A Better Way to Move Money Internationally
Competitive exchange rates, personal service and secure international payments for private clients and businesses.
Dedicated relationship manager
Private and corporate clientes
Secure payments through regulated banking partners
Major global currencies
A Better Way to Move Money Internationally
Competitive exchange rates, personal service and secure international payments for private clients and businesses.
Dedicated relationship manager
Private and corporate clientes
Secure payments through regulated banking partners
Major global currencies
A Better Way to Move Money Internationally
Competitive exchange rates, personal service and secure international payments for private clients and businesses.
Dedicated relationship manager
Private and corporate clientes
Secure payments through regulated banking partners
Major global currencies
Watch the short video below to understand how international transfers really work and why banks are no longer the best option.
Who we help
Private Clients
• Overseas property purchases and sales
• Relocation
• Investments
• Regular international transfers
• High-value personal payments
Corporate Clients
• Supplier and invoice payments
• International payroll
• Import and export payments
• Currency risk management
• Regular business transfers
Why Clients
Choose X Rate
Personal Service
A dedicated relationship manager who understands the client’s requirements.
Competitive Rates
Live pricing across major global currencies.
Fast and Secure
International payments completed through established regulated partners.
Market Guidance
Clear information to help clients make informed decisions.
End-to-End Support
Support from onboarding through to settlement.
How it works
01
Fast and Secure
International payments completed through established regulated partners.
02
Complete Onboarding
A straightforward compliance and account-approval process.
03
Agree your exchange rate
International payments completed through established regulated partners.
04
Your founds are transferred
The payment is sent securely to the nominated beneficiary.
Client Example
Dubai Property Purchase
A UK-based client was preparing to complete the purchase of a property in Dubai and needed to transfer a significant amount from GBP into AED.
Currency Pair
GBP / AED
Approximate Transfer Amount
£250,000
Client objective
Transfer the required funds to the UAE ahead of the property completion date while having clear visibility over the process and exchange rate.
How X Rate helped
X Rate Capital supported the client through onboarding, discussed their payment timeline and requirements, monitored the currency market and coordinated the transfer through to settlement.
Result
The funds were converted and transferred in line with the client’s required payment schedule, giving them confidence that the property payment was managed efficiently from start to finish.
Client feedback
“The process was straightforward from the beginning. I knew what was happening at each stage, and the team made sure the funds were ready when I needed them for completion.”
Example shown for illustrative purposes. Currency markets fluctuate, and past outcomes are not indicative of future results.
Planning an International Transfer?
Speak to the X Rate Capital team for a live exchange rate and a clear plan for your upcoming payment.
4.8
Excelent
Base on 60 reviews
Nov 16, 2025
I have been using X Rate Capital exclusively for a reason
I have been using X Rate Capital working with Andy and Jess and the service and product is so easy to use and efficient that I honestly can’t thank them enough. Very fast and efficient and once exchange booked they make it all happen . In terms of rates the best I found in the market . They will be my sole go to business for my exchange business .
Terence Chamberlain
Oct 17, 2025
Fast, Smooth and Efficient
My experience with XRate Capitial was fast, smooth and extremely efficient. It was my first time using XRate and Andy was very informative and available to answer any questions. Everything that was promised was delivered in line with expectations. Overall a great experience.
Stephen Brown
4.8
Excelent
Base on 60 reviews
Nov 16, 2025
I have been using X Rate Capital exclusively for a reason
I have been using X Rate Capital working with Andy and Jess and the service and product is so easy to use and efficient that I honestly can’t thank them enough. Very fast and efficient and once exchange booked they make it all happen . In terms of rates the best I found in the market . They will be my sole go to business for my exchange business .
Terence Chamberlain
Oct 17, 2025
Fast, Smooth and Efficient
My experience with XRate Capitial was fast, smooth and extremely efficient. It was my first time using XRate and Andy was very informative and available to answer any questions. Everything that was promised was delivered in line with expectations. Overall a great experience.
Stephen Brown
About Andrew and
X Rate Capital
X Rate Capital was founded by Andrew Smith to provide a more personal and relationship-led approach to international payments.
After working in the foreign-exchange industry and seeing how transactional the experience could become, Andrew created X Rate Capital around three principles: trust, communication and exceptional client service.
Today, the business supports private individuals, companies and professional introducers with international currency transfers.
About Andrew and X Rate Capital
X Rate Capital was founded by Andrew Smith to provide a more personal and relationship-led approach to international payments.
After working in the foreign-exchange industry and seeing how transactional the experience could become, Andrew created X Rate Capital around three principles: trust, communication and exceptional client service.
Today, the business supports private individuals, companies and professional introducers with international currency transfers.
A Better Way to Move Money Internationally
All rights reserved ©2026 andrew smith & xRate capital