Multi-Currency Support
Curl Budget supports accounts and transactions in over 30 currencies. Whether you have a foreign bank account, travel frequently, or simply want to track spending in another currency, amounts are automatically converted to your workspace's primary currency for reports, budgets, and net worth calculations.
Setting Your Primary Currency
Your workspace has a Primary Currency that serves as the base for all aggregated views—reports, budgets, goals, and net worth. When you create a workspace, Curl Budget automatically detects your device's currency and sets it as the default.
To change your primary currency:
- Tap the gear icon (⚙️) in the top-right of the Transactions screen
- Tap Workspace to open your active workspace's settings
- Scroll to the Primary Currency section
- Tap the currency dropdown to choose from 30+ supported currencies
Tap the ? icon next to the description to learn about the exchange rate source.
Supported Currencies
Curl Budget supports 31 currencies based on European Central Bank (ECB) reference rates:
| Code | Symbol | Currency Name | Native Name |
|---|---|---|---|
| AUD | A$ | Australian Dollar | Australian Dollar |
| BGN | лв | Bulgarian Lev | Български лев |
| BRL | R$ | Brazilian Real | Real brasileiro |
| CAD | CA$ | Canadian Dollar | Canadian Dollar |
| CHF | CHF | Swiss Franc | Schweizer Franken |
| CNY | ¥ | Chinese Yuan | 人民币 |
| CZK | Kč | Czech Koruna | Česká koruna |
| DKK | kr | Danish Krone | Dansk krone |
| EUR | € | Euro | Euro |
| GBP | £ | British Pound | Pound sterling |
| HKD | HK$ | Hong Kong Dollar | 港幣 |
| HUF | Ft | Hungarian Forint | Magyar forint |
| IDR | Rp | Indonesian Rupiah | Rupiah Indonesia |
| ILS | ₪ | Israeli New Shekel | שקל חדש |
| INR | ₹ | Indian Rupee | भारतीय रुपया |
| ISK | kr | Icelandic Króna | Íslensk króna |
| JPY | ¥ | Japanese Yen | 日本円 |
| KRW | ₩ | South Korean Won | 대한민국 원 |
| MXN | MX$ | Mexican Peso | Peso mexicano |
| MYR | RM | Malaysian Ringgit | Ringgit Malaysia |
| NOK | kr | Norwegian Krone | Norsk krone |
| NZD | NZ$ | New Zealand Dollar | New Zealand Dollar |
| PHP | ₱ | Philippine Peso | Piso ng Pilipinas |
| PLN | zł | Polish Zloty | Złoty polski |
| RON | lei | Romanian Leu | Leu românesc |
| SEK | kr | Swedish Krona | Svensk krona |
| SGD | S$ | Singapore Dollar | Singapore Dollar |
| THB | ฿ | Thai Baht | บาทไทย |
| TRY | ₺ | Turkish Lira | Türk lirası |
| USD | $ | US Dollar | US Dollar |
| ZAR | R | South African Rand | Suid-Afrikaanse rand |
Transactions in Foreign Currencies
Manual Transactions
When creating or editing a manual transaction, you can choose any supported currency:
- Tap the currency symbol (e.g., $) next to the amount field
- Select the desired currency from the full-screen picker
- Enter the amount in that currency
The currency selector appears as a compact symbol with a dropdown chevron in the amount field. When you change the currency, Curl Budget will automatically suggest an account that matches the selected currency if one exists.
Synced Transactions (Plaid)
Transactions from connected bank accounts automatically inherit the correct currency. If you connect a foreign bank account through Plaid, all transactions from that account will be in the account's currency. Multi-currency accounts (like Wise or Revolut) may report individual transactions in different currencies.
Apple Transactions
For Apple-connected accounts, transactions are reported in your account's home currency. When you make a purchase in a foreign currency, the transaction detail shows supplementary information:
- Original amount in the foreign currency
- Converted amount in your account currency
- Exchange rate used by Apple (e.g., "1 EUR = 1.1000 USD")
This information appears automatically on any transaction where Apple provides foreign currency data.
Viewing Converted Amounts
When a transaction's currency differs from your workspace's primary currency, the transaction detail screen shows the approximate converted amount below the main amount:
~$72.10 USD
The tilde (~) indicates this is an approximate conversion using ECB reference rates. Tap the ? icon next to the converted amount to see the exchange rate disclaimer.
This converted amount appears in both the editable view (for manual transactions) and the read-only view (for synced transactions).
Manual Account Currency
When you create a manual account, you can choose its currency from the same list of supported currencies. The currency defaults to your workspace's primary currency, so if your workspace is set to EUR, new manual accounts will default to EUR.
The account's currency determines the default currency for transactions posted to that account. You can override the currency on individual manual transactions using the currency selector in the amount field.
Foreign Currency Accounts
Accounts in a foreign currency show their balance in the original currency on the accounts screen. A converted balance in your primary currency appears below in smaller text, prefixed with a tilde:
~$4,160.00
This gives you a quick sense of the account's value in your primary currency without leaving the accounts list.
How Exchange Rates Work
Rate Source
Curl Budget uses European Central Bank (ECB) reference rates provided through the Frankfurter API. These rates are updated once daily on ECB business days (weekdays, excluding ECB holidays).
Conversion Method
All exchange rates are stored relative to USD as a reference currency. To convert between any two currencies (e.g., GBP to CAD), the system uses USD as an intermediary—a process called triangulation. This means every supported currency pair can be converted without needing direct exchange rate data for every combination.
Important Limitations
ECB reference rates are indicative rates intended for informational purposes. They may differ from the rates your bank actually applies due to:
- Timing differences: ECB rates are published once per day, while market rates fluctuate continuously
- Bank fees and markup: Financial institutions typically add a spread to the mid-market rate
- Weekend and holiday gaps: When ECB doesn't publish rates, the most recent available rate is used
The converted amounts shown in Curl Budget should be treated as approximations for budgeting and tracking purposes, not as exact financial calculations.
Reports and Budgets
All aggregated financial views automatically convert foreign currency amounts to your primary currency:
- Cash Flow reports: Income and expenses from all currencies are summed in your primary currency
- Explorer: Transactions are grouped and totaled in your primary currency, regardless of their original currency
- Budgets: Spending against budgets is calculated in your primary currency
- Goals: Progress toward savings goals includes converted balances from foreign currency accounts
- Net Worth: All account balances are converted and summed in your primary currency
If an exchange rate is unavailable for a particular date, the transaction or balance will be excluded from the converted total rather than showing an incorrect value.
Current Limitations
Retirement Planning does not yet support multi-currency or international retirement frameworks. See the Retirement Planning docs for details on current US-centric assumptions and workarounds.
Related Features
- Manual Accounts — Create accounts in any supported currency
- Manual Transactions — Add transactions with a currency selector
- Explorer — View spending across currencies in one view
- Cash Flow Report — See income and expenses converted to your primary currency