Free + Premium
Multiple accounts and currencies
Run cash, several banks, a wallet, a credit card and a USD account side by side in Lipi. See each currency separately or one converted total.
Problems it solves
- I have a USD account and an NPR account, and I cannot add them up.
- My salary comes in dollars and I spend in another currency.
- I want to see cash, bank and wallet balances on one screen.
What it is
Multiple accounts in Lipi means you can keep cash, two or three banks, a wallet, a credit card and a foreign-currency account all at once, each in its own currency. It works as a multi-currency expense tracker. Your default currency starts as your local currency, and other currencies are converted for totals.
What problem it solves
Remittance families and freelancers often hold more than one currency. Adding them in a spreadsheet means looking up a rate and redoing it every day. Lipi keeps each account in its real currency, shows the balance as the bank shows it, and works out the converted total for you. When you move dollars into an account in another currency, you record the rate you really got, not a market rate.
How it works
- Open Accounts and tap Add account. Set the Currency to USD, or another currency. Give it an Opening balance and Save. Accounts in other currencies show the converted value under the balance.
- When you hold more than one currency, tabs appear on the Accounts page: Separate, NPR, USD and so on. Pick a tab to see only that currency.
- Choose Separate to see each currency on its own, or a single currency tab to see everything converted into it. The total shows a note such as “Converted at today’s market rate”.
- Record income or spending in an account. The amount stays in that account’s currency, and the transaction is converted at the rate of its own date for reports.
- To move money between currencies, use a transfer and enter the amount received and the rate you got.
Details and rules
- Plan: Free allows 2 accounts. Premium allows unlimited accounts.
- One currency per account. You cannot mix currencies inside one account.
- The currency list is loaded from the exchange-rate service, not fixed in the app.
- Totals use today’s market rate. Transactions use the rate of their own date.
- If a rate is missing for a currency, that account is listed as left out of the total instead of guessed.
- Change your main currency in Settings, Profile, Default currency. Converted amounts are recalculated.
- The NRB daily rate and the market rate are stored separately. See multi-currency and exchange rates.
- Works offline in the installed app.
Works with
Ask an AI assistant
Ask: “List my accounts with their currencies and balances.” The assistant calls list_accounts and, for one account, get_account.
For AI assistants
Lipi’s MCP server gives an assistant these tools for this feature:
list_accountsget_account
Questions and answers
Can Lipi track multiple accounts in different currencies?
Yes. Every account has its own currency, such as NPR or USD. The Accounts page shows a tab for each currency you hold, and one converted total across everything.
How many accounts can I have for free?
The free plan allows 2 accounts. Premium allows unlimited accounts, in any supported currency.
Which rate does Lipi use to convert a foreign currency balance?
The total across accounts uses today's market rate. Transactions use the rate of their own date, so an old transaction is not converted at today's rate. When you move money between currencies you can enter the rate you actually got.
Which currencies can I choose?
The list comes from the exchange-rate service and is not fixed in the app. Start typing a code or a name in the Currency field, for example NPR or dollar.
Can Lipi track a USD account and an NPR account together like other finance apps?
Yes. Keep each in its own account, switch the Accounts page between Separate and Show total, and move money between them with a transfer that records the real rate.
Can I change my main currency later?
Yes. Change Default currency in Settings, Profile. Converted amounts are recalculated.
Last updated:
More in Accounts
Accounts: bank, wallet, cash, card
Yes, Lipi has accounts: bank, wallet, cash, investment and credit card, each with its own currency and live balance. Free allows 2 accounts, Premium is unlimited.
Transfers between accounts
Yes, Lipi supports transfers between your own accounts, including a fee and cross-currency moves at the rate you got. A transfer is not counted as spending or income.
Shared accounts for families
Yes, Lipi has shared accounts: the owner invites a person by email or QR code, and that person can add and edit transactions in the account. Shared activity counts only in the owner's reports.