Someone pays in euros. Someone else pays in pounds. By Sunday, everyone's numbers are different and nobody agrees why.
The math isn't hard. The app is lying to you.
Why the numbers never match
Most bill-splitting apps quietly convert currencies in the background. You log an expense in euros. Your friend opens the app and sees dollars. Nobody agreed to that conversion. Nobody knows which rate was used, or when.
Now you're not arguing about whether someone owes money — you're arguing about how much. And neither side is wrong. You're just seeing different invisible conversions.
The fix: log every expense in the currency it was actually paid. Don't convert anything until the trip is over. Everyone sees the original amounts — no surprises, no phantom discrepancies.
At settlement time, your group decides together: convert everything to one currency, or keep it mixed. That call belongs to you, not the app.
One practical rule: log it when it happens
Whoever pays, adds it. In the original currency. That's it.
Don't reconstruct four days of spending on the last night. By then nobody remembers who sat out the expensive dinner or what the museum cost.
With Settlify, anyone in the group can join from their browser — no download, no signup — so logging doesn't fall on one person with the app.
At the end
Settlify shows what everyone owes, calculated to minimize the number of transfers. When you're ready to settle, it shows which payment apps your group shares — Revolut, Twint, and more — so the actual transfer takes one tap.
No hidden conversions. No arguing about the rate. No "does she have PayPal?"
Group trips are expensive enough. The money conversation at the end doesn't have to be the worst part.
