About Dinheiro
Built by people
who know FX.
Dinheiro was founded on the belief that businesses deserve a better FX partner, one that tells you the truth about what they pay.
Dinheiro was founded on the belief that businesses deserve a better FX partner, one that tells you the truth about what they pay.
Dinheiro was founded by a team of experienced foreign exchange and payments professionals who grew frustrated watching clients pay far too much for international transfers and receive far too little in return by way of service.
We built Dinheiro around a simple idea: every client, regardless of the size of their transaction, deserves institutional-grade pricing and a dedicated relationship manager who is accountable to them. Not a call centre. Not a chatbot. A person.
Today we serve businesses of all sizes, from sole traders paying overseas suppliers to large corporates with complex hedging needs, alongside private individuals making some of the most significant financial decisions of their lives.
Our founders have decades of combined experience in institutional foreign exchange trading, payments infrastructure, and financial services. We know the market from the inside.
Payment services are provided by Sciopay Ltd, authorised by the Financial Conduct Authority as a Payment Institution (FRN: 927951). Client funds are held in segregated accounts and are never commingled with our own.
We are not a fintech racing to scale and exit. We are building a business with longevity, based on repeat client relationships, genuine expertise, and a reputation we intend to protect.
Every rate we quote is explained. Every fee is disclosed. We have built our business on clients who trust us, and we work to earn that trust on every transaction.
Behind every transaction is a person with a goal, a deadline, and real money at stake. We never lose sight of that. Our clients are not accounts. They are people we are responsible to.
We tell you the rate and exactly what your beneficiary will receive, before you commit. There is no asterisk at Dinheiro. What we quote is what you get.
We do not upsell products clients do not need. We do not hide fees. We tell clients when the market is moving against them and when they should consider acting. That is how we build relationships that last.
A competitive rate means nothing if the payment does not arrive. Our operations team and global banking infrastructure are built to deliver every time, on time, without exception.
Your relationship manager is accountable to you. They answer your calls, respond to your emails, and own every transaction from instruction to delivery. Responsibility is never delegated to third parties.
We make decisions that are right for clients and right for the business over the long term. We are not chasing short-term gains. We are building something worth being part of.
Our specialists have years of institutional foreign exchange and payments experience. We understand markets, corridors and timing, and we use that knowledge every day on your behalf.
We do not wait for you to call. If market conditions change in a way that matters to you, your relationship manager will make contact. Good market intelligence delivered at the right moment is part of what we do.
Banks have long treated foreign exchange as a profit centre rather than a service. Margins are hidden inside rates, relationship managers are replaced by call centres, and clients are left with no real visibility into what they are paying or why.
Dinheiro was founded by a team that spent decades inside financial institutions and payments businesses who saw this clearly and decided to do something about it. We built a firm where that experience works in your favour, not against it.
What you agree is what happens. No changes between quote and settlement, no surprises.
We do one thing and we do it properly. No cross-selling, no distractions, no products you do not need.
You have a named contact who knows your account and answers when you call. No call centres, no bots.
We grow when clients stay. That means we have every reason to look after you properly from day one.
Payment services are provided by Sciopay Ltd, authorised and regulated by the FCA as an Authorised Payment Institution (FRN: 927951). Your funds are held in segregated safeguarding accounts and are never commingled with our own.
Payment services for Dinheiro are provided by Sciopay Ltd, authorised and regulated by the Financial Conduct Authority. FRN: 927951. Verifiable on the FCA register at fca.org.uk.
All client funds are held in segregated safeguarding accounts with tier-1 UK banks, in compliance with the Payment Services Regulations 2017. Never commingled with operational funds.
Sciopay Ltd is authorised by the FCA as an Authorised Payment Institution (FRN: 927951) and licensed by HMRC as a Money Service Business (No: XCML00000151326).
We take complaints seriously. Contact us at complaints@dinheiro.uk. If unresolved, you may refer your complaint to the Financial Ombudsman Service.
Whether you have a question or you are ready to open an account, we want to hear from you.
Payment services for Dinheiro Limited are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales, Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB), License No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution, Firm Reference Number: 927951.
