Pay overseas suppliers, without the bank markup
Every supplier payment your bank converts quietly costs you 2–4%. X Rate Capital gives your business live FX pricing, batch payments in 38 currencies, and forward contracts to protect your margin against currency swings.
Why clients choose X Rate Capital
Protect your margin
Hedge FX exposure with forwards and market orders so a moving rate never eats your profit on a contract.
Batch payments
Pay dozens of suppliers or contractors in one upload, across currencies, with reconciliation built in.
Transparent pricing
Live interbank rates with a small disclosed margin — no 3–4% spread hidden in the rate.
Dedicated desk
A named account manager who knows your payment 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 suppliers at once?+
Yes — upload a batch and settle dozens of beneficiaries across currencies in one go, with a full reconciliation trail.
How do forward contracts protect my business?+
A forward locks today's rate for a payment up to 24 months ahead, so a currency swing between winning a contract and paying for it can't erode your margin.
Is there a fee?+
No account or monthly fees. We earn a small, transparent margin on each exchange, disclosed before you confirm.
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.