# Best Multi-Currency Expense Apps

> For genuine multi-currency tracking, Spendee and Wallet by BudgetBakers handle wallets in different currencies with conversion built in, Toshl Finance adds hourly exchange rates, Zoho Expense covers it free for small teams, Expensify converts everything to one workspace default rather than keeping currencies separate, and Expensorr records natively in 75 currencies with no bank connection involved.

## Key takeaways

- Expensify converts every expense to one workspace default currency — a freelancer billing clients in several currencies needs a separate workspace per currency to keep them apart.
- Spendee's exchange rate refreshes once every 24 hours, not live, and prompts you to accept or edit it on every cross-currency transaction.
- Toshl Finance refreshes exchange rates hourly and keeps historical rates back to 1999, but its subscription price isn't published on its own site.
- Zoho Expense includes multi-currency expenses on its free plan for up to three users, alongside 20 receipt scans per user a month.
- Expensorr records transactions natively in 75 currencies with exchange-rate conversion, free on every tier.

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

**Which multi-currency approach fits**

Do you need to see each currency's balance separately, or just one converted total?

- I need every client paid in a different currency, kept apart → Expensorr — Records each transaction in its own currency, no single default to reconcile
- I want bank accounts in different currencies synced automatically eventually → Wallet by BudgetBakers — Multi-currency wallets now, bank sync as a paid upgrade later
- I share currency-mixed costs with a partner or group → Spendee — Shared wallets that can each hold a different currency

| | Currency handling | Free tier | Paid tier | Built for |
|---|---|---|---|---|
| **Wallet by BudgetBakers** | Multi-currency wallets, real-time-labelled exchange rates (exact rate refresh not published) | Manual tracking (no numeric caps published) | Not published on its own site — shown in the app | Multi-currency households and travelers |
| **Toshl Finance** | Hourly exchange-rate refresh, historical rates back to 1999 | 2 accounts, 2 budgets | Not published on its own site — shown in the app | Manual tracking with real rate history |
| **Spendee** | Per-wallet currency, exchange rate refreshed every 24 hours, editable on each transaction | 1 wallet, 1 budget, no bank sync | $1.99/mo or $14.99/yr (Plus); $5.99/mo or $35.99/yr (Premium, adds bank sync) | Shared, multi-currency wallets |
| **Expensify** | One converted output currency per workspace, daily average rate | Unlimited SmartScans, one personal policy | $5/mo per member (Collect) | Client-reimbursed expenses, single currency per workspace |
| **Zoho Expense** | Multi-currency expenses included from the free plan | Up to 3 users, 20 scans/user/mo, 5 GB storage | Standard, price shown on Zoho's own pricing page (renders per region — check before subscribing) | Small teams with an approver |
| **Expensorr** | 75 currencies, exchange-rate conversion, no bank connection | Every currency free; 20 AI captures/mo metered | None — free stays free | Personal multi-currency records |

## Wallet by BudgetBakers, wallets built for exactly this

BudgetBakers' [product page](https://budgetbakers.com/en/products/wallet/) 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](https://toshl.com/currencies/) 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](https://toshl.com/pricing/) 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](https://www.spendee.com/pricing) 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](https://help.spendee.com/article/231-how-to-setchange-the-currency-and-exchange-rate) 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.

**Spendee's paid tiers, per month**

- Spendee Plus: $1.99/mo — Unlimited wallets, no bank sync
- Spendee Premium: $5.99/mo — Adds bank sync

Source: [Spendee pricing page, checked 17 September 2026](https://www.spendee.com/pricing)

**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](https://help.expensify.com/articles/expensify-classic/workspaces/Set-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](https://help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing).

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](https://www.zoho.com/us/expense/pricing/) 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](/compare/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.

**How Expensorr keeps multi-currency records accurate**

1. Record the transaction in its native currency — A euro invoice or a dollar expense keeps its own currency, not a converted estimate
2. Convert only when money actually moves between wallets — A transfer between currencies shows the real rate as its own recorded transaction
3. Read each wallet's balance in its own currency — Matches what your bank or card statement shows, with nothing folded together

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](/guides/track-expenses-in-multiple-currencies) and [Expensorr for travel](/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](/compare/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](https://budgetbakers.com/en/products/wallet/) for its multi-currency and pricing framing; [Toshl's currencies page](https://toshl.com/currencies/) and [pricing page](https://toshl.com/pricing/) for its exchange-rate mechanics and plan tiers; [Spendee's pricing page](https://www.spendee.com/pricing) and [help centre](https://help.spendee.com/article/231-how-to-setchange-the-currency-and-exchange-rate) for its tiers and exchange-rate handling; [Expensify's currency documentation](https://help.expensify.com/articles/expensify-classic/workspaces/Set-Currency) and [pricing documentation](https://help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing); and [Zoho Expense's pricing page](https://www.zoho.com/us/expense/pricing/). Prices vary by region and change often — verify on the vendor's own page before you subscribe.

## Frequently asked questions

**What is the best expense app for tracking multiple currencies?**

It depends on whether you need separate currency balances or just occasional conversion. Spendee and Wallet by BudgetBakers are built around multi-currency wallets, Toshl Finance adds real exchange-rate history, Zoho Expense covers it free for small teams, and Expensorr records natively in 75 currencies without a bank connection. Expensify is the odd one out — it converts everything to one workspace default rather than keeping currencies distinct.

**Does Expensify support multiple currencies?**

Each expense is recorded in the currency you spent it in and converted using a daily average rate, but a single workspace can only have one output currency at a time. A freelancer or company genuinely working in several currencies needs a separate workspace per currency, per Expensify's own documentation — it isn't a single multi-currency ledger the way a dedicated wallet-based app is.

**Are exchange rates in these apps live or delayed?**

It varies by app and none claim true real-time rates. Toshl Finance refreshes hourly and lets you accept or override the suggested rate. Spendee refreshes every 24 hours and prompts you on each cross-currency transaction. Expensify uses a daily average from Open Exchange Rates. Expensorr converts using the rate at the time you record the transaction. None of these should be treated as a trading-grade feed — they're for records, not settlement.

**Is there a free multi-currency expense tracker?**

Zoho Expense's free plan covers up to three users with multi-currency expenses included. Spendee's free Basic plan supports one wallet, which can be set to any single currency but doesn't hold several at once — multiple wallets need the Plus plan at $1.99 a month. Expensorr's free plan includes all 75 currencies, with only AI receipt scans and voice captures metered.

**Why would a freelancer need multi-currency tracking specifically?**

Getting paid in one currency while spending in another — a euro-based client paying into a dollar account, or working from a country whose currency differs from your invoicing currency — means a single-currency tracker either forces everything into one number that doesn't match your bank, or silently drops the distinction. A wallet-per-currency model keeps each balance real and shows conversions as an actual transaction with a rate, not an invisible adjustment.

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Source: https://expensorr.com/compare/best-multi-currency-expense-apps
Published: 2026-09-17