We take security seriously. Our platform is fortified with advanced encryption and strict compliance protocols to protect your transactions and personal data. When you move money with us, you’re backed by technology and expertise designed to keep your trust intact.
Compliance and trust are non-negotiable. That’s why we work exclusively with entities regulated by the Financial Conduct Authority (FCA). This ensures that every transaction is handled with the highest standards of transparency, accountability, and security. Your peace of mind is at the core of our partnerships.
Payment services for X Rate Capital Ltd are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.
Your money is held in separate accounts with tier one banks. In the unlikely event of XRate Capital or their payment providers ceasing to exist, your money remains protected.
We comply with best practices and regulations pertaining to the management of personal data under the UK Data Protection Act (DPA), as well as the European Union General Data Protection Regulation (GDPR).
All network traffic is encrypted at a transport level and confidential information is encrypted at rest. We use best practices in terms of encryption key storage and security.
Payments platforms provide a role based, hierarchical security model with two-step authentication and multi-factor authentication for sensitive systems. All access is logged and audited for suspicious behaviour.
We know that transferring money internationally can come with questions. To make things easier, we’ve compiled answers to the most common queries about our process, fees, and security. From how to set up an account to understanding our exchange rates, this section provides clear and concise information to help you feel confident every step of the way. Don’t see your question here? Our expert team is always available to assist.
By partnering with FCA-regulated entities and adhering to strict compliance frameworks, we ensure all transactions meet the highest international standards.
All payment data is encrypted using industry-standard protocols and transmitted over secure connections to prevent interception or misuse.
We strictly follow AML and KYC regulations, requiring verification of identity and transaction purposes to prevent fraud and financial crime.
Payment services for X Rate Capital Ltd are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.