One account, several currencies
An account is one place your money is kept, such as a bank account, a card, a cash wallet or a loan. It can hold several currencies, each with its own balance, so a bank account with a lari and a dollar side is one account with two balances, not two accounts you have to keep in step.
To start using another currency, add it to the account. The currencies already there are never converted, and past amounts stay exactly as you recorded them.
Every amount stays in the currency you spent it in
An expense paid in euros is stored in euros, and an income received in dollars is stored in dollars. Your balance in each currency can be checked against your bank's figure, with no rounding from a conversion in between.
Exchanges between currencies
Moving money from one currency to another is a transfer with two amounts, the one that left and the one that arrived. The rate your bank or exchange office actually gave you is recorded, so the fee hidden in it is not lost.
If you only know one of the amounts, the transfer form offers to fill in the other at the market rate for that day, and you can correct it.
One total in your default currency
Each transaction is also converted to your default currency at the exchange rate of the day it happened. Budgets, the dashboard, financial statements and net worth add these converted amounts up, so you see one picture across every currency.
A past transaction keeps the rate of its own day, not today's. Last spring's spending does not change because the dollar moved this week.
Where the rates come from
Rates come from Open Exchange Rates and are kept for each date, so a total for any past month is worked out with the rates of that month.
Budgets across currencies
A budget line can be planned in the currency you actually pay that bill in, such as rent in lari or a subscription in dollars, so the plan does not drift when the exchange rate moves.
Made for expats and people who live between countries
If you are paid in one currency, spend in another and keep savings in a third, most budget apps make you pick one and convert everything by hand. Here each account keeps its own currencies, and the totals follow your default currency, which you can change at any time.
Which plan includes it
Every plan includes multi-currency accounts, transfers and totals, the free plan too.