe you have already paid for these transactions and can see the payment has been received, it means that the payment is not yet allocated. In this situation, you should contact the BTA Client Servicing Team

2) Complete Reconciliation Advice page

Click here for detailed instructions on how to create and send a reconciliation advice, a remittance advice, and how to make a payment to American Express.

Note: If you are not paying the full account balance, you must complete and submit a Reconciliation Advice detailing the transactions you are paying. This will ensure American Express can correctly allocate the payment and make it easier for you to reconcile statements every month.

In order for American Express to investigate any disputes correctly and for you to receive the temporary credits, we require you to provide listing of the disputed transactions and their dispute reasons. Please click here to refer to the dispute guide.


1) Check your transactions for any errors

  • Select the BTA and statement period you want to view, and click the 'View selected statement(s)' button

  • Check your transactions and reconcile against your Company's defined processes, for example validating against a trip approval or checking against an invoice - focus on the transactions marked 'Unpaid'

  • Check for any unpaid transactions in the previous statement period, as late payment fees may apply

2) Submit approved transactions for payment to American Express

  • Select the transactions you wish to approve for payment

  • Click Pay Selected Transactions

  • Confirm the total number of transactions and their value, which have been approved for payment

  • All transactions selected can be exported, which could then be emailed to another department or uploaded to a financial system to facilitate the payment.

  • Click Send Payment Information. BTAConnect sends American Express the transactions approved for payment, and the Transaction Status will update from Unpaid to Approved. If you make payment via Electronic Funds Transfer, email the date of payment, BTA number(s) and total amount of the payment to and BTA.Singapore. If you make payment via cheque, click here for payment instructions. Once your payment has been processed, the Transaction Status will change to Paid.

  • If there are any transactions you have a question about, or wish to dispute, you can raise an enquiry to American Express and/or the Travel Management Company.

  • Select the transaction(s) you have a question about or wish to dispute and click the 'Enquire selected transaction(s)' button. Choose an enquiry category from the drop down menu and then enter your question. Click 'Create enquiry' to submit. Click here for the enquiry/dispute guide.

  • Track the status of enquiries by checking the Enquiry Status. A blue circle with a question mark icon indicates the enquiry is open, a green tick icon indicates the enquiry has been answered. Double click the icon to view the status or answer and take appropriate action.

Note: If a transaction is not being paid for any reason, an enquiry must be raised to avoid the possibility of the transaction becoming overdue and incurring a late payment fee. If American Express does not receive payment for the approved transactions by the end of the billing period, the approved transactions will be re-set back to unpaid status in BTAConnect, and the BTA will become overdue. Late payment fees will apply 15 days after the end of your billing period if the account remains unpaid.

Electronic Data File (BTA e-Data):

1) Check your transactions for any errors

  • The eData file will contain transactions that have not yet been paid; either new transactions or unpaid overdue transactions.

  • Check for any overdue transactions, as late payment fees may apply. Transactions showing an amount of $0.00 in the 'UNPAID_AMT' column have not been paid. If these transactions are from a previous statement date (refer to 'STMT_DT' column) then they will be overdue. If you believe you have already paid for these transactions and can see the payment has been received, it may mean that the payment is not yet allocated. You should contact the BTA Client Servicing Team.

2) Complete Reconciliation Advice, Remittance Advice and make payment to American Express

  • Click here and then select Online Statement for detailed instructions on how to create and send a reconciliation advice, a remittance advice, and how to make payment to American Express.

For more detailed information on BTA e-data files, please click here.

Online Statements

Online Statements are free and offer major business advantages over paper-based statements. In addition to enjoying greater accessibility to your BTA, Online Statement delivers the following benefits:

Flexible and User-Friendly

  • Receive statement data in a highly flexible Microsoft Excel format.

  • You can easily view, sort and manage transactions according to your own criteria, meaning simpler reconciliation.

  • Your billing statement will also be delivered in a convenient PDF format.

Save Time and Less Paperwork

  • Increase the efficiency and organisation of your office. With no need for paperwork or filing, you'll cut down on the clutter and find that productivity increases.

Take Control Wherever You Are

  • Get 24/7 secure online access of up to 13 months of your statements with our online Programme Management tool – American Express @ Work.

Better for the Environment

  • We'll also send you an email to let you know when your most recent statement is ready to view online.

To learn more about Online Statements, click here.


Upgrade Your View
Your Company can choose to upgrade your view with BTAConnect, to start enjoying a more streamlined reconciliation process. Available at no additional cost, BTAConnect is a new feature of the American Express Business Travel Account (BTA), designed to help you save time by making your reconciliation process easier at every step.

BTA Benefits Include:

  • Flexibility to customise how you view data, ensuring the solution is tailored to your Company's needs.

  • Additional online data fields (e.g. Cost Centre Number), to help your reconciliation matching process.

  • Quick and simple exporting of data, making it easier for you to send information to other departments.

  • One network used by you, American Express Customer Service, and your Travel Management Company, meaning transaction enquiries can be managed securely online.

Watch BTAConnect Demo

Flexible Data
BTAConnect can also help you to save time by simplifying the Business Travel Account (BTA) reconciliation process. Having the data you need, in a format you need it, is the key to faster and easier reconciliation. With this in mind, American Express designed BTAConnect to enable a more streamlined and flexible BTA reconciliation process.

Upgrade to BTAConnect at no cost and enjoy greater visibility of your data, including the:

  • Ability to control the information you see by selecting and deselecting fields. These user preferences are automatically saved.

  • Flexibility to sort and filter data. For example, by Cost Centre Number or Project Code.

  • Convenience of a search function to quickly find the information you need.

  • Ability to easily select, submit and view your approved transactions for payment to American Express Customer Service, by simple clicks.

Secure Queries
American Express offers a significant benefit with BTAConnect, allowing you to enjoy a smoother reconciliation process by asking questions about transactions, and receiving replies directly within BTAConnect. Available at no cost, this unique online network can enable better communication by securely linking you with both American Express Customer Services and your Travel Management Company (TMC). Know who is answering your enquiry, and benefit from a streamlined process that allows all parties involved to view questions and responses.

Save time with BTAConnect's enhanced query feature:

  • Ask a question about a transaction directly through BTAConnect. No need to wonder if it should be answered by American Express or by your TMC, the system does this for you

  • Receive replies from either American Express Customer Services or your TMC within BTAConnect, enabling easier tracking of queries raised and resolved

  • Complete visibility of enquiries and responses for all parties, meaning no need to explain a situation a second time

BTAConnect also gives you flexibility to customise how you view data. Click here to learn more.

Case Study
American Express understands that every Company has their own travel spend reconciliation process, so to illustrate how BTAConnect can help make reconciliation more simple, please see below a fictional example with a company called "Anon Ltd." Anon Ltd has a turnover of $375m and 1200 employees, of whom 30% are frequent travellers across Europe. While the company in this case study is fictional, the benefits that can be gained from BTAConnect are entirely correct.

John, an Accounts Administrator at Anon Ltd used to wait for his Business Travel Account (BTA) statement before he could start his reconciliation process. One of his frustrations when reconciling the account was that he did not know if he should send transaction queries to American Express or his Travel Management Company (TMC). Sometimes he had to ask the same question separately to both parties. He also found it difficult to manipulate travel data to send to other departments for approval. However, since upgrading to BTAConnect at no additional cost, John has noticed his reconciliation process is much more efficient, in the following ways:

  • John now receives transaction data 2 to 3 days before he receives the BTA statement, so he can get a head start on his reconciliation process.

  • Asking questions is now simple, as John can submit queries in the BTAConnect online portal, and track the status regardless of whether they should be answered by American Express Customer Services or his TMC.

  • He finds BTAConnect's sort, filter and search functions helpful when manipulating travel spend data. Being able to export into other programmes also saves him time when sending data to his colleagues.

  • Sending American Express Customer Service reconciliation advice is also simple and effective, all he needs to do is to select the transactions and click the submit button.

  • John has recommended BTAConnect to his peers, and what surprised him most was that upgrading to BTAConnect didn't cost his company anything.

Programme Management

How to Raise a Dispute on a BTA Charge
BTA statements are payable in full, upon receipt of the statement. For any transactions you are not paying, you are required to notify American Express and specify the dispute reason to avoid being charged a late payment fee.

If you wish to raise a dispute on a transaction appearing on your BTA statement, the disputed transaction should be clearly identified with a valid dispute reason on the Reconciliation Advice or by calling the BTA Client Servicing Team prior to the next billing cycle. Please click here for a list of valid dispute reasons and support required. You must ensure you supply all necessary details and references to support your claim.

Once you advise a transaction is in dispute and if the dispute reason is valid, American Express will remove the transaction from the statement. However, if the investigation confirms that the transaction is valid, it will be re-billed to your account. All other non-disputed transactions must be paid on receipt of the BTA statement.

Payment Options
Please note that payments are due on receipt of statements. There are a number of methods for paying an American Express BTA statement:

Your nominated bank account will be debited 14 days after your statement cut-off date. To enable this payment option, please click here to access the Interbank Giro Form.

All cheques must be accompanied by a reconciliation advice and be sent to:
American Express International Inc.
Crawford P.O.Box 883
Singapore 911913

Please include BTA number(s) with the cheque (e.g. attach a list or write on the reverse side of the cheque) to ensure your account is properly credited. Please allow 7 days for receipt and allocation of cheque payments by mail.

Electronic Funds Transfer (EFT)
Pay into the American Express bank account.

Bank Name:          United Overseas Bank
Address:                80 Raffles Place, UOB Plaza, Singapore 048624
Account Number: 101 347 006 0
Branch Number:   001 (main)
Bank Number:      7375

Please email and on the same day the payment is transferred into the American Express bank account, advising the date of payment, BTA number(s) and the amount of payment.

Reconciliation Advice
Reconciliation Advice must accompany all cheque and EFT payments if you are not paying the full account balance*. The Reconciliation Advice details all the transactions you wish to pay, and those you may wish to dispute.

If you are using a Reconciliation Advice from the paper or PDF statement, email it to and on the same day the cheque is mailed or payment is transferred into the American Express bank account.

If you want to prepare your own Reconciliation Advice, please click here for instructions on how to create and send an electronic Reconciliation Advice file.

*American Express requires this so they can accurately allocate payment to the transactions. However, there is no need for this if you pay the full statement account balance. That is, if you are not disputing or withholding payment of any particular transactions in that statement.

Missing or Misallocated Payments
If there is no Reconciliation Advice accompanying a payment, or if the Reconciliation Advice is incorrect, the payment(s) will remain unallocated. This means that the BTA may become overdue and late payment fees may apply.

Late Payment Fees
Late payment fees are easily avoided, simply by making sure the full account balance is paid upon receipt of the statement. If the account is not being paid in full, then a Reconciliation Advice must be sent to American Express, along with the matching payment, clearly indicating which transactions are being paid and which are being disputed.

If the full balance is not paid by the receipt of the next account statement, American Express may charge your Company late payment fees on the overdue balance, monthly in arrears. Payment must be made at least 3 working days before the next statement cycle ends to ensure allocation of payment.

If a BTA account is 45 days overdue for payment, late payment fees will apply, the Programme Administrator may be contacted via letter or telephone, and the account may be suspended. This will only happen after the Programme Administrator has been advised that this will occur.

Giro Form
Change of Company Details Form


How Do I Add or Change My Company Contacts?
If your Company wishes to add or change any of your contacts, including Authorised Signatory and Programme Administrator, please click here to fill in a Change of Company Details form. 

Then have it signed by an Authorised Signatory and fax it to the BTA Client Servicing Team. These changes should take up to 10 working days to finalise, from receipt of the Change of Company Details Form.

How Do I Change the @ Work Online User Details?
The Programme Administrator or authorised person from your Company can contact the BTA Client Servicing Team.

Who Can Help Me With a Question Regarding a Transaction in The Statement?
You can contact the BTA Client Servicing Team.

How Do I Cancel a BTA?
A BTA can be cancelled by faxing a letter on Company letterhead requesting the cancellation to the BTA Client Servicing Team. The letter needs to be signed by the Authorised Signatory of your Company.