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Multi-Currency in Books

Multi-currency in Zoho Books is the capability to conduct business in multiple currencies simultaneously, maintaining invoices, bills, bank accounts, and customer balances…

Multi-currency in Zoho Books is the capability to conduct business in multiple currencies simultaneously, maintaining invoices, bills, bank accounts, and customer balances in foreign currencies while consolidating all reporting in your base currency (INR).

Setting Up Multi-Currency in Zoho Books

Go to Settings, then Currencies. Add each currency your business uses, either enabling automatic rate updates for major currencies or setting manual rates for less common ones. For each international customer, open their contact record and set their preferred currency (for example, USD for US customers, GBP for UK customers). From this point, all invoices raised to that customer will default to the customer’s currency, with INR equivalent shown as a secondary display.

Multi-Currency Bank Accounts

If you hold foreign currency bank accounts (EEFC accounts in India, or bank accounts in overseas branches), add them as bank accounts in Zoho Books and set their currency to the appropriate foreign currency. Receipts from export invoices paid in USD go into the USD bank account, and Zoho Books tracks the USD balance alongside the INR equivalent. You can reconcile the USD bank account in Zoho Books just like an INR account, using your foreign currency bank statement.

Financial Reporting with Multi-Currency

The P&L and Balance Sheet in Zoho Books always show amounts in INR (your base currency), regardless of the transaction currency. Foreign currency amounts are converted to INR at the transaction-date rate. At period end, the Currency Adjustment feature revalues open foreign currency balances to the closing rate. The resulting exchange gain or loss appears on the P&L as a separate line item, keeping your reported financials fully in compliance with Indian accounting standards.

Industry: IT Services and Products — A Pune technology company invoices Indian clients in INR, US clients in USD, and Middle East clients in AED. It receives payments in all three currencies into separate bank accounts. Zoho Books handles all three currencies simultaneously, and the monthly P&L shows total revenue in INR after conversion, with a separate line for exchange gains and losses.
What is Multi-Currency in Zoho Books?

Multi-currency in Zoho Books allows your organisation to raise invoices, record bills, and hold bank accounts in multiple currencies while keeping all financial reports consolidated in INR.

How do I enable multi-currency in Zoho Books?

Go to Settings, then Currencies, and add the currencies you need. Assign a default currency to each international customer or vendor. Invoices to those customers will default to their currency with INR equivalent shown.

Need help implementing this in Zoho?

Aaxonix is a certified Zoho implementation partner based in Pune. Architecture-first, no surprises.