The Smarter Way to
move money, Globally
Spot, forwards and tailored hedging from a regulated team that prices like a desk and serves like a concierge. £2.1B+ moved across 35+ currencies.
Fast and cost-effective global transfers.
Tailored execution
Spot, forwards and limit orders priced like an institutional desk.
Concierge service
A named account manager, not a queue.
Risk strategy
Hedging built around your exposure, not a template.
Regulated, transparent
FCA-authorised payments, clear pricing, audit-grade reporting.
Global money transfers for every need.
Two paths, one standard of service. Built for individuals at scale and businesses moving across borders.
Built for the people who move money.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage over 35 currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
From paying suppliers to managing payroll, we streamline your international payments so every transaction is fast, reliable, and cost-effective.
Open your account
Sign up securely by providing your details and verifying your identity. Our team will review your application.
Meet your account manager
Once approved, connect with your personal account manager to explore the platform and tailor solutions to your needs.
Manage your money
When ready, confidently manage currencies, make transfers, and track your transactions seamlessly.
35+ currencies, one platform.
Trade and hold majors, regional, and exotic currencies, across 190+ countries.
Quietly trusted by people who move at scale.
“I have used X Rate Capital multiple times now and highly recommend. A seamless process from start to finish sending money from Dubai into my UK accounts quickly and cost efficiently. Very happy with their service and will be using again.”
“Locked the rate three months ahead of completion and saved more than the entire conveyancing fee. The team handled every leg of the transfer; I just signed.”
“Cross-border payroll used to take a week of chasing banks. Now it runs on time, in local currencies, with sharper rates than we got from our high-street provider.”
Frequently asked questions.
X Rate Capital is an international money transfers platform. We make it easy for individuals and businesses to send money globally with competitive rates and low fees. Sign up, select your currency, enter the recipient details, and complete the transaction, with a dedicated account manager on hand.
We support over 35 currencies, including majors like USD, EUR, GBP and AED, as well as regional and exotic pairs. For the complete list, speak to our team.
Yes, businesses can buy and store multiple currencies in their account, locking in favourable rates and streamlining international operations.
Yes. Schedule payments from your currency holdings to suppliers, employees, or partners without additional conversions.