Orbiq

Money doesn't stay in one currency. Orbiq doesn't pretend it does.

Built for people living across borders - expats, immigrants, remote workers paid in one currency and spending in another - Orbiq treats multi-currency as normal, not an edge case you have to work around with spreadsheets.

THE FOUR PILLARS

1. Multi-Currency & FX, Done Right • Every transaction keeps the exact exchange rate from the day it happened - CAD, USD, INR, GBP, EUR, AUD and more. Not a monthly average, the real rate with both converted and non-converted transaction maintained. • Currency Lens: view your whole ledger in your home currency, the original currency, or anything else supported - one tap. • See how FX moves actually helped or cost you on money sent across borders.

2. Import Your Way • Read-only auto bank sync for Global institutions, plus mortgage/loan amortization tracking, if you want it. • Don't want to hand over bank passwords? Drop in a PDF statement (decrypted on your device, never our servers), screenshot a banking app, upload a CSV/Excel file, or migrate your history from YNAB or Lunch Money in one click.

3. Cross-Border Money, Explained • Orbiq spots cross-border transfers automatically and compares your rate against the real interbank mid-market rate that day - so you see what the transfer actually cost you, spread and fees included. • Ask Orbiq: plain-language questions about your own data. "How much did I send home last quarter?" - it answers from your real numbers. • Tax-adjacent helpers: T1135 foreign asset summaries, taxable income overviews, realized FX gain logs. Informational, not tax advice.

4. Household, Without Losing Control • Invite up to 3 people to see your finances, read-only. You're still the only one who can edit anything. • Choose what each person sees - dashboard, trends, investments - per member. • Split any transaction by amount or percent. Your budgets and trends only count your share, so a big household expense doesn't wreck your goals. • Track who owes what across currencies, settle up, react/comment on shared spending if you're into that.

MORE, BUILT IN • Subscription watchdog: flags a price hike the moment it happens, not three billing cycles later. • Sign in with Google or Apple, nothing else to remember.

Your money already lives in more than one currency. Your tracker should too.

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