Copilot Money alternative for multiple currencies

Copilot Money suits people with US bank accounts who want automatic bank links, AI categorisation and polished apps on iPhone, iPad and Mac. Welfi suits people with accounts outside the US or in more than one currency, people who prefer importing statements, and anyone who wants envelope budgeting or Arabic or French.

Welfi and Copilot Money at a glance

Feature	Welfi	Copilot Money
Price	Core USD 3.99/month or USD 29.99/year. Premium USD 4.99/month or USD 39.99/year.	USD 13/month or USD 95/year.
Free trial	14 days, no card.	1 month. Copilot's own pages do not say whether a card is needed.
Platforms	Web and iPhone. No Android app yet.	iPhone, iPad, Mac and web. No Android app.
Accounts in different currencies	Yes. Each account keeps its own currency, with automatic or per-transaction exchange rates.	USD only. Foreign-currency transactions are not converted by Copilot.
One net worth across currencies	Yes, shown in any base currency you choose.	No. Everything is shown in USD.
Bank connection	Never needed. You import statements instead.	Links through Plaid, MX, Mastercard and Akoya, plus direct links. US institutions only. Manual accounts also exist.
Statement import formats	PDF, CSV and Excel from any bank, including Arabic statements.	A Mint export import. No general CSV or OFX import confirmed.
Gold tracking	Physical gold by gram, ounce or kilo at the live spot price.	No gold or precious-metals account type.
Languages	English, Arabic and French, with full right-to-left.	English (US App Store listing).

What Copilot Money does well

It offers polished native Apple apps for iPhone, iPad and Mac, plus a web app, and its design is widely praised.
It is automation first: AI categorisation learns from your corrections, it detects recurring charges and subscriptions, and budgets can roll over each month.
It has wide US connectivity (Plaid plus MX, Mastercard, Akoya and direct Apple Card, Capital One and Coinbase links), live investment and crypto views, and Zillow-linked real estate in net worth.

Where Welfi is different

Any currency, any country

Each account stays in its own currency. Welfi converts with automatic exchange rates, or you set the rate on a single transaction.

One net worth, any base currency

All accounts add up into one net worth. Switch the whole dashboard to another base currency whenever you like.

Statements in, no bank link

Import any bank's PDF, CSV or Excel statement, including Arabic statements. Welfi categorises the transactions and skips duplicates.

Envelope budgeting and gold

Give money a job with envelopes and Ready to Assign. Track physical gold at the live spot price, next to property, cars, investments, crypto and liabilities.

Moving from Copilot Money to Welfi

Download recent statements from each of your banks as PDF, CSV or Excel files.
If you also want your Copilot Money history, check Copilot's help centre for its current export options.
Start your Welfi trial, add each account in its real currency, and import your statements. Welfi categorises them and skips duplicates.
Choose your base currency. You can switch the whole dashboard to another one at any time.
Set up your envelopes and assign money from Ready to Assign.

Budget in every currency you use

Start a 14-day free trial, no card needed. Import a statement, add your accounts in their own currencies, and see one net worth.

Start your free trial

14 days free · No card · No bank connection

Common questions

Does Copilot Money support other currencies?

Copilot's help centre says it only supports USD and does not convert foreign-currency transactions. It supports US financial institutions only. This was checked on 13 October 2026.

Does Welfi connect to my bank like Copilot Money?

No. Welfi never needs a bank connection. You import PDF, CSV or Excel statements, and Welfi categorises them and skips duplicates. If automatic links to US banks matter most to you, Copilot Money offers them.

Is there a Welfi app for Mac or Android?

Welfi runs on the web and on iPhone, so on a Mac you use the web app. There is no Welfi Android app yet. Copilot Money has a native Mac app and no Android app.

How is budgeting different?

Copilot Money uses category budgets with optional monthly rollovers. Welfi uses envelope budgeting: you assign money from Ready to Assign to each envelope before you spend it.

Copilot Money details were checked on 13 October 2026 from Copilot's own website, help centre and App Store listing, and prices and features can change.

Sources