Currency exchange for buying property abroad
A 3–4% bank margin on a property purchase can cost you thousands. X Rate Capital gives you live exchange rates, forward contracts to fix today's rate for a future completion, and a named specialist who understands property timelines.
Why clients choose X Rate Capital
Lock your rate
Fix today's rate for a completion up to 24 months away with a forward contract — no nasty surprise if the market moves.
Deposit to completion
One relationship for the deposit, staged payments and completion — settled on the exact day they're due.
Save on the spread
Live interbank pricing instead of a 3–4% bank margin — often thousands back on a property-sized transfer.
Named specialist
A direct line to someone who's handled hundreds of overseas purchases, not a call queue.
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
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.
Frequently asked questions
Should I lock my exchange rate when buying abroad?+
If completion is weeks or months away, a forward contract fixes today's rate so your budget can't be blown up by a currency swing. Your specialist will talk you through whether a forward, a market order or a spot trade fits your timeline.
How much can I save versus my bank?+
Banks typically add 2–4% to the exchange rate. On a €300,000 purchase that's €6,000–€12,000. We work off live interbank pricing with a small, transparent margin.
Is X Rate Capital regulated?+
Payment services are delivered through FCA-authorised partners (Sciopay Ltd FRN 927951, Equals Connect Limited FRN 671508), with client funds safeguarded at tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.