Better FX. Fewer surprises. Built for Your Visa UAE clients.
X Rate Capital is a currency specialist trusted by private clients and businesses across 190+ countries. Payments delivered through FCA-authorised partners, with live rates, fast settlement, and a dedicated expert on every transaction.
Indicative mid-market rate, sourced from the ECB. The final rate you trade at is quoted by an expert at the time of trade and may differ. Bank comparison assumes a 3% retail FX margin.
A smarter FX arrangement for Your Visa UAE clients.
We’ve partnered with Your Visa UAE to give their clients direct access to X Rate Capital’s FX desk - the same rates, named experts and risk tools used by corporates and HNW clients across the UK.
Why Your Visa UAE chose X Rate Capital
We move money the way you'd want it moved if it was yours - with care, speed and zero hidden margins. Here's what Your Visa UAE's clients get from day one.
Bank-beating rates
Live interbank pricing with transparent fees. No spread games, no surprises on the confirmation.
FCA-authorised partners & safeguarded
Payments delivered through FCA-authorised partners (Sciopay Ltd FRN 927951 and Equals Connect Ltd FRN 671508). Client funds are safeguarded with tier-1 banking partners.
Named expert, direct line
A named human on every trade. No call queues, no chatbots - direct line, market commentary, hedging guidance.
190+ countries
Payments in 38 currencies to 190+ destinations. Same-day delivery on majors, next-day on most exotics.
Forwards & risk management
Lock rates up to 24 months ahead. Forwards, market orders and structured solutions for businesses with FX exposure.
Built for repeat use
Beneficiary book, recurring schedules and batch payments. Set it once, settle in seconds next time.
Where the savings actually come from.
The rate is the headline; everything else is what makes it work in practice. Here is the side-by-side.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding35+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
See exactly what you pay — before you trade.
Banks bury a 2–4% margin inside the exchange rate, so the “no fee” transfer still costs you. We quote the live interbank rate and a small, transparent margin separately — disclosed and agreed before you confirm. What you see is what you get.
- Live interbank mid-market rate as the starting point
- A small margin, shown to you up front — never hidden in the rate
- No account fees, no monthly fees, no exit fees
- A named specialist confirms the rate at the moment you trade
Illustrative. Bank comparison assumes a 3% retail FX margin. Your live rate is quoted by a specialist at the time of trade and may differ.
Global money transfers for every need.
Two paths, one standard of service. Built for individuals at scale and businesses moving across borders.
Every service Your Visa UAE clients need.
From same-day spot to multi-year hedging - the full FX toolkit, delivered with a named expert on every trade.
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.
What Your Visa UAE's clients use us for
Buying property abroad
Deposit, completion and ongoing maintenance payments - locked at the right rate, settled on the right day.
Emigration & relocation
Move savings, pensions and salary income across borders. We handle the paperwork, you handle the move.
International salaries & inheritance
Bring money home efficiently. Scheduled transfers and one-off lump sums with full audit trail.
Supplier & contractor payments
Pay overseas suppliers, contractors and remote staff. Batch uploads, automated FX, reconciliation built in.
Treasury & hedging
Protect margin against FX swings with forwards, market orders and bespoke hedging strategy.
M&A and cross-border deals
Large-ticket transfers with dedicated execution. Confidential, compliant, settled exactly on schedule.
Regulated. Safeguarded. Built for trust.
Payment services provided by Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508), both authorised and regulated by the Financial Conduct Authority.
Client money is held in segregated safeguarding accounts with tier-1 UK banking partners - never co-mingled with our own funds.
Beneficiary verification, dual-approval workflows and named expert call-backs on every large trade.
Get a live rate in one business hour.
Tell us what you're moving and a named X Rate Capital specialist comes back with a live rate and next steps — no obligation, no jargon.
Free · no obligation · a real person, not a bot
- No setup or monthly fees
- Most accounts open in under an hour
- FCA-authorised payment partners
- Funds safeguarded at tier-1 UK banks
Frequently asked questions
Is X Rate Capital regulated?+
X Rate Capital partners with FCA-authorised payment institutions to deliver every transaction. Payment services are provided by Sciopay Ltd (FRN: 927951) and Equals Connect Limited (FRN: 671508), both authorised by the Financial Conduct Authority. Client funds are safeguarded with tier-1 UK banks.
How are your rates better than my bank?+
Banks typically bake a 2–4% margin into the rate they show you. We work off live interbank pricing and charge a small, transparent margin - on a typical £100k transfer that's hundreds to thousands of pounds back in your pocket.
How quickly can I get set up?+
Most private clients are onboarded and trading within an hour. Corporate accounts typically take 1–2 business days depending on documentation.
Do you offer forward contracts?+
Yes. We offer forwards out to 24 months for both private and corporate clients, useful for property purchases, school fees, supplier payments and hedging business FX exposure.
Is there a fee to use the service?+
No account fees, no monthly fees. We earn a small, transparent margin on each trade - disclosed before you confirm. No surprises.
Can I speak to a real person?+
Always. Every client has a named expert with a direct line. No phone trees, no offshore call centres.
Get in touch
Tell us a bit about what you're moving and we'll come back with a live rate and next steps - usually within one business hour.
Ready when you are.
Open an account in minutes. No commitment, no fees to set up - just a better way to move money internationally.
Opening an account is free and takes minutes.
- £2.1B+ moved
- 38 currencies · 190+ countries
- Named expert on every trade