A multi-currency expense tracker that doesn't pretend the world is one currency.
If you bill US clients in dollars, pay your team in rupees, and book hotels in dirhams, you don't want a tool that flattens it all to one currency at signup and forgets the rest. You want a tool that stores each transaction in its native currency, knows the FX rate that applied on the day it happened, and lets you flip between viewing the books in any of them. That's how Expensely's multi-currency works — built for international operators, freelancers exporting services, agencies with overseas clients, and Pakistani founders running USD revenue on a PKR cost base.
How it works
Every transaction has two fields: the native amount and the native currency. We never store "converted" values as the source of truth. When you view a report, the FX engine converts on demand, using the rate from the transaction date. This means historical totals don't drift when FX moves: a USD 100 lunch in March stays USD 100, but its PKR-equivalent in your March-1 dashboard reflects March-1's rate.
Supported currencies
60+ supported, including but not limited to:
| Region | Currencies |
|---|---|
| South Asia | PKR, INR, BDT, LKR, NPR |
| North America | USD, CAD, MXN |
| Europe | EUR, GBP, CHF, SEK, NOK, DKK, PLN |
| Middle East | AED, SAR, QAR, KWD, BHD, OMR, JOD |
| East Asia | JPY, CNY, KRW, HKD, SGD, TWD |
| Africa | ZAR, NGN, KES, GHS, EGP, MAD |
| Oceania | AUD, NZD |
| Other | TRY, RUB, BRL, ARS, CLP, IDR, PHP, VND |
Use cases
The Pakistani freelancer with US clients
Hassan bills Upwork in USD, gets paid into a Wise USD account, transfers some to a local PKR account monthly. Local expenses (fuel, lunch, coworking, internet) are in PKR. He sets PKR as his home currency, sees income in USD with PKR-equivalent at the day it landed, and gets accurate "effective hourly rate in PKR" insights.
The agency with multi-country team
An agency in Karachi has contractors in Lahore (PKR), Dubai (AED) and London (GBP). The workspace reporting currency is USD. Each contractor logs expenses in their local currency; the dashboard shows the consolidated burn in USD without anyone having to do mental math.
The traveler
Faisal's monthly travel covers KHI–DXB–LHR. Hotel in AED, taxi in AED, breakfast in AED, then flight, then GBP costs in London. Each transaction logs in its native currency. The trip-tagged report rolls it all up into PKR for his quarterly review.
The remote employee paid in USD
Many Roshan Digital Account holders work remotely for foreign companies. Income is USD, monthly bills are PKR. Expensely tracks both sides, gives you a clean monthly summary in PKR for your accountant and one in USD for your own savings tracking.
What about FX accuracy?
By default, we use mid-market rates. The real rate you pay at the till or on a card has a spread vs mid-market. For high-stakes transactions, you can pin a custom rate per transaction (e.g. the rate Wise charged you, or the rate your card statement showed). Reports then use your pinned rate, not mid-market.
Related features
- OCR receipts — auto-detects currency from the receipt.
- Voice entry — say "dollars" or "dirhams" or "rupees" naturally.
- AI insights — insights normalised to your home currency.
- Pakistan-specific — PKR-first defaults.
Frequently asked
Which currencies are supported?
60+ including PKR, USD, GBP, EUR, AED, SAR, INR, JPY, CNY, AUD, CAD, TRY, ZAR, NGN, KES and most major and emerging-market currencies.
Where do the FX rates come from?
We aggregate live rates from multiple market data sources, mid-market. You can also pin a custom rate per transaction if you want to record the exact rate you actually paid.
How are historical transactions handled?
Each transaction is stored in the currency it occurred in. The reporting layer converts on the fly using the rate from the transaction date — not today’s rate.
Can I have multiple home currencies?
On Team plans, yes — each workspace member can have a personal home currency for personal views, while the workspace has a single reporting currency for company-level reports.
Does multi-currency work on the Free plan?
Yes, full multi-currency with live FX is included on every plan, including Free. We don’t gate it.
Will it handle crypto?
Stablecoins (USDT, USDC) yes, treated like USD with a custom rate option. Volatile crypto (BTC, ETH) is in beta on Team plans.
Try it with two currencies
The free plan supports unlimited currencies. Log a PKR expense and a USD expense; toggle reporting between them. See if the FX matches your mental model.
Start free — no card