We're in the money business, but our heart's in the people business.

Dinheiro was built on the conviction that businesses and individuals deserve better: better rates, better service and a partner who is genuinely invested in their success.

Our Story Get in Touch

Direct access to your relationship manager. One person who knows your account, picks up the phone, and gets things done.

£120m+
in funds processed for clients worldwide
30+
years of combined experience in finance and payments

A different kind of foreign exchange company.

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.

Founded by practitioners

Our founders have decades of combined experience in institutional foreign exchange trading, payments infrastructure, and financial services. We know the market from the inside.

Regulated and trusted

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.

Built for the long term

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.

Transparent by design

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.

Our values shape everything we do.

People First

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.

Total Transparency

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.

Integrity in Everything

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.

Excellence in Execution

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.

Accountability

Your relationship manager is accountable to you. They answer your calls, respond to your emails, and own every transaction from instruction to delivery. No passing the buck.

Long-term Thinking

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.

Deep Expertise

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.

Proactive by Nature

We do not wait for you to call. If market conditions change in a way that matters to you, your relationship manager will reach out. Good advice delivered at the right moment is part of the service.

The foreign exchange industry has operated the same way for decades. We built Dinheiro because we believed clients deserved better.

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.

01

Rates shown before you commit

What you agree is what happens. No changes between quote and settlement, no surprises.

02

FX and payments only

We do one thing and we do it properly. No cross-selling, no distractions, no products you do not need.

03

A person, not a queue

You have a named contact who knows your account and answers when you call. No call centres, no bots.

04

Built on retention, not acquisition

We grow when clients stay. That means we have every reason to look after you properly from day one.

Authorised, regulated, and accountable.

Dinheiro takes its regulatory obligations seriously. Payment services are provided by Sciopay Ltd, which is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution (FRN: 927951), subject to rigorous ongoing oversight on capital, safeguarding, compliance, and conduct.

Your funds are held in segregated safeguarding accounts with tier-1 UK regulated partners. They are never commingled with Dinheiro's own operational funds, and in the unlikely event of our insolvency, they are protected for return to you.

Sciopay Ltd: Authorised Payment Institution

Payment services for Dinheiro are provided by Sciopay Ltd, authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 927951. You can verify Sciopay's authorisation on the FCA register at fca.org.uk.

Client Funds Safeguarded

All client funds are held in segregated safeguarding accounts with tier-1 UK banks, in compliance with the Payment Services Regulations 2017.

Sciopay Ltd: Payment Services

Payment services for Dinheiro Limited are provided by Sciopay Ltd. Sciopay Ltd is authorised by the FCA as an Authorised Payment Institution (FRN: 927951) and licensed by HMRC as an MSB (No: XCML00000151326).

Complaints Procedure

We take complaints seriously. If you have a concern, contact us at complaints@dinheiro.uk. If unresolved, you may refer your complaint to the Financial Ombudsman Service.

Ready to work with a different kind of foreign exchange company?

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Sciopay Ltd Regulated FRN: 927951
Client Funds Safeguarded Segregated client accounts

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.