Pay overseas contractors & freelancers
Paying a global team shouldn't mean losing 2–4% on every invoice. X Rate Capital lets you pay contractors and freelancers in their own currency across 38 currencies, in batches, at live rates — with reconciliation built in.
Why clients choose X Rate Capital
Pay in their currency
Send funds in the contractor's local currency across 38 currencies — no double conversion.
Batch payroll
Pay your whole roster in one upload, with reconciliation and a full audit trail.
Transparent rates
Live interbank pricing with a small disclosed margin — not a hidden 3–4% spread.
Dedicated desk
A named account manager who knows your pay cycles and beneficiaries.
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 pay multiple contractors at once?+
Yes — upload a batch and pay your whole team across currencies in a single run.
Which currencies can I pay in?+
38 currencies to 190+ destinations, with same-day delivery on majors and next-day on most others.
Is there a fee?+
No account or monthly fees — just a small, transparent margin on the exchange rate, disclosed up front.
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.