Move your pension income abroad
Retiring overseas means your pension has to travel every month — and a bank spread quietly erodes it each time. X Rate Capital gives you competitive rates, scheduled transfers and rate protection so your retirement income goes further.
Why clients choose X Rate Capital
More income, kept
Live pricing beats bank spreads, so more of every pension payment lands in your account.
Automatic each month
Schedule recurring transfers so your pension arrives on time, wherever you've retired.
Protect against swings
Use forwards or market orders to protect your income from currency volatility.
A real relationship
A named specialist who knows your situation, not a call centre.
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 automatic monthly pension transfers?+
Yes — schedule recurring transfers so your pension income lands abroad each month at a competitive rate.
How do I protect my income from exchange-rate swings?+
Forwards and market orders let you lock or target a rate so a falling currency doesn't cut your monthly income.
Is it regulated?+
Payments are 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.