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Punctual

Built for businesses that cross borders

Get paid in any currency, across any account.

A few currencies, a few accounts, from Wise to Airwallex to your local bank, kept right for you.

punctual.app / paymentsLive
This week, three currencies, three accounts
🇺🇸
$7,500 USDS$10,125
via Airwallex· +S$40 FX gain
🇬🇧
£4,200 GBPS$7,182
via Wise· −S$15 FX loss
🇸🇬
S$6,000 SGDS$6,000
via DBS
Total, in your books (SGD)S$0

Currency gains and losses worked out and recorded for you.

The problem

The way it works today

You get paid in dollars, euros, and your home currency, often in the same week. Most tools act like the US dollar is the only one that matters, and the ones that do handle other currencies lock it behind their priciest plan. So you end up doing the currency maths by hand, and you're never quite sure the numbers are right.

Sound familiar?

ABCD
14/07SWIFT USD 10,000.00→ SGD?rate??
14/07xe.com says 1.342013,420maybe
15/07bank used 1.338813,388−S$32

fx_workings_v4.xlsx · nobody is sure

what rate was it on the 14th?!

Your accounting tool · upsell

Multi-currency
locked
Available on
Top plan
Price difference
+US$40/mo

What Punctual does

You do the work. Punctual does the rest.

01

Every account, in one place

Connect Wise, Airwallex, your local bank, and any others. Punctual pulls them all in and keeps them tidy, whatever currency the money arrives in.

punctual.app/accounts
DashboardInvoicesBillsClients
Wise · USD$12,400Live
Airwallex · EUR€8,150Live
DBS · SGDS$45,200Live

Every account, every currency, one tidy view

Accounts · All currencies

02

The currency maths, done for you

When a payment lands in a currency that isn't your main one, Punctual works out the gain or loss from the rate change and records it correctly. You don't touch a spreadsheet.

punctual.app/reconcile
DashboardInvoicesBillsClients
Incoming · US$10,000→ S$13,420

Rate on receipt1.3420

FX gain, recorded+S$180

The currency maths, done and booked: no spreadsheet

The FX maths

03

Built for the rest of the world

Punctual isn't a US tool with other countries bolted on. Multi-currency is here from the start, not hidden behind the top plan.

punctual.app/settings/currencies
DashboardInvoicesBillsClients
SGDUSDEURGBPAUDJPY
Multi-currencyIncluded
Available on the top plan onlyNot here

Built for the rest of the world, from the start

No upsell
A week with Punctual

Three currencies, one set of true numbers.

  1. 01Monday · A London client pays in pounds. Matched, converted, booked.
  2. 02Midweek · New York pays in dollars; your local retainer lands in SGD. Same story.
  3. 03Thursday · The rate moved between invoice and payment. The gain is recorded for you.
  4. 04Friday · Profit for the month is right, and you didn't convert a thing by hand.
AugustThis week
MTWTFSS
24£ ✓£ in → matched
25
26$ ✓$ in → matched
27+180FX gain +S$180
28P&L right ✓
29
30
Your week · nothing chased by hand
Fit checkForm 07-B · takes no time
Applicant
Your business
Profile
Businesses outside the US that get paid in more than one currency, across more than one account, and are tired of tools that pretend the dollar is all there is.
Assessment
Proceed.
on time, every time

Start free

It's --:-- in Singapore.
Your books could be up to date by --.

Connect your accounts and see your own numbers the same day. Your card is not charged until day 30.

30 days free · Your data stays yours · Cancel anytime

Related: Get paid by bank transfer · Automatic reconciliation