Multi-currency expense tracking for expats: Revolut, Wise and a local bank in one view

Start with the accounts, not a converted spreadsheet

After a move, rent may leave a local bank in manat while daily purchases go through Revolut in euros and transfers pass through Wise in pounds. Adding those figures directly gives a meaningless total, and converting everything by hand at one rate hides what each payment really cost.

Keep the accounts as they are instead. In Pulget, each bank account and each currency balance becomes its own account, in its own currency, and the reporting currency you chose when setting up Pulget brings them together. Pulget shows past transactions from uploaded files, not live balances or a net-worth total. If you are leaving a budgeting app that covers US banks only, tracking accounts outside the US explains the switch.

Map your accounts first

A typical expat setup turns into more accounts than people expect, because Revolut and Wise issue a statement per currency:

During preview every workspace is on Standard, which counts up to 3 accounts; pricing lists the limits. Start with the accounts you spend from most.

Build one spending history

1. Download a statement for each account and currency. Following Revolut's personal account instructions, you get a separate statement for each currency, as PDF or Excel. Wise's statement instructions allow up to 365 days per statement; you can download several currencies together as a zip file, so extract the files and check each currency and date range before uploading. For a Birbank account in Azerbaijan, download the Birbank statement from the app's History.
2. Upload each PDF, CSV or XLSX file to its matching account. Pulget reads scanned PDFs with OCR. The upload guide explains the review step.
3. Check dates, amounts, merchants and categories before approval. Income and spending then appear together in reports. Pulget converts each transaction into the reporting currency at the published rate on or just before its date, keeps the original amount, and lets you enter your bank's own rate instead. The currency guide explains where the rates come from.

A row already held by the same account is skipped at import. Possible duplicates across files appear under Duplicates in the Review inbox for you to resolve.

Last checked on 25 September 2026 against Revolut's personal account statement help and Wise's statement help.

Keep your own transfers out of spending

Money moving from Wise to the local bank, or between two Revolut balances, leaves one account and arrives in another. Counted as spending, it doubles the month. When both sides have the same amount in the same currency, Pulget suggests the pair in the Review inbox. When the money changes currency on the way, group the two sides yourself on the Transactions page. Either way, a grouped pair counts as a transfer, not as spending.

Review the month

Compare rent, groceries, transport and everyday purchases by month and category, across all the accounts at once. Recurring charges, such as rent or a phone plan, are suggested once they have repeated on a steady schedule; confirm them before treating them as bills. Pulget does not create a forward-looking budget.

If you are still in the first months after the move, adding up what the move cost separates the one-off costs from the new monthly baseline. The Revolut export walkthrough covers that account in detail, and help lists the supported formats.

Start with one statement

Upload a statement, free during preview, then check its transactions before adding the next account.