The best multi-currency expense app for travelers in 2026
Last updated by The EvenRound team.
Eight friends, three cities, two currencies. The shortlist of apps that actually handle this.
Most expense-splitting apps support multi-currency in name only. They convert at bank rates, recompute at settlement, or charge a markup. A handful actually do it well - snapshotting at mid-market, supporting a real range of currencies, and giving you settlement plans that don't suddenly shift when sterling moves 1%. Here's the shortlist.
What 'good multi-currency' means
Three things: (1) FX rates snapshotted at mid-market (not bank rates) at the time of expense; (2) coverage for all major and most secondary currencies (EUR, GBP, USD, JPY, CHF, SEK, NOK, DKK, CAD, AUD, NZD, plus CZK, HUF, ISK, MAD, IDR, MXN, BRL, ARS, ZAR); (3) settlement plans computed in a single 'home' currency with transparent conversions to each member's preferred currency for the actual transfer.
The contenders
EvenRound: ECB mid-market, ~50 currencies, snapshot model, free. Tricount: Bunq rates, ~30 currencies, snapshot, free. Splitwise Pro: undisclosed rate source, all currencies, live conversion, $4/month. Settle Up: bank rates, ~25 currencies, free with ads. Splid: limited multi-currency, simple UI, free.
How they perform in practice
Test scenario: 4-person Greek island trip, EUR home, GBP and USD members. EvenRound: clean snapshots, settlement in EUR, members' preferred-currency conversions for Wise/Revolut transfers. Tricount: similar but with slightly different rates (Bunq vs ECB). Splitwise Pro: live conversion at settlement created a £40 swing across one weekend. Settle Up: bank rates added 2% to overall spend invisibly.
What about cards with built-in multi-currency?
Wise multi-currency account, Revolut multi-currency, and Curve are all good for the actual money - they let you hold balances in multiple currencies and convert at near-mid-market. They're not expense-splitters though; they're FX accounts. Pair them with EvenRound for the splitting and they're a powerful combo.
Niche-currency support
If your trip involves IDR, MAD, ISK, or other less-common currencies, check before booking. EvenRound and Splitwise Pro both cover all ISO-4217 currencies. Tricount and Settle Up have gaps in less-common ones. Splid is mostly EU-currency focused.
For multi-currency group trips, EvenRound and Tricount are the cleanest free options; Splitwise Pro is fine if you don't mind the $48/year. Pick the one whose snapshotting model you trust.