Send money to family abroad
Supporting family overseas shouldn't mean losing a chunk to fees and a marked-up rate every month. X Rate Capital gives you transparent pricing, scheduled transfers and a named specialist — so more reaches the people who matter.
Why clients choose X Rate Capital
More arrives
Live pricing with a small transparent margin beats bank and app spreads, especially on larger amounts.
Set and forget
Schedule regular support payments so they go out on time, every time.
No surprises
The rate and margin are disclosed before you confirm — no fee revealed at the end.
A real person
A named specialist on the phone, not a chatbot, whenever you need them.
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
Is this cheaper than a money-transfer app?+
For regular or larger transfers, our live interbank pricing and transparent margin typically beat app spreads. Compare using the calculator, then get a live quote.
Can I schedule monthly transfers?+
Yes — set up recurring transfers to a saved beneficiary so support goes out automatically each month.
Is it regulated and safe?+
Yes — delivered via FCA-authorised partners 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.