Pay school & university fees abroad
Termly tuition adds up — and a 3–4% bank margin on every payment adds up faster. X Rate Capital gives you live rates, forward contracts to fix a rate for the school year, and scheduled payments so fees are never late.
Why clients choose X Rate Capital
Fix the year's rate
Lock today's rate for the whole academic year with a forward — no budget shock if the currency moves.
Termly schedules
Set fees to go out automatically each term, on time, to the institution's account.
Save every term
Live pricing instead of a bank spread means more of your money reaches the tuition bill.
Named specialist
One point of contact who understands academic payment calendars.
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 lock a rate for the whole school year?+
Yes — a forward contract fixes today's rate for payments up to 24 months ahead, so you can budget the year with certainty.
Can I schedule termly payments?+
Yes — set up recurring transfers to the institution so each term's fees go out automatically at a competitive rate.
Is there a fee?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, 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.