Multi-currency invoicing software
Best multi-currency invoicing software in 2026
Most invoicing tools treat foreign currencies as an add-on feature gated to their most expensive plan. This roundup compares RunBiz, QuickBooks Online, Xero, Wave, and Zoho Billing on currencies supported, which plan you need, and what else is included.
5 multi-currency invoicing tools compared
Prices are current list prices in USD, verified against each vendor's public pricing pages on 2026-08-03. All five vendors change plans and pricing periodically — check their pricing pages directly before deciding.
| RunBiz | QuickBooks Online | Xero | Wave | Zoho Billing | |
|---|---|---|---|---|---|
| Currencies supported | 162 (all ISO 4217) | 145+ | 160+ | Any per invoice; base currency limited to USD/CAD | 165+ |
| Plan required for multi-currency | Included from Pro ($99/mo) | Essentials ($85/mo) or higher | Established ($90/mo) only | Any plan, including free Starter | Standard ($50/mo, or $39/mo billed annually) or higher |
| Entry-plan price | Free (Starter, no invoicing) | $38/mo (Simple Start, no multi-currency) | $25/mo (Early, no multi-currency) | Free (Starter) | No free plan — from $50/mo |
| HR & payroll | Included, any country (Pro/Scale) | Separate paid add-on | AU/NZ/UK add-on; Gusto elsewhere | Paid add-on, US/Canada only | Not offered |
| Point of sale (POS) | Included on every plan | Not available | Not available | Not available | Not available |
| Inventory management | Included on every plan | Plus plan ($115/mo) or higher | Basic, on every plan | Not available | Not available |
| Team chat | Included on every plan | Not available | Not available | Not available | Not available |
The 5 tools, in short
RunBiz
All-in-one billing platform: every invoice carries its own currency and exchange rate across 162ISO 4217 currencies, alongside HR, payroll, finance, inventory, POS, and team chat. Free Starter plan doesn't include invoicing; Pro ($99/mo) does.
QuickBooks Online
Accounting platform with deep bookkeeping and a large accountant ecosystem. Multi-currency (145+ currencies) requires Essentials ($85/mo) or higher, and can't be disabled once turned on. Payroll, POS, and team chat aren't included.
Xero
Accounting platform with unlimited users on every plan. Multi-currency (160+ currencies) is exclusive to the Established plan ($90/mo). Native payroll only works in Australia, New Zealand, and the UK.
Wave
Free invoicing and bookkeeping with per-invoice currency selection, but your business's base currency must be USD or CAD, and currency gain/loss isn't calculated automatically. Payroll is a paid add-on limited to the US and Canada.
Zoho Billing
Billing and subscription-management platform supporting 165+ currencies from its Standard plan ($50/mo, or $39/mo billed annually). No free plan, and no HR, payroll, POS, or inventory features — it's billing-focused, not all-in-one. (Note: Zoho's separate free product, Zoho Invoice, does not support multi-currency invoicing at all.)
Frequently asked questions
Zoho Billing (165+) and RunBiz (162, all ISO 4217 currencies) support the most, ahead of Xero (160+) and QuickBooks Online (145+). Wave lets you pick any currency per invoice, but your business's base currency is limited to USD or CAD.
Wave is free, but only if a USD or CAD base currency works for your business. Among tools that support any base currency, RunBiz Pro at $99/mo is the least expensive, ahead of Zoho Billing ($50/mo, or $39/mo billed annually), QuickBooks Essentials ($85/mo), and Xero Established ($90/mo).
Usually not in the same plan. QuickBooks, Xero, Wave, and Zoho Billing are invoicing/accounting-first products — payroll, when offered, is a separate paid add-on with limited country coverage, and none of them include point-of-sale. RunBiz is the exception: multi-currency invoicing, payroll, POS, and inventory are one subscription.
Wave is a strong free option if you only need to send occasional foreign-currency invoices and your business's home currency is USD or CAD. It doesn't automatically calculate currency gain or loss, and it has no payroll outside the US/Canada, no POS, and no inventory tracking.
Yes, both gate multi-currency to a specific tier rather than including it everywhere. QuickBooks requires Essentials ($85/mo) or higher — it isn't available on Simple Start, and once enabled it can't be turned off. Xero requires its top-tier Established plan ($90/mo) — Early and Growing don't support foreign currencies at any price.