HiBill supports 38 currencies, and currency is set per transaction rather than per account. A trip naturally produces mixed-currency history with no mode switching.
Balances stay separate
If you owe someone in two currencies, you see two figures:
You owe Marco €40.00 £15.00
HiBill does not combine these into one number. This is a deliberate choice, not a missing feature.
Why we don't convert
Converting requires picking an exchange rate, and every available answer is contestable:
Which day? The date of each expense, or today? If today's, the amount someone owes changes overnight while nobody does anything.
Whose rate? Mid-market, or the worse one the card actually paid?
What about settlement day? They will pay at a fourth rate, on a date nobody can know yet.
Each produces a different total. The app would display one, confidently, with no visible reasoning — and now two friends have a number neither can reproduce.
Keeping them separate means both figures are checkable facts. Two things happened in two units, and that is what you see.
Settling across currencies
Two options:
Settle each separately. Record a euro transfer for the euros and a pound transfer for the pounds. Clean, and each balance zeroes out.
Agree a rate between yourselves. "Call it 70 euros and we're square" is a perfectly good settlement. Record what you actually agreed as a transfer. HiBill records the agreement; it does not invent one.
Both are normal. The second is common at the end of a trip.
Currency on a transaction
Pick the currency when creating the transaction — the one the money was actually spent in. A dinner in Lisbon is a euro transaction even if your account is mostly pounds.
Receipt scanning detects currency from the receipt itself, which is the most useful place for it to be automatic.
Precision
Amounts are stored as whole minor units — cents, pence — not floating point. Splits are rounded so shares always add up to the total exactly. You will not find a stray cent after enough additions.
The trade-off
You do not get a single "total owed" figure across currencies. If you want one number at the top of the screen, this will disappoint you.
We think verifiable numbers are worth a slightly less tidy screen. A figure derived from a rate neither person chose is a good way to start the argument the app exists to prevent.