Moving abroad? Move your money smarter
Relocating means moving savings, salary and pension income across borders — and losing 3–4% to your bank every time. X Rate Capital gives you live rates, scheduled transfers and a named specialist to make the money side effortless.
Why clients choose X Rate Capital
Move savings efficiently
Transfer lump sums at live rates instead of a bank spread — thousands more landing in your new account.
Ongoing income
Schedule recurring transfers of salary, pension or rental income to your new home country.
Time the market
Use market orders to target a rate, or a forward to lock one in ahead of your move.
One relationship
A named specialist across the whole move, not a different call-centre agent each 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
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
Can I set up regular transfers of my pension or salary?+
Yes — schedule recurring transfers so your income lands in your new country automatically, at competitive rates each time.
What's the best way to move a large lump sum?+
Your specialist will weigh a spot trade, a market order targeting a better rate, or a forward to lock one in — based on your timeline and the amount.
Is my money safe?+
Payments run through FCA-authorised partners with client funds safeguarded in segregated tier-1 UK bank accounts.
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.