Preserve the original transaction currency
A transaction should retain the currency in which it occurred. This makes the ledger auditable and avoids silently treating unlike amounts as equivalent.
Use a home currency for planning
A home currency provides a common view for budgets and totals. Stash supports manual exchange rates and an optional online rate refresh. Online refresh is consent-based and requests public rate data without sending transaction amounts or merchant details.
Treat converted amounts as estimates
Budget conversions can differ from card-network, bank or cash-exchange rates and may change over time. Stash uses them for planning, not settlement, accounting or trading.
Common questions
- Who benefits from a multi-currency budget?
- Expats, travelers, remote workers and households with income, accounts or expenses in more than one currency.
- Are converted amounts exact?
- No. They are budgeting estimates and can differ from the final rate applied by a financial institution.
- Can exchange rates be entered manually?
- Yes. Manual rates remain available; optional online refresh requires consent.