Business FX
Your margins deserve better rates.
From a single international payment to a full FX hedging strategy, we manage the complexity enabling you to focus on the business.
From a single international payment to a full FX hedging strategy, we manage the complexity enabling you to focus on the business.
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.
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Pay overseas suppliers in their local currency, on time, at competitive rates. Our specialists monitor the market allowing you to focus on core business operations.
Pay remote teams, contractors, and employees in their own currencies through a single instruction. We handle the complexity so you do not have to.
Forward contracts, options strategies, and bespoke hedging programmes to protect your business from currency volatility and safeguard your margins.
Hold, receive, and send funds in multiple currencies from a single account. Collect international payments with dedicated IBANs and reduce unnecessary conversion costs.
Every tool your finance team needs to manage international currency, all under one roof with one specialist.
Convert and send currency at today's live market rate. Ideal for immediate supplier payments, ad-hoc transfers, and time-sensitive transactions.
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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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Upload a single payment file and pay hundreds of recipients across multiple currencies simultaneously. Built for payroll, dividends, and trade settlement.
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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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Receive payments from overseas customers in their local currency via dedicated local bank details in 30+ countries. Convert and repatriate on your schedule.
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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 →Opening a business account is free, takes under five minutes, and comes with no obligation to trade.
Complete our online registration form. There are no credit checks, no fees, and no obligation to proceed at this stage.
We assign you a dedicated foreign exchange relationship manager who calls you to understand your requirements and timeline.
When you are ready to transact, your relationship manager provides a live, competitive rate. Once agreed, your rate is secured.
Send your funds to us in accordance with the agreed settlement date. Our team confirms receipt and initiates the transfer.
We deliver the converted funds directly to your beneficiary, same-day or next-day in all major corridors.
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 support usually reserved for larger corporates.
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.
From SMEs to large corporates, our clients trust us to manage what matters.
"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."
"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 straightforward. 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."
"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."
Complete the form and a business foreign exchange relationship manager will contact you within one business hour.
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.
