Dedicated relationship managers. Competitive rates across 56+ currencies. Institutional-grade solutions for businesses and private clients worldwide.
Dinheiro was founded on the belief that businesses and private clients deserve better than the opaque pricing and impersonal service offered by high-street banks.
We combine institutional-grade market access with the personal attention of a dedicated relationship manager, giving every client the rates and service they deserve, regardless of transaction size.
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Every client is assigned a dedicated relationship manager who understands your currency needs, timeline, and risk appetite.
No hidden fees. No surprise charges. Your rate is agreed upfront, and that is the rate you get.
Payment services are provided by Sciopay Ltd, authorised by the FCA. Your funds are safeguarded in segregated client accounts.
Same-day and next-day settlement options across all major currencies with our global banking network.
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 takes minutes. From there, your dedicated relationship manager guides you through every transaction.
Complete our secure online application in under 5 minutes. No paperwork, no branch visits.
A named account manager contacts you to understand your currency needs and objectives.
Receive a live, competitive rate from your relationship manager. Accept it and confirm your trade instantly.
Send us your funds and we deliver to your beneficiary, same-day or next-day, globally.
Whether you are buying an overseas property, making regular transfers, or supporting family abroad, Dinheiro gives you bank-beating rates and a relationship manager who picks up the phone.
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.
Instant settlement