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 & Chief Executive Officer
Sarah Duthie
Operations Manager
Natasha Henderson
Relationship Manager