Beat the banks.
Keep more of your money.

Whether you are buying a home overseas, supporting family abroad, or relocating, Dinheiro gives you bank-beating rates and a relationship manager who actually picks up the phone.

Open a Free Account Compare Rates
How much you save sending money with Dinheiro
A property purchase abroad — £150,000 sent to Europe
Your bank gives you
Amount received by beneficiary
After the bank's hidden margin
€166,432
bank rate
Dinheiro gives you
Amount received by beneficiary
Competitive rate, full transparency
€171,712
Dinheiro rate
Your saving
Extra euros in your pocket
On a single transfer, just by switching to Dinheiro
€5,280
saved on this transfer
€5,280
saved on transfer
56+
currencies
Same day / Next day
settlement

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

Personal foreign exchange for every stage of life abroad.

Banks charge more than they should for international transfers. Dinheiro was built to change that. Whatever your reason for sending money overseas, we give you a relationship manager, a competitive rate and a service that treats you like a person, not a transaction.

From first-time buyers purchasing a holiday home to expats making regular transfers back home, we handle it all with discretion and expertise.

Speak to a Relationship Manager →

Overseas Property Purchase

Buying a home in France, Spain, Portugal or further afield? We handle large one-off transfers with precision timing and market guidance throughout.

Regular Overseas Payments

Paying an overseas mortgage, sending money to family, or covering living costs abroad? We set up automated regular transfers at consistent, competitive rates.

Emigration and Relocation

Moving abroad is complex enough. We handle the financial side, transferring your assets to your new home country with minimal fuss and maximum value.

Forward Contracts for Certainty

Lock in today's rate for a future purchase, ideal if you have exchanged contracts on a property and need to protect yourself from currency swings.

Why clients choose Dinheiro over their bank.

The difference between us and your high-street bank is not just the rate. It is the entire experience.

01

Your Relationship Manager

You are not a number to us. Every client has a dedicated account manager available by phone, email, or video call whenever you need them.

02

Rates That Beat the Banks

Our clients typically save between 1.5% and 4% versus high-street bank rates. On a £200,000 property purchase, that is a significant sum.

03

Fully FCA Regulated

Your funds are protected in segregated safeguarding accounts. Payment services are provided by Sciopay Ltd, authorised by the FCA as a Payment Institution (FRN: 927951).

04

Fast, Reliable Settlement

Same-day and next-day settlement in all major corridors. Your money arrives where it needs to be, when it needs to be there.

05

No Minimum Transfer

Whether you are sending £500 or £5 million, you receive the same quality of service and the same competitive rate structure.

06

Market Intelligence

Our specialists watch the markets daily and will alert you to favourable rate movements so you can time your transfer with confidence.

Up and running in four simple steps.

Opening a personal account is free, takes under five minutes, and comes with no obligation to trade.

1

Register Free

Fill in our simple online form. No credit checks, no fees, no commitment required at this stage.

2

Meet Your Relationship Manager

We assign you a dedicated foreign exchange relationship manager who calls you to understand your requirements and timeline.

3

Agree Your Rate

When you are ready to transact, your relationship manager provides a live, competitive rate for your approval.

4

Funds Delivered

Send your sterling (or other currency) to us and we deliver the converted funds directly to your beneficiary.

What our personal clients say.

Real people, real transfers, real savings.

★★★★★
Trustpilot

"I have recently had the pleasure of working with Mr Sonny Williams and his team at Dinheiro who kindly took care of all my FX requirements. They are by far the best company I have worked with and they have a very smart platform. They have always gone above and beyond to get me the best rates and I would highly recommend their service to anyone."

TP
Trustpilot Reviewer
Best by far
★★★★★
Trustpilot

"We've been using Dinheiro to handle our foreign transfers for paying suppliers abroad, and it's been excellent. They consistently offer the best exchange rates we've found, which has made a real difference to our bottom line. Sonny has gone above and beyond to accommodate our needs, always responsive, professional, and proactive in finding the best solutions for us."

TP
Trustpilot Reviewer
Exceptional service and best rates
★★★★★
Trustpilot

"Prompt, polite and professional are the first words that come to mind. I deal with the director Kevin and he is always there to help me make payments to my suppliers whenever I need to send currency, and always ensures I get a great exchange rate. Stuck to his word and they are a great company to use. I really couldn't recommend them enough."

TP
Trustpilot Reviewer
Professional

Open your free personal account

Register today and a personal foreign exchange relationship manager will call you within one business hour.

I agree to receive updates and communications from Dinheiro in line with our Privacy Policy.
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.