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Multi-currency

Trade in 40+ currencies, your books stay in one.

Every transaction keeps its source currency and converts to your base rate at the date. FX gain and loss handled without a spreadsheet.

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accounts-os.com/transactions
Multi-CurrencyLive
What did that USD invoice actually land as?
F$5,200 locked at £4,082 on the invoice date. £18 FX loss booked on payment.
FFinn locked the rate at invoice date, not payment date.
Live

In short

AccountsOS supports 40+ currencies on every transaction, invoice, bill, expense and bank feed. The source currency is captured and converted to your base currency (GBP by default, or whatever your trading entity uses) at the date's exchange rate. Realised FX gain/loss is handled automatically when payments settle in a different currency than billed.

40+
Currencies
Date-locked
FX rate
Auto
Gain/loss

Everything it does

Currencies supported (40+)

  • Major: GBP, USD, EUR, JPY, CHF, CAD, AUD, NZD
  • Asia: SGD, HKD, INR, THB, MYR, PHP, IDR, KRW, CNY, TWD
  • Middle East: AED, SAR, ILS, TRY
  • Europe: SEK, NOK, DKK, PLN, CZK, HUF, BGN, RON, ISK
  • Latin America: BRL, MXN, ARS, CLP, COP
  • Africa: ZAR, NGN, KES, EGP, MAD
  • All updated against ECB / BOE reference rates

How conversion works

  • Each transaction stores the source currency and amount
  • Converts to base currency at the transaction date's rate
  • Both source and base values shown in reports
  • Re-conversion on demand if rate provider updates

Multi-currency invoicing

  • Invoice in any of 40+ currencies
  • FX locked at invoice date so the GBP value never drifts
  • When payment lands in a different currency, realised gain/loss recognised
  • Customer pays in their currency, you book in yours

Multi-currency bank feeds

  • Wise Business: every wallet, every currency
  • Stripe: multi-currency charges and payouts
  • Mercury: USD primary
  • CSV / PDF imports detect source currency

Capabilities at a glance

40+ currencies on every transaction type

Per-entity base currency (set once at entity creation)

FX-locked at invoice / bill / expense date

Realised gain/loss booked at settlement

Wise, Stripe, Mercury multi-currency feeds

Reports consolidated to base currency

Both source and base values shown side by side

ECB / BOE reference rates

How It Works

1

Set your base currency

Per trading entity. UK Ltd → GBP. US LLC → USD. UAE LLC → AED.

2

Transact in any currency

Issue an invoice in EUR. Pay a bill in USD. Capture a receipt in JPY.

3

FX captured at date

We grab the rate at the transaction date and store both source and base amounts.

4

Settle in any currency

When payment lands in a different currency than billed, realised gain/loss is booked automatically.

By the numbers

Per-entity
Base currency
GBP, USD, EUR, AED: your choice
Wise
Native
Multi-currency feed handled live
Realised
FX gain/loss
Booked when settlement happens

Real-world Use Cases

UK Ltd selling to US enterprise

Invoice in USD, customer pays via Wise, the GBP equivalent is FX-locked at invoice date, any difference at settlement is realised gain/loss.

Multi-currency Stripe

Stripe captures charges in customer's currency. Payouts arrive in your base currency. We reconcile the FX automatically.

International contractors

Pay an Indian contractor in INR. Bill posted in INR, base-currency equivalent at date, FX gain/loss when the bank transfer settles.

Plays nicely with

Wise Business

Live

Native multi-currency wallet sync.

Stripe

Live

Multi-currency charges + payouts.

Mercury

Live

USD primary banking.

ECB / BOE

Live

Reference rates for FX conversion.

Why founders pick this over the spreadsheet

Stop maintaining FX spreadsheets

Reports in your base currency without manual consolidation

Realised gain/loss handled automatically (audit-ready)

Per-entity base currency means multi-jurisdiction is clean

Frequently Asked Questions

Which currencies do you support?

40+: every major currency plus most second-tier currencies. If you have a currency we don't list, ask and we'll add it within a day.

What FX rate source do you use?

ECB or Bank of England reference rates depending on the currency pair. Captured at the transaction date so reports are stable.

What about realised FX gain/loss?

When a payment settles in a different currency than billed, we book the realised gain/loss to a dedicated GL account. Audit-ready and visible on the P&L.

Can I have a non-GBP base currency?

Yes. Per-entity base currency. UK Ltd uses GBP, your US LLC uses USD, your UAE LLC uses AED. All run in one login.

How do multi-currency invoices work?

Issue in any currency. FX locked at invoice date so the base-currency value doesn't drift. When payment lands in a different currency, realised gain/loss is booked.

Does Wise Business work?

Yes. Native integration. Each currency wallet feeds in independently and reconciles in your base currency.

Explore more of AccountsOS

International Tax

UK-deep. International-aware. Run a Ltd, an LLC and a free-zone company side-by-side.

Multiple Trading Entities

Run multiple businesses without paying for multiple accounting subscriptions.

Invoicing

Issue, send, track and get paid, without lifting a finger after the first invoice.

Bank Statement Import

Drop a CSV or PDF from any UK bank: we read it. No template setup.

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