Multi-Currency Subscription Tracker for Expats
App Comparisons · The Subgrove Team · · Updated · 5 min read
A multi-currency subscription tracker lets you record each subscription in the currency it actually bills in (Netflix in euros, Spotify in pounds, a SaaS tool in dollars) and see what you owe in each currency, without a bank-linked app guessing at conversions. The most popular trackers can't do this, because they're built on bank connections that only work in one or two countries. Below: why that is, what expats and digital nomads specifically run into, and what to look for in a subscription tracker for multiple currencies.
Why Bank-Linked Apps Break Across Borders
The best-known trackers read your bank feed to find recurring charges. That works for a one-country, one-currency household. Check what the vendors themselves say about anything else:
- Rocket Money is "only available to users located within the United States and with U.S. based banks."
- Copilot says "we only support US financial institutions" and "Copilot only supports USD and does not convert foreign currency transactions."
- Monarch works in the US and Canada, but its currency article says "the app does not differentiate between currencies behind the scenes and does not perform any currency conversion," and recommends connecting only USD or CAD accounts.
- YNAB lets you pick one currency, but per its pricing FAQ, "you can't use multiple currencies together in a single spending plan."
Even where a bank feed does connect, it records what your bank charged, not what the subscription costs. A €12.99 plan paid with a US card arrives as a dollar amount at the bank's exchange rate, often with a foreign transaction fee on top, and the figure changes every month though the price didn't.
Subscriptions in Two Countries: What Expats and Digital Nomads Run Into
The single-currency problem is the easy part. Living across borders creates messier ones:
- Home-country services you keep abroad. You moved to Lisbon but kept your UK phone plan, a British newspaper and a US cloud backup. Each still bills in its home currency, to a card from that country, on its own date. None of it shows up in a Portuguese bank feed.
- Two banks, two statements, one person. Your salary lands in euros while some subscriptions still hit your old dollar account. A bank-linked app supports, at best, one of those banks.
- App-store accounts tied to a country. Apple's guide to changing your Apple Account country or region says "You must also cancel any subscriptions that block a country or region change." On Android, Google Play says you "must be in that location and have a payment method from the new country or region," and must wait at least 90 days between country changes. Moving often means some subscriptions end and restart in a new currency.
- Streaming accounts that follow your card. Spotify's country settings page says that to change country "you may also need to update your payment method to one that's issued there." Netflix notes that outside the country you signed up in, "Choices for streaming and downloading… vary by country." Some people keep a home-country plan for exactly that reason, so it keeps billing in the old currency.
- Nomads with no fixed base. If you change country every few months, there's no single "home bank" for an app to link, and your list is the only stable thing.
What helps in every case is the same: a list you control, where each subscription keeps its own currency, card and renewal date, and reminders that reach you wherever you are.
What to Look For in a Tracker for Multiple Currencies
- Each subscription stored in its own currency. A €12.99 plan should show €12.99, so it matches the invoice.
- Totals you can trust. Either honest per-currency subtotals, or a converted total that tells you which rate it used. Be wary of a single grand total that hides the rate.
- Billing cycles normalized to monthly. A yearly EUR plan and a monthly GBP plan aren't comparable until both are a monthly figure.
- No dependence on one country's banks. If the app needs a bank connection, check which countries it supports before you move.
- Reminders that don't depend on location. Push plus email, at a lead time you set per subscription.
- Works offline. Planes, roaming and café Wi-Fi are normal; see our offline subscription tracker guide.
How Subgrove Handles Different Currencies
Subgrove is a manual tracker with no bank connection of any kind, so where your bank is doesn't matter. Each subscription gets one of 38 currencies (USD, EUR, GBP, CAD, AUD, CHF, AED, INR, JPY and more), and the dashboard totals each currency separately, normalizing weekly, yearly and custom cycles into a monthly figure.
What it doesn't do: convert between currencies. You'll see something like €41.97, £23.98 and $16.00 a month, not one blended number. If you need a single figure, convert each subtotal at today's rate when you need it.
How the Options Compare
Disclosure: Subgrove is our app. Every other entry is described from its own website, help centre or App Store listing, checked in October 2026.
| Tracker | Different currencies | Bank connection | Where it works | Price |
|---|---|---|---|---|
| Subgrove | Yes, 38 currencies, per-currency totals, no conversion | None | Anywhere; iPhone, Android, desktop (web app) | Free (5 subs); Pro $4.99/mo or $39/yr |
| Bobby | Yes, converts using exchange rates "updated daily" | None | iPhone only | Free; $0.99 to lift the subscription limit |
| Rocket Money | No | Required (Plaid) | US only | Free; Premium typically $7–14/mo |
| Copilot | No, "only supports USD" | Required | US only | $13/mo or $95/yr |
| Monarch | No conversion; USD and CAD only | Required | US and Canada | $14.99/mo or $99.99/yr |
| YNAB | One currency per plan | Optional; direct import from select US, Canadian, UK and EU banks | Anywhere with file import | $14.99/mo or $109/yr |
Bobby's details come from its App Store listing; Copilot's prices from copilot.money; Monarch's from its pricing page; YNAB's, including its bank coverage, from its pricing FAQ.
If you're iPhone-only and want a converted total, Bobby does that and Subgrove doesn't. If your household mixes phones, or you want reminders by email as well as push, Subgrove fits better. For single-currency options, see the best subscription manager apps.
Multi-Currency Tracking Questions
Can I track subscriptions in USD, EUR and GBP at the same time? Yes, in a manual tracker. In Subgrove each subscription keeps its own currency, and the dashboard shows a subtotal per currency.
Does Subgrove convert currencies? No. It totals each currency on its own. That keeps the numbers matching your invoices, but you do the conversion yourself if you want one figure.
What's the best subscription tracker for digital nomads? One that doesn't depend on a bank in any particular country, works offline, and reminds you by push and email. A manual web app covers all three.
How do I see total spend across currencies? Take each currency's monthly subtotal and convert it at today's rate. Doing it on the day you need the number is more accurate than a total converted weeks ago.