Best Multi-Currency Expense Apps

A single-currency expense tracker handles someone who earns and spends in one currency their entire life. Almost no freelancer with international clients fits that description. The five apps below take genuinely different approaches to a second currency — some model it as a separate wallet with its own balance, one converts everything into a single number and calls that the answer — and the difference matters more than any feature checklist makes it look.

The real design split: separate currencies, or one converted total

Wallet by BudgetBakers, wallets built for exactly this

BudgetBakers' product page describes "full multi-currency support" that "automatically calculates real-time exchange rates," and recommends the app specifically for travelers, expats, and multi-currency households. It doesn't publish an exact currency count or numeric free-tier caps anywhere on its site, and Premium's price is shown only inside the app once you sign up, varying by region — the same page states current pricing is "always available in your User's Account in the App," not on the marketing site.

The free plan is described as being for manual tracking; Premium's headline feature is connecting more than 15,000 banking institutions, which is a separate decision from whether you need multiple currencies. If you specifically want a multi-currency wallet today with the option of a bank feed layered on top later, this is built for that transition more directly than the others here.

Toshl Finance, the most transparent exchange-rate mechanics

Toshl's own currencies page states that fresh exchange rates are fetched every hour, and that when you record a transaction in a currency other than your account's, you can accept the suggested rate or enter your own — with historical rates available back to 1999 for most currencies. That's more detail about how the conversion actually works than any other app on this page publishes. The Free plan (two accounts, two budgets) and paid Pro tier both support this; only the top Medici tier adds automatic bank sync on top, which is a separate question from currency handling. As with several apps here, Toshl's pricing page doesn't show a number — it loads based on your location — so check the current price in the app.

Spendee, multi-currency wallets with a rate check on every transaction

Spendee's pricing page confirms the free Basic plan is capped at one wallet and one budget, with no bank sync. Plus, at $1.99 a month or $14.99 a year, removes that cap entirely — unlimited wallets and budgets, and shared wallets where only the owner needs to pay. Premium, at $5.99 a month or $35.99 a year, adds bank account sync and auto-categorisation on top of everything in Plus. Each wallet can be set to its own currency, and Spendee's help centre confirms the exchange rate refreshes every 24 hours and pops up for you to accept or edit on every cross-currency transaction — genuinely useful for catching a bad rate, but worth knowing it isn't live.

If a couple or small group wants shared wallets that can each hold a different currency, Spendee is the better choice — Expensorr has no shared-wallet feature at all, only splits between people that settle into your own personal record.

Expensify, one currency per workspace, not several at once

Expensify's own documentation on setting a workspace's currency is direct about a limitation the others here don't have: each expense is recorded in the currency you spent it in and converted to the workspace's single output currency using a daily average rate from Open Exchange Rates, but a workspace can only have one output currency at a time. A freelancer billing clients in euros, pounds, and dollars either creates a separate workspace per currency or accepts everything folded into one number. The free personal account handles unlimited SmartScans without a paid workspace; Collect, the entry-level paid tier, is $5 per member a month with no annual commitment, per Expensify's pricing documentation.

This is the app to skip if keeping several currencies genuinely separate is the point — Expensify is built to converge on one number, not preserve several.

Zoho Expense, multi-currency included on the free plan

Zoho's pricing page confirms multi-currency expenses are included starting on the Free plan, alongside 20 AI-powered receipt scans per user a month for up to three users and 5 GB of receipt storage. The Standard tier raises the scan limit to 200 per user a month and adds corporate card feeds; Zoho's page renders its exact price per region through your browser rather than as static text, so check the number shown to you before assuming a figure quoted elsewhere still holds. Zoho Expense alternatives covers the wider comparison, including where its submit-and-approve shape doesn't suit a solo user.

For a very small team that wants multi-currency support without paying anything, this is the most complete free tier on this page — the trade-off is the same one every Zoho Expense comparison makes: it's shaped around an approver, even when nothing stops one person from using it alone.

Expensorr, 75 currencies with no bank feed involved

Every transaction in Expensorr can be recorded in any of 75 currencies, with exchange-rate conversion applied so a wallet's balance stays in its native currency and a transfer between wallets shows the real converted amount rather than an invisible average. That matters most doing exactly what a client-paid freelancer needs: a euro invoice stays in euros, a dollar expense stays in dollars, and nothing forces either into a single default the way Expensify's workspace currency does.

Every feature, including all 75 currencies, is free; the free plan meters only AI receipt scans and voice captures at 20 a month, and the paid tier lifts that allowance and changes nothing else. Tracking expenses in multiple currencies and Expensorr for travel both cover the wallet-per-currency approach in more practical detail.

What none of these do

None of the five other apps here, and Expensorr included, function as a currency exchange or money-transfer service — they record what a rate was at the time of a transaction, they don't move or convert your actual money. Expensorr also has no bank connection at any tier, so a multi-currency bank account still needs to be entered by scan, voice, import, or hand; if you want that account balance pulled in automatically, Wallet by BudgetBakers' or Expensify's paid tiers are the honest answer instead.

Choosing in one line

Pick Wallet by BudgetBakers if you want multi-currency wallets with the option of bank sync later, Toshl Finance if you want the most transparent exchange-rate mechanics, Spendee if you're sharing multi-currency costs with someone else, Zoho Expense if you want it free for a small team, Expensify only if converging every expense into one workspace currency is actually what you want, and Expensorr if the goal is 75 currencies kept genuinely separate with no bank feed attached to any of them. Best expense tracker apps for freelancers covers the wider field if currency handling isn't your deciding factor.

Sources, all checked on 17 September 2026: BudgetBakers' Wallet product page for its multi-currency and pricing framing; Toshl's currencies page and pricing page for its exchange-rate mechanics and plan tiers; Spendee's pricing page and help centre for its tiers and exchange-rate handling; Expensify's currency documentation and pricing documentation; and Zoho Expense's pricing page. Prices vary by region and change often — verify on the vendor's own page before you subscribe.