Our solutions
Whatever the currency,
we deliver.
From a single overseas transfer to a fully structured corporate hedging programme, we have the expertise and the people to deliver.
From a single overseas transfer to a fully structured corporate hedging programme, we have the expertise and the people to deliver.
A spot transaction is the most straightforward form of currency exchange: you agree a rate today and settle within two business days. It is the ideal solution for immediate payment requirements: supplier invoices, property deposits and one-off transfers.
Your dedicated relationship manager provides a live, competitive rate the moment you need one. You receive a live rate in seconds from a specialist with full knowledge of your account, with no call centre involved.
Get a Spot Rate →
Choose same-day (value today), next-day (value tomorrow), or standard three-day settlement in accordance with your requirements.
A forward contract allows you to lock in an exchange rate today for a transaction that will settle at a specified date in the future, anywhere from one week to 24 months ahead.
For businesses with known future currency commitments, forwards eliminate the uncertainty of rate movements. For property buyers, a forward secures your rate the moment contracts are exchanged, protecting you from the market moving against you before completion.
Enquire About Forwards →
Fix your rate for transactions up to two years in the future, giving your business or purchase complete certainty.
Forwards are entered with a small initial margin deposit, typically 5 to 10% of the contract value, with the remainder due at settlement.
A window forward allows drawdown of funds at any point within a specified period, giving flexibility around exact settlement dates.
If you make recurring international transfers, such as an overseas mortgage, monthly supplier payments, employee salaries or family remittances, our regular payment service takes the administration out of it entirely.
Set up your schedule once. Your specialist agrees a competitive rate at the point of each transfer, and the funds are delivered automatically to your beneficiaries on time, every time.
Set Up Regular Payments →
Weekly, fortnightly, monthly or custom: we accommodate any payment cadence to match your obligations.
Each regular payment is transacted at the live market rate, not a standing rate set months ago. Clients receive a competitive rate on every transfer, without exception.
View your payment history, upcoming schedules, and rate history any time through your online client portal.
Additional solutions available to business and personal clients on request.
Upload a single file containing hundreds of payment instructions across multiple currencies and countries. Ideal for payroll, dividends, and bulk supplier settlement. We handle the routing, compliance checks, and delivery.
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Set your target exchange rate and we will monitor the market around the clock. The moment your rate is reached, we execute automatically, with no need to watch screens or call us. Ideal for clients who have a rate in mind and want certainty of execution at the right level.
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Receive payments from overseas clients using local bank account details in 30+ countries. Funds are collected in local currency and converted to your home currency at a competitive rate.
Enquire →The advantages of working with Dinheiro are material. These are the key differences between us and a high-street bank.
Dinheiro charges no transfer fees on any international payment. High-street banks levy between £15 and £40 per transaction. Our clients pay nothing.
Every client is assigned a dedicated relationship manager with in-depth knowledge of their business, currency risk profile, and payment requirements.
Eligible transactions can be settled on the same business day, ensuring funds arrive when required rather than within the 1 to 5 day windows typical of banks.
Forward contracts allow clients to secure an exchange rate today for settlement up to 24 months ahead, providing certainty over future payment obligations.
Clients can send, receive, and hold funds across more than 56 currencies from a single account, well beyond the 20 to 30 currencies available at most banks.
Our team monitors currency markets on behalf of each client and provides timely alerts when target rates are reached, enabling well-informed decisions at the right moment.
Move the slider to your transfer amount and see a typical saving versus a high-street bank. Based on average bank margins of 2.5–4%.
Tell us what you need and a relationship manager will be in touch 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.
