See exactly how much you could save with Dinheiro.

Banks and online platforms profit from the exchange rate they quote you. We show you exactly what you get, and what you would lose elsewhere.

Get a Live Rate Speak to a Relationship Manager
The scale of the problem
£26.4 billion
lost by UK businesses and individuals to bank foreign exchange costs every year, built quietly into the exchange rate you are quoted.
What Dinheiro clients actually save
Property Purchase
Buying a home in southern France
£380,000 transferred
saved vs bank
+£11,400
Business Payments
SME paying EU suppliers monthly
£60,000/month
saved per year
+£21,600
Relocation
Moving to Dubai, transferring life savings
£210,000 transferred
saved vs bank
+£6,300
Regular Remittance
Supporting family abroad every month
£3,000/month
saved per year
+£1,080
Based on typical savings vs a bank exchange rate Calculate yours ↓

Compare rates in real time.

Enter an amount, pick your currencies, and see exactly how much more you keep with Dinheiro versus a typical high-street bank.

You send
GBP
Recipient gets
EUR
114,941.85
1,000250,000500,000750,0001,000,000
Interbank rate LOADING
Loading…
Dinheiro
114,941.85
recipient receives
Dinheiro rate
High-Street Bank
111,039.05
recipient receives
Bank rate
You save with Dinheiro
vs a typical bank exchange rate
+£3,500
Speak to a Relationship Manager →

Where does your money actually go?

Every £100,000 you send, here is how much of it reaches your recipient.

Dinheiro 99.5% reaches recipient
€114,941
fee
Recipient gets
Dinheiro fee
High-street bank 96.5% reaches recipient
€111,039
Recipient gets
Bank's cost (built into rate)

Banks build their profit directly into the exchange rate. You never see it as a separate fee line, which is why most people do not realise how much they are losing.

Savings at a glance

How much more EUR your recipient gets with Dinheiro vs a bank.

You send Dinheiro Bank You save

Indicative rates for illustration. Actual rates vary by currency pair, volume, and market conditions.

The real cost of sending money through your bank.

Most people assume their bank charges a flat transfer fee. The reality is far more costly. Banks build their profit directly into the exchange rate before they quote you, a cost that is invisible unless you know where to look.

On a £100,000 transfer, the difference between a bank rate and a Dinheiro rate can be thousands of pounds in your pocket, or your beneficiary's.

Speak to a Relationship Manager →

The cost is invisible

Banks build their profit into the exchange rate itself. You never see a line item for it. You simply receive fewer euros, dollars or dirhams than you should.

It compounds over time

For businesses or individuals making regular transfers, the difference between a bank rate and a Dinheiro rate compounds significantly. Over a year of monthly transfers, the gap can run into tens of thousands.

We show you everything upfront

At Dinheiro, your relationship manager tells you the rate and exactly what your beneficiary will receive, before you commit. No surprises.

Dinheiro vs the alternatives.

Not all foreign exchange providers are equal. Here is how Dinheiro compares to the most common alternatives on the market.

Feature Dinheiro High-Street Bank Online Platform
Exchange rate Competitive Poor value Variable
Dedicated relationship manager Yes, named contact No No
Forward contracts Yes, up to 24 months Limited Limited
Currency options Yes Rarely No
Mass payments Yes, with bulk file upload Manual Basic
Market intelligence Proactive alerts None None
Regulatory status FCA Regulated (Sciopay) FCA Regulated Varies

Rates and margins shown are indicative. Actual rates vary by provider, transaction size, and market conditions. Dinheiro rates are based on typical client experience.

Questions about exchange rates.

The rate you see on Google or financial news sites reflects the wholesale rate at which banks trade with each other. The rate your bank quotes you is adjusted to include their profit, which is why you always receive fewer euros, dollars or dirhams than the headline rate suggests. At Dinheiro, we offer highly competitive rates that keep more of your money in your pocket.

We earn a small amount on each transaction through our exchange rate. Because we specialise exclusively in foreign exchange and payments, unlike banks which offer dozens of products, we can operate more efficiently and offer far more competitive rates. You get a better deal; we build a business on volume and long-term client relationships.

Your relationship manager tells you exactly what rate we are offering you before you commit. You can also check live exchange rates on sites such as xe.com or Google Finance at the time of your transaction to see how competitive we are. We welcome that comparison, as it is part of how we build trust with clients.

No. Once you verbally or electronically accept a rate from your relationship manager, it is locked in for a specified period (typically two hours for a spot trade). If you need longer certainty, a forward contract fixes the rate for the date of your choice, up to 24 months in advance.

For most clients and most transactions, there are no additional transfer fees. For very small transactions or certain corridors, a nominal fee may apply. Your specialist will always disclose this upfront before you commit to a trade.

Get your live rate now

Speak to a specialist and receive a real, competitive rate within minutes. No obligation.

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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.

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