Finthy supports 54 currencies. You can hold accounts in several at once, on any plan, and every total is converted into your default currency so it adds up to one figure.
The 54
Americas: USD, CAD, MXN, BRL, ARS, CLP, COP, PEN, UYU, PYG, CRC, GTQ, HNL, NIO, PAB, DOP, JMD, TTD, BBD, BZD, XCD, AWG, BMD, KYD.
Europe: EUR, GBP, CHF, NOK, SEK, DKK, PLN, CZK, HUF, RUB, TRY.
Asia Pacific: JPY, CNY, HKD, SGD, TWD, KRW, INR, THB, MYR, IDR, PHP, VND, AUD, NZD.
Middle East and Africa: AED, SAR, ILS, EGP, ZAR.
The Caribbean and Central American currencies in that first group are easy to miss and often what someone is looking for.
Two lists, not one
This catches people out, so it is worth stating plainly:
- Your default currency can be any of the 54.
- A manual account’s currency is chosen from a shorter list of 11: MXN, USD, EUR, CLP, COP, PEN, BRL, ARS, GBP, CHF and CAD.
So a currency can be your default, and every total can be shown in it, while not yet being assignable to a new account you create by hand.
How conversion works
Each account and each transaction keeps its own currency. Nothing is rewritten. What Finthy converts is the presentation: totals, net worth, reports and the converted-amount column in an export.
Conversion uses the rate for the relevant date, not today’s. A transaction from March is converted at March’s rate. This is what makes a multi-currency history add up correctly rather than drifting every time the market moves.
Rates are stored as a daily history, refreshed once a day in the early hours UTC.
When a day’s rate is missing
A rate source does not publish every day, and sometimes it is late. Finthy handles this without failing:
- If a given day has no stored rate, it falls back to the nearest earlier day.
- If the gap grows past a week, the last known rate is carried forward so conversions keep working.
The practical consequence: a conversion is never blocked by a missing rate, but a figure can be based on a slightly older rate than you expect. For a weekend or a holiday that is normal and the difference is immaterial.
Display
Amounts are formatted for their currency, with the symbol and the decimal places that currency actually uses. A currency with no minor unit is shown without decimals rather than with two meaningless zeroes.
Good to know
- Multi-currency is free on every plan. Holding accounts in several currencies and changing your default are not paid features.
- A budget keeps its own currency, so a budget in one currency reports its limit, spend and alerts in that currency rather than your default.
- If you pick a currency the bank does not usually hold, Finthy says so when you create the account and still lets you continue.