Then I send $200 from my bank account to the wallet. Hunter Vault suggests how many euros you'll get at the current market rate, but you type what actually arrived after fees (€175 here), and it shows the market rate next to the rate you got. Both amounts are saved exactly as you entered them. Once an account has activity, its currency is locked. Spending from the wallet works like any other account, the expense list keeps euros apart from your dollar total, and your budget only counts spending in your home currency.
Paid features shown: none. The exchange rate is from the day of recording. Recorded on a Premium account. Features and pricing can change; check the app for current details.
Transcript
0:00 Set your home currency
Hunter Vault can track money in more than one currency, like a travel wallet in euros next to your dollar accounts. Let's start in Settings. Tap the gear.
Currency here is your home currency. Your net worth and your budget are shown in it. Changing it later doesn't convert any amounts you've already recorded.
0:21 Add an account in another currency
Now let's add an account in another currency. Go to Profile, then Accounts, and tap plus.
Pick the account type. I'll choose Cash. Then tap Currency, and pick the currency this account uses. Euro.
Name it Travel Wallet, and tap Create account.
0:41 Why each currency stays separate
The first time, Hunter Vault explains how this works. Each currency stays in its own vault, and they're never mixed together with a guessed exchange rate. Tap Got it.
Your net worth stays in your home currency, dollars. The euro wallet gets its own line underneath, and it isn't added into the dollar total.
1:03 Transfer money between currencies
Let's move some dollars into it. Tap Bank Account, then Send, and change the destination to Travel Wallet.
I'll send $200. Hunter Vault suggests how many euros you'll receive, using the current market rate.
1:20 Enter the amount you really received
But what actually arrives is often a bit less, after exchange fees. Tap You receive, and type the real amount. I got €175.
Below it, you can see the market rate, and the rate you actually got, worked out from the two amounts.
1:38 Review the transfer
Tap Review transfer. The bank account goes down by $200, and the wallet receives €175. Both amounts are saved exactly as you entered them. Tap Transfer.
The dollar net worth is $200 lower, and the euro line now shows €175.
1:58 The currency lock
Open the wallet and tap Edit. Once an account has activity, its currency is locked, so its history always stays in the right currency.
2:08 Spend in another currency
Spending from it works like any other account. Add an expense, set Pay from to Travel Wallet, and the amount switches to euros. €16 for lunch.
The expense list keeps the euros apart from your dollar total.
2:24 Budgets stay in your home currency
And your budget only counts spending in your home currency. A note at the top says foreign-currency spending isn't included.
So that's multiple currencies: one vault per currency, transfers with the amount you really received, and a budget that stays in your home currency. Links to download Hunter Vault are in the description.
