Every currency solution your business or personal life needs.

From a single overseas transfer to a fully structured corporate hedging programme, Dinheiro has the product, the expertise, and the people to deliver.

Speak to a Relationship Manager Compare Rates
Spot Transactions
Buy currency at today's live rate and settle within two business days.
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Forward Contracts
Lock in today's exchange rate for a future payment, up to 24 months ahead.
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Regular Payments
Automate recurring international transfers on a fixed schedule.
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Limit Orders
Set a target rate and we execute your transfer automatically the moment the market reaches it.
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Mass Payments
Send payments to multiple recipients in multiple currencies in a single instruction.
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Market Orders
Set a target rate and we execute automatically the moment the market hits it.
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Spot Transactions

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. No call centre. Just a rate, agreed in seconds, from someone who knows your account.

Get a Spot Rate →

Same-day or T+2 settlement

Choose same-day (value today), next-day (value tomorrow), or standard two-day settlement depending on your urgency.

Live, transparent pricing

Rates are live and highly competitive. Your relationship manager shows you the rate, you decide. No hidden costs.

Phone or online portal

Deal directly with your relationship manager by phone, or manage everything through your secure online client portal at your own pace.

Forward Contracts

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 →

Up to 24 months forward

Fix your rate for transactions up to two years in the future, giving your business or purchase complete certainty.

Small deposit required

Forwards are entered with a small initial margin deposit, typically 5 to 10% of the contract value, with the remainder due at settlement.

Window forwards available

A window forward allows drawdown of funds at any point within a specified period, giving flexibility around exact settlement dates.

Regular Payments

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 →

Flexible scheduling

Weekly, fortnightly, monthly or custom: we accommodate any payment cadence to match your obligations.

Competitive rates every time

Each regular payment is transacted at the live market rate, not a standing rate set months ago. You always get a fair price.

Full visibility and control

View your payment history, upcoming schedules, and rate history any time through your online client portal.

More ways we can help.

Additional services available to business and personal clients on request.

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Mass Payments

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.

Enquire →
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Limit Orders

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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International Collections

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 →

Dinheiro vs your high-street bank.

The contrast is stark. See for yourself why thousands of businesses and private clients have moved their international payments to Dinheiro.

Feature Dinheiro High-Street Bank
Exchange rate Competitive Poor value
Transfer fees Zero or minimal £15 – £40 per transfer
Dedicated relationship manager Yes, named contact No, call centre only
Forward contracts Yes, up to 24 months Limited or unavailable
Settlement speed Same-day available 1 – 5 business days
Mass payments Yes, with bulk file upload Manual, one by one
Currencies supported 56+ currencies 20 – 30 currencies
Market intelligence Proactive alerts and guidance None

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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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