Protect your margins.
Control your currency risk.

From SMEs paying overseas suppliers to multinationals managing complex treasury exposures, Dinheiro provides the tools, rates, and expertise to keep your currency costs under control.

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How much you save switching to Dinheiro
A typical importer, £600k/year in international payments
Your bank
Annual foreign exchange cost
Built into the rate you receive
£21,000
per year
Dinheiro
Annual foreign exchange cost
Competitive rate, full transparency
£3,000
per year
Your saving
Straight back to your bottom line
Every year, just by switching how you move money
£18,000
saved per year
£18k
saved per year
56+
currencies
24 hrs
to onboard

Illustrative example. Actual savings vary by volume, currency pair and market conditions.

Currency solutions built around your business, not the other way round.

Banks make international payments more complicated and more expensive than they need to be. At Dinheiro, your business gets a dedicated foreign exchange relationship manager who understands your sector, your payment flows, and your risk appetite.

We work with importers, exporters, e-commerce businesses, property companies, professional services firms, and financial institutions across the UK and internationally.

Speak to a Business Specialist →

Supplier and Trade Payments

Pay overseas suppliers in their local currency, on time, at competitive rates. Our specialists monitor the market so you can focus on running your business.

Multi-Currency Payroll

Pay remote teams, contractors, and employees in their own currencies through a single instruction. We handle the complexity so you do not have to.

Hedging and Risk Management

Forward contracts, options strategies, and bespoke hedging programmes to protect your business from currency volatility and safeguard your margins.

Multi-currency Accounts

Hold, receive, and send funds in multiple currencies from a single account. Collect international payments with dedicated IBANs and reduce unnecessary conversion costs.

The full range of business currency solutions.

Every tool your finance team needs to manage international currency, all under one roof with one specialist.

01

Spot Transactions

Convert and send currency at today's live market rate. Ideal for immediate supplier payments, ad-hoc transfers, and time-sensitive transactions.

Learn more →
02

Forward Contracts

Fix an exchange rate for up to 24 months. Protect your budgeted rate and eliminate currency risk from future receivables and payables.

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03

Mass Payments

Upload a single payment file and pay hundreds of recipients across multiple currencies simultaneously. Built for payroll, dividends, and trade settlement.

Learn more →
04

Limit Orders

Set a target exchange rate and we execute your transfer automatically when the market hits it. Ideal for businesses with a budgeted rate who want certainty without constant monitoring.

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05

International Collections

Receive payments from overseas customers in their local currency via dedicated local bank details in 30+ countries. Convert and repatriate on your schedule.

Learn more →
06

Treasury Consulting

A consultative approach to your foreign exchange exposure, reviewing your currency risk profile and designing a hedging strategy aligned to your business objectives.

Learn more →

Your business account, live within a day.

Our streamlined onboarding process is designed to get your business trading as quickly as possible, without compromising on compliance.

1

Submit Your Application

Complete our digital onboarding form with your business details. KYB and AML checks run in the background, typically completed the same day.

2

Meet Your Relationship Manager

We assign a dedicated business foreign exchange relationship manager who introduces themselves and conducts a needs analysis call with your finance team.

3

Build Your Strategy

Your relationship manager reviews your foreign exchange exposure and proposes a currency strategy, whether that is spot trading, a hedging programme or automated payments.

4

Start Trading

Execute your first trade by phone or through your online client portal. Your relationship manager is always available to provide live rates and market guidance.

SME

Built for small and growing businesses.

Whether you are importing from China, paying a remote team, or selling into Europe, Dinheiro gives your SME the same access to competitive rates and expert guidance usually reserved for larger corporates.

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Corporate

Institutional capability for larger organisations.

For corporates with complex foreign exchange exposures, treasury requirements, or high-volume payment needs, we offer structured solutions, dedicated trading lines, and direct market access at institutional pricing.

Talk to Corporate Team →

What our business clients say.

From SMEs to large corporates, our clients trust us to manage what matters.

★★★★★
Trustpilot

"I have been working with Dinheiro for some time now and I am very happy, 10/10 with their service. Very reliable, money transferred on time, and rates are very competitive. When there is any issue, they are the first to call. Even if I am getting better rates elsewhere, I am not moving from here. Thanks to the team, especially Kevin."

TP
Trustpilot Reviewer
Great Customer Service
★★★★★
Trustpilot

"I have been using Dinheiro for nearly a year now for my business. Excellent service every time. The staff are friendly, professional, and very efficient. Rates are always competitive and the whole process is quick and hassle-free. I really appreciate how clear and trustworthy everything is. Highly recommended — I wouldn't go anywhere else. Thank you to Sonny and the rest of the team."

TP
Trustpilot Reviewer
Excellent service every time
★★★★★
Trustpilot

"I've had a genuinely excellent experience with Dinheiro. The service felt personal, attentive and professional. The rates were great, everything was handled properly and you're not treated like a number. Communication was clear, responsive and honest throughout. I'd happily recommend Sonny and Dinheiro to anyone. Great people, great prices and a solid service all round."

TP
Trustpilot Reviewer
Professional, Honest and Easy to Deal With

Open your business account today

Complete the form and a business foreign exchange relationship manager will contact you within one business hour.

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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.