Best Swiss Software for Multi-currency Invoicing

For Swiss freelancers billing international clients in GBP, EUR, USD, or AUD, only certain tools support actual invoice generation in foreign currencies—a critical distinction from expense tracking.
This investigation verified which software can create and send invoices in foreign currencies while converting revenue to CHF for Swiss accounting. KLARA, despite its popularity, cannot create foreign currency invoices at all. Bexio, Magic Heidi, Smallinvoice, and several others genuinely support this capability, though with important variations in implementation and pricing.

The critical distinction most comparisons miss

Many Swiss invoicing tools advertise "multi-currency support" but only mean expense tracking—converting foreign receipts to CHF. True multi-currency invoice generation means creating professional invoices that show EUR, USD, GBP, or AUD amounts to your international clients. This research verified each tool's actual invoicing capabilities through official documentation and user reports.

Tool	Creates Foreign Currency Invoices	Expense Tracking	CHF Conversion for Accounting
KLARA	❌ CHF only	✅ Yes	✅ Yes
Bexio	✅ EUR, USD, GBP	✅ Yes	✅ Automatic
Magic Heidi	✅ EUR, USD, GBP	✅ Yes	✅ Automatic
Smallinvoice	✅ All currencies	✅ Yes	⚠️ Not verified
Zoho Books	✅ 165+ currencies	✅ Yes	✅ Automatic
CashCtrl	✅ EUR, USD, etc. (PRO)	✅ Yes	✅ Automatic

Magic Heidi offers the simplest freelancer experience

Magic Heidi explicitly supports creating invoices in every currency, including EUR, USD, and GBP with a direct quote from their website: "Change currency to EUR, USD or GBP for your international customers." The platform automatically converts everything to CHF for Swiss accounting and tax purposes.

Key freelancer-friendly features include:

Multiple IBANs per currency (direct payments to different bank accounts based on invoice currency)
Multi-language invoices (German, French, Italian, English)
Automatic CHF conversion for year-end reporting
Swiss QR-code support for domestic invoices

User reviews consistently praise its simplicity: "Invoicing is a breeze with this app" and "Simple, fast for sole traders." The platform is explicitly designed for freelancers without accounting knowledge—their tagline is "the first app you don't need to learn how to use."

AUD, NZD, NOK is explicitly confirmed as well. Pricing is approximately CHF ~25-30/month.

Bexio supports multi-currency invoicing with accounting limitations

Bexio can genuinely create and send invoices in foreign currencies including EUR, USD, and GBP. Official documentation confirms: "There is the possibility in bexio to record or create outgoing or incoming invoices in foreign currencies."

However, Bexio has a critical limitation: it does not maintain foreign currency accounts. All foreign currency invoices are immediately converted to CHF in the accounting system using the configured exchange rate. This means:

✅ Customer sees invoice amount in EUR/USD/GBP
✅ Revenue automatically tracked in CHF
❌ No foreign currency bank account maintenance
❌ No debtors ledger in foreign currency

Exchange rates can be set manually or updated automatically using ESTV monthly averages. Some Trustpilot reviewers describe multi-currency handling as "a nightmare," but these complaints relate to complex accounting scenarios rather than basic foreign currency invoicing. For freelancers who simply need to bill in foreign currencies and track CHF revenue, Bexio works. Pricing starts at CHF 35/month with no tier restrictions on multi-currency invoicing.

KLARA cannot create foreign currency invoices

KLARA's own support staff confirmed: "KLARA cannot issue invoices in foreign currencies and cannot manage foreign currency accounts. There is no date yet for this extension." Multiple users in KLARA's community forum have expressed frustration, with one noting they had to switch to Swiss21/Abaninja due to this limitation.

What KLARA actually supports is foreign currency expense tracking—booking receipts paid in EUR or USD and converting them to CHF using official ESTV exchange rates. This is fundamentally different from invoicing clients in their local currency. If your primary need is billing international clients, KLARA is not suitable.

Smallinvoice supports all currencies with QR-bill restrictions

Smallinvoice officially states: "In addition to CHF and EUR, all other currencies are also supported, making smallinvoice the ideal invoice software for international bills." This confirms creation of invoices in GBP, USD, AUD, and any other currency.

Critical limitation: Swiss QR-bills (the modern payment slip format) are only supported in CHF. EUR QR-bills and international SCOR references are explicitly not supported. This means:

✅ Regular invoices in any foreign currency
✅ Swiss QR-bills in CHF
❌ QR-bills in EUR (not supported)

For international clients who pay via bank transfer rather than Swiss payment slips, this limitation is irrelevant. Pricing ranges from CHF 15-45/month depending on features.

Zoho Books requires Professional plan for multi-currency

Zoho Books supports 165+ currencies with automatic exchange rate feeds via Open Exchange Rates. Swiss users can set CHF as their base currency, and the system automatically converts item prices when creating invoices for customers in other currencies.

Pricing tier requirement: Multi-currency invoicing is not available on Free or Standard plans. You need at minimum:

Professional plan at $40/month (one currency per customer)
Elite plan at $120/month (multiple currencies per same customer)

The system tracks Base Currency Adjustments to record exchange gains/losses when payments are received. However, there is no Switzerland-specific VAT filing integration—Swiss users must configure tax rates manually and file returns externally. This makes Zoho Books less integrated with Swiss requirements than local alternatives.

CashCtrl offers affordable Swiss-made multi-currency

CashCtrl is a well-regarded Swiss accounting tool that supports multi-currency invoice creation in its PRO version. When creating invoices, users can select a foreign currency and the exchange rate auto-populates using 24-hour averages from the previous day.

Key details:

Free version: Single user, single organization, but no multi-currency
PRO version at CHF 295/year (~CHF 24.60/month): Required for multi-currency invoicing
Target audience: Freelancers, SMEs, accountants

CashCtrl is often mentioned as an alternative for users leaving KLARA due to its multi-currency limitations.

Other Swiss tools with verified multi-currency invoicing

Tool	Foreign Currency Invoices	Target Audience	Price
Crésus Facturation	✅ Up to 10 currencies	SMEs, French-speaking CH	CHF 20/mo or CHF 600+
Abacus/AbaNinja	✅ Full support	SMEs to enterprises	From CHF 18-21/mo
Banana Accounting	✅ Foreign currency invoices	Small businesses	CHF 69/year
Infinity.swiss	❌ CHF only	Freelancers	CHF 24/mo
Sage One/Start	❌ Feature declined	Small business	—

Crésus is particularly strong in French-speaking Switzerland with automatic exchange rates from the Swiss Federal Tax Administration. Abacus is the enterprise standard but potentially overkill for solo freelancers. Banana Accounting offers budget-friendly multi-currency at CHF 69/year but requires more manual configuration.

Ranking for Swiss freelancers billing international clients

Based on verified multi-currency invoice generation, automatic CHF conversion, and suitability for freelancers without accounting expertise:

Tier 1: Best for freelancers

Magic Heidi (CHF ~30/mo) — Simplest interface, explicit freelancer focus, EUR/USD/GBP invoicing with automatic CHF conversion and multiple IBAN support
Bexio (CHF 35/mo) — Market leader, EUR/USD/GBP invoicing, immediate CHF conversion in accounting, strong Swiss integration

Tier 2: Solid alternatives

Smallinvoice (CHF 15-45/mo) — All currencies supported, but no QR-bills for EUR
CashCtrl (CHF 295/year) — Swiss-made, reasonable pricing, requires PRO tier for multi-currency
Banana Accounting (CHF 69/year) — Budget option, requires more setup

Tier 3: Viable but with trade-offs

Zoho Books ($40/mo minimum) — Powerful but no Swiss VAT integration, requires paid tier
Crésus (CHF 20/mo+) — Excellent for French-speaking users, less intuitive

Not suitable for international invoicing:

KLARA — Cannot create invoices in foreign currencies (CHF only)
Infinity.swiss — Only CHF invoices currently
Sage One/Start — Multi-currency invoices explicitly not supported

Conclusion

The distinction between multi-currency expense tracking and multi-currency invoice generation is crucial.
For Swiss freelancers billing international clients in EUR, USD, or GBP who need CHF-based year-end accounting, Magic Heidi and Bexio offer the most practical solutions. Magic Heidi wins on simplicity and price; Bexio offers broader features and market acceptance.

KLARA users requiring foreign currency invoicing should plan to migrate to an alternative, as KLARA has no announced timeline for adding this capability.