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Seamless payments without the hassle, cost, or complexity.
Key Features
FX Desk
Salaries for specialists (average £50,000–£80,000 annually) and proprietary software licensing (£10,000–£50,000 per year).
Treasury
Dedicated treasury teams incur costs ranging from £100,000–£500,000 annually, depending on team size and expertise level.
Manual SWIFT
SWIFT charges £10–£25 per transaction, excluding intermediary and processing fees.
Advantage
Zero fees for transfers.
Access to market leading exchange rates without the infrastructure costs.
Faster Transactions
FX desk may have timing inefficiencies due to manual trade execution and settlement delays.
Treasuries batch processing can delay payments, taking 2–5 business days.
SWIFT payments processing can delay payments, taking 2–5 business days.
Advantage
Same-day transfers, even across borders, removing bottlenecks from intermediaries.
Transparency
FX desk execution spreads range depending on expertise and access to liquidity.
Treasury internal misplacing of payments can lead to higher costs.
SWIFT payments unanticipated intermediary fees range from £5–£25 per transaction.
Advantage
Excellent exchange rates with full transparency.
No intermediary fees or hidden costs.
Market Expertise
FX desk requires real-time monitoring and market forecasting tools (£10,000–£25,000 annually).
Treasury limited to the team's knowledge, often missing short term FX opportunities.
Manual SWIFT payments no market insights, as the focus is on operational execution.
Advantage
Specialist insights and tailored market analysis offered.
Proactive support for currency risk management.
FX Desk
Costs
Hiring qualified FX traders costs £50,000–£80,000 annually.
Software systems (e.g., Bloomberg terminals) cost £20,000–£25,000 per year.
Execution
Manual execution is often less efficient compared to optimised processes.
Dinheiro Advantage
Eliminates setup costs while offering better exchange rates.
Faster execution without operational delays.
Treasury
Overheads
Salaries for treasury teams can cost (£100,000–£500,000 annually).
Process
Manual reconciliation and payment batching cause delays.
Risk
Human error and lack of real time pricing can lead to suboptimal trades.
Dinheiro Advantage
Lower costs and instant execution.
Real-time market monitoring reduces risks.
