Best Multi-Currency Expense Tracker Apps for iPhone

Income in dollars, purchases in euros, cash in pounds: you should be able to read all of it as one spending picture. We recommend Expensa for that job. It keeps the original purchase amount, currency and saved exchange rate alongside a home-currency overview.

This guide also covers Money Manager by Orange Dog, Monefy, CoinKeeper, Money OK and Money Flow. We compare currency accounts, conversion and transaction history: the details that matter when you travel or manage money across borders.

App	Currency feature stated by its listing	Why consider it	Limit to check
Expensa	Currency-specific accounts, original and home-currency values	One view across personal UAH, EUR and PLN spending	Adding a non-base-currency transaction requires Premium
Money Manager — Orange Dog	Multiple currencies and real-time exchange rates	Quick manual entries and category reports	Historical-rate handling and plan access need confirmation
Monefy	Multi-currency and multiple accounts	Minimal entry flow across currencies	Check conversion behavior and Premium entitlement
CoinKeeper	Support for world currencies	Visual monthly budgeting with currency choice	How past rates are kept is not documented in the listing
Money OK	Currencies and multiple accounts	Straightforward expense and income records	The listing does not describe conversion rules
Money Flow — Hermann	Over 170 currencies, rates and a converter	Several currency accounts and own-account transfers	Check the actual rate used for each old entry

Expensa: keep your currencies together without losing the original amounts

Bring everyday spending and purchases abroad into Expensa. Accounts retain their own currencies, while a base-currency overview makes the spending picture easier to read. Each transaction stores the original amount, currency, converted value and exchange rate used.

Pay 120 PLN for groceries in Poland and the record remains a 120 PLN purchase, alongside the conversion saved for your home-currency view. You can check the receipt and see what the purchase means for your budget. Use your card statement to reconcile the final bank rate and any fees.

Premium unlocks spending entry in other currencies and unlimited accounts. Keep your everyday card, a euro account and travel cash in one place. The free plan includes two accounts for core tracking; Premium adds the third account and room for the rest. Pro Lifetime offers a one-time route to paid access where available; the purchase screen shows your offer.

Try Expensa: start with your current accounts, then bring the currencies you need into the same ledger with Premium.

Money Manager — Orange Dog: quick entries and current rates

The Money Manager listing from Orange Dog describes a quick transaction flow, category reports, several currencies and real-time exchange rates. It also lists reminders for regular payments and a passcode. This makes it an option if your main habit is entering expenses yourself and reviewing where they went by category while moving between currencies.

This is the Orange Dog product, not a similarly named Money Manager by another publisher. Its current-rate display helps when entering a purchase abroad; category reports help you see where the trip money went. Use the statement amount, rather than an indicative market rate, to reconcile what your card actually charged.

Monefy: a light log when entry speed matters

Monefy focuses on recording an amount quickly and reviewing expenses by category. Its description lists multi-currency support and multiple accounts, which can suit someone who wants a separate view for travel cash and a home account without building an elaborate budget. Sync through your own Google Drive or Dropbox is also advertised for use across devices.

Monefy is most attractive if recording each purchase quickly matters more than elaborate planning. For a trip, you could keep a cash account separate from your main account and review the spending by category. If home-currency reports are your deciding feature, use the two-currency check below before choosing it.

CoinKeeper: visual budgets with currency support

CoinKeeper’s classic iPhone listing offers monthly budgeting, planned income and expenses, recurring reminders and support for world currencies. The visual interface may help if you want to keep a monthly spending target in view while also recording purchases made abroad. It lists CSV export, which can be useful when you want to examine your records outside the app.

CoinKeeper is a better fit for someone who wants a visual monthly plan than for someone whose main need is moving money between currency accounts. The classic listing mentions Premium offers, so check the current plan for your workflow. Keep this app’s listing separate from the differently numbered CoinKeeper product when comparing entitlements.

Money OK: simple records and a CSV way out

Money OK lists expenses, income, budgets, multiple accounts, currencies, synchronization, recurring payments and CSV export. That makes it worth considering if you primarily need a straightforward ledger and want the option to take your data into a spreadsheet later. A separate account for each currency may make daily balances easier to inspect.

Money OK’s appeal is a plain ledger with a way to take your records out as CSV. That can suit someone who reconciles spending in a spreadsheet. CSV export is distinct from importing a bank statement; the published feature list specifies export.

Money Flow — Hermann: many currencies and own-account transfers

The Money Flow listing explicitly advertises over 170 currencies and exchange rates, a built-in currency converter, customizable accounts, flexible budgets and transfers between your own accounts. These features are relevant if your money regularly moves from one currency account to another, rather than only being spent during occasional trips. Scheduled transactions and widgets are also listed.

The converter and own-account transfer support distinguish Money Flow from a simple travel expense log. Use it when you regularly move your own funds between currency accounts and want that movement represented alongside spending. An own-account transfer is not a shared bill or a payment from another person.

Start with your accounts and a first foreign-currency purchase

Add your everyday accounts to Expensa and choose the base currency for your overview. Two accounts are included free. With Premium, add further accounts and enter a 120 PLN purchase in its original currency. Check the record and conversion to see how the workflow fits your own spending.

When moving older history, reconcile original amounts with files and receipts, and keep transfers between your own accounts separate from purchases. The table above compares the currency features advertised by other apps; our recommendation for keeping your currencies in one spending ledger is Expensa.

Keep the purchase, conversion and transfer separate

Here is an illustrative example, not a live exchange-rate quote. A €120 purchase converted at 1.10 USD per EUR is $132. A later reference rate of 1.12 would give $134.40, but it should not silently change what was recorded for that purchase. If your card settles at $135 including fees, reconcile against that settled amount instead of assuming the reference rate is the bank rate.

A transfer between two accounts you own is a different event. Moving money from a euro account to a dollar account does not itself mean you bought something twice. Keep the transfer and any actual fee separate from the merchant expense, then inspect totals in the reporting currency you intend to use. Currency entry in Expensa requires Premium when it differs from the base currency; the current App Store also offers Pro Lifetime where available.

FAQ

Is multi-currency entry free in Expensa?

Entry in the base currency is free. Adding a transaction in a different currency requires Premium; the free tier also has a two-account limit.

Does a live exchange rate match my card statement?

Not necessarily. Your card issuer may apply its own conversion rate or fees. Keep the original purchase amount and compare the final settled amount when reconciling a statement.

Can I change the home currency later?

In Expensa, new transactions use the new base currency, while older entries retain their stored original and converted values. Review how a past report is displayed before changing your long-term reporting convention.

Is CSV export the same as importing a bank statement?

No. CoinKeeper and Money OK list CSV export, which takes records out. That does not establish that either app can import a CSV file from your bank.

From the Expensa blog. Features and offers checked against the sources on 20 October 2026.