快速答案
dinheiro 泛指钱；moeda 指硬币或官方货币。
可靠的方法是先判断这个词在句子里的功能，再翻译。
每个词的作用
dinheiro
money
Use dinheiro for money in general or cash as a payment method.
moeda
coin or currency
Use moeda for a metal coin or the monetary unit used by a country.
如何选择
- dinheiro: Choose dinheiro if the sentence points to money in general or cash as a payment method.
- moeda: Choose moeda if the sentence points to a metal coin or the monetary unit used by a country.
例句
Não tenho dinheiro em espécie.
I do not have cash.
O real é a moeda do Brasil.
The real is Brazil’s currency.
常见误区
Moeda can name the system as well as a physical coin, but it does not replace dinheiro in ordinary statements about having money.
放到语境中练习
从你的真实生活中选一个句子，写两遍：一次用 dinheiro，一次用 moeda。如果两个版本都可以，说明意思怎样变化。