Effortless global transfers for your business.
Streamline cross-border payments, access institutional-grade rates, and hedge your exposure with strategies built around your actual flow, not a template.
Execution, exposure, and flow, in one view.
What we monitor for clients on any given day: live rates, scheduled flows, and hedged exposure. Indicative figures shown for illustration.
- £420,000GBP → USDsettled2m ago
- €185,000EUR → AEDexecutingnow
- $96,500USD → JPYscheduledT+1
- Open exposureGBP 1.2M
- Hedged78%
- Avg. fill vs interbank+0.04%
Manage and hold multiple currencies with ease.
Save time on the payments side so you can focus on growth, through smarter execution, automation, and integration.
Hold 35+ currencies in one place.
Buy when rates suit you, hold without fees, and convert instantly when you need to settle.
Pay everyone, in one run.
Settle payroll, suppliers, and contractors across multiple currencies from a single batch. Less reconciliation, fewer errors.
Lock rates for up to 24 months.
Forwards and tailored hedging structures designed around your real exposure, not a template.
On a year of FX, the spread compounds.
Move a slider, watch what happens to a year's worth of business FX. Illustrative figures, real arithmetic.
Most retail banks sit between 2 and 3.5% on cross-border FX, often higher on exotic pairs.
Illustration only. Actual savings depend on your pairs, volumes, timing, and the quote provided by the desk. Real numbers are produced when you share your flow.
A quick & simple solution for every industry.
Whether you're managing payroll, importing goods, or expanding into new markets, our service flexes to your business.
Payroll management
Pay international teams and contractors in local currencies, quickly and reliably.
Paying suppliers
Transfer funds to suppliers worldwide with competitive rates and fast processing.
Currency hedging
Lock favourable rates with forwards and tailored strategies built around your real exposure.
Three steps to a faster treasury.
Onboarding takes minutes. From there, your account manager makes your payment workflow simpler, and cheaper.
Open a free account
Sign up online in just a few minutes. Provide your business details to set up a secure account, your dedicated manager will be in touch.
Meet your account manager
Once approved, your manager understands your treasury workflow, payment cadence, and risk appetite. Execution is tailored to fit.
Start transferring
Run payroll, settle suppliers, and execute hedges from one place, with the team handling the heavy lifting whenever you need it.
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.”
Everything that you need to know.
Common questions on payroll, cost reduction, and compliance. If yours isn't here, our team is one message away.
Competitive rates and fast transfers make international payroll predictable. Pay employees and contractors abroad reliably and at lower cost than a traditional bank.
Sharper exchange rates and lower fees translate to material savings on cross-border flows compared to high-street banking. Forwards lock those savings forward.
Yes. We operate in partnership with FCA-regulated payment institutions, ensuring all transactions adhere to strict global financial and regulatory requirements.