Dedicated relationship managers. Competitive rates across 56+ currencies. Institutional-grade solutions for businesses and private clients worldwide.
From spot transactions to structured hedging programmes, we have the expertise and the infrastructure to deliver.
Exchange currency at today's live market rate with same-day or next-day settlement. Ideal for immediate payment requirements.
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Lock in today's exchange rate for a future date, protecting your business against adverse market movements.
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Automate recurring international transfers, including payroll, supplier payments and scheduled remittances, with consistent rates.
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Pay multiple recipients across multiple currencies simultaneously via a single instruction. Built for scale.
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Set a target rate and we execute automatically when the market reaches it. No need to watch screens; we monitor for you.
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Receive payments from overseas clients in their local currency with local bank details in 30+ countries.
Learn more →Opening an account is free, takes under five minutes, and comes with no obligation to trade.
Complete our online registration form. No credit checks, no fees, and no obligation to proceed.
Our compliance team reviews your application, usually within one working day.
We may ask for a photo of your ID or supporting invoices for your foreign exchange requirements.
We confirm everything is in order before granting full account access.
Your account is live and your relationship manager will be in touch to get started.
Whether you are purchasing an overseas property, making regular transfers, or supporting family abroad, Dinheiro provides institutional-grade rates and a named relationship manager who is directly reachable by telephone.
From SMEs importing goods to multinationals managing treasury risk, we provide the tools and expertise to keep your currency costs predictable and your business competitive.
Complete the form below and a member of our team will be in touch within one business hour.
Why choose Dinheiro
Not a bank. Not a comparison site. Something better.
You deal with one person who knows your business, your currencies, and your timeline.
Banks: anonymous agent, start from scratch every time
We work on tighter spreads than any high street bank. You know your rate before you commit.
Banks: hidden margin baked into the rate
No unnecessary holding periods. Your money moves when you need it to move.
Banks: 2-5 business days, often delayed
Payment services provided by Sciopay Ltd, FCA authorised. Your funds are safeguarded at all times.
Banks: regulated but not built for FX
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.
