Personal FX
Stop overpaying on every exchange.
Bank-beating rates, a named relationship manager and no hidden fees. From property purchases to regular transfers abroad.
Bank-beating rates, a named relationship manager and no hidden fees. From property purchases to regular transfers 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 →
Buying a home in France, Spain, Portugal or further afield? We handle large one-off transfers with precision timing and market information throughout.
Paying an overseas mortgage, sending money to family, or covering living costs abroad? We set up automated regular transfers at consistent, competitive rates.
Moving abroad is complex enough. We handle the financial side, transferring your assets to your new home country with minimal fuss and maximum value.
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.
The difference between us and your high-street bank is not just the rate. It is the entire experience.
Every client is assigned a dedicated account manager, available by phone, email, or video call throughout the relationship.
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.
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).
Same-day and next-day settlement in all major corridors. Your money arrives where it needs to be, when it needs to be there.
Whether you are sending £500 or £5 million, you receive the same quality of service and the same competitive rate structure.
Our specialists watch the markets daily and will alert you to favourable rate movements enabling well-timed execution.
Opening a personal 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.
Real people, real transfers, real savings.
"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."
"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."
"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."
Register today and a personal foreign exchange relationship manager will call 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.
