Empowering global money transfers with speed, security, and simplicity.
We exist to make moving money internationally feel less like negotiating with a bank and more like working with a desk that knows your name. Headquartered in Dubai, serving clients across the world.
Your money should move as efficiently as your ambitions.
We started X Rate Capital because the cost of moving money internationally was hidden in the language banks used and the spreads they took. We rebuilt the experience around clarity, speed, and a person who picks up the phone.
Move with intent.
Every transfer has a reason. We price it like an institution, settle it like a concierge, and document it so nothing surprises anyone later.
Service is the strategy.
A named account manager who knows your situation will always beat a faster portal. We build both, and put the human first.
Trust is earned in basis points.
Sharper rates. Lower fees. Fewer surprises. The savings sit on the line, every time, and we are happy to prove it.
Borders are an inconvenience, not a barrier.
Where banks see compliance friction, we see a problem to engineer around. Currencies, geographies, schedules: handled.
The people behind the desk.
Andrew Smith
Founder & CEOBuilt X Rate Capital from a desk in Dubai with a simple idea: cross-border money should move at the pace of the people moving it.
Sarah Duthie
Operations ManagerRuns the engine room. Every onboarding, settlement, and audit goes past her desk before it goes anywhere else.
The work, in our clients' words.
“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.”