When your money lives in more than one country

The tools built for one country fail here in a specific way: they convert everything to a base currency and throw away the original. The number they give you looks right and cannot be defended, because the rate is not recorded anywhere you can see.

Any bank, in any country

There is no bank feed, and that is the reason this works. A feed only covers supported banks, which in practice means the US and the UK. Countbean takes the file your bank already gives you — CSV, OFX, QFX, a PDF, a photograph — so there is no integration list for your bank to be missing from. A Georgian business account and a German one are the same amount of work as a US one.

That is a real trade and worth naming: you export a file instead of it arriving by itself.

The rate is part of the entry

2026-08-19 * "Client invoice 041"
  Assets:Bank:Savings     9150.00 EUR @ 1.0800 USD
  Income:Consulting      -9882.00 USD

The euros are recorded as euros. The rate is on the transaction. Next year, when the rate is different, last year’s numbers still say what they said.

Holdings, if you have them

Shares bought at three prices are three lots with three cost bases, and the gain when you sell depends on which one you sold. This is the part where the consumer tools stop and the expensive ones start charging — and it is on the free book here, because it is Beancount underneath and Beancount does not have tiers.

What it does not do

There is no automatic exchange-rate feed. Rates come from you or from the agent at the moment it books the entry, and the source is recorded. That is fine for invoicing and awkward for a portfolio you mark daily.