FlashFi vs Exirio: Multi-Currency Portfolio Trackers Compared

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is a competitor. This is our honest assessment based on publicly available information.

TL;DR¶

Exirio is a Swiss-based wealth tracker built for high-net-worth individuals who want to consolidate every type of asset — from stocks and crypto to real estate and luxury items — in one secure dashboard. It emphasizes bank-grade security, Swiss data privacy, and automatic bank connections across 11,000+ institutions.

FlashFi is built specifically for digital nomads and expats who need multi-currency investment tracking combined with personal finance tools. It focuses on stocks, ETFs, crypto, and everyday financial management rather than alternative assets.

Choose Exirio if you have complex wealth across many asset types (real estate, private equity, luxury assets) and want automatic bank synchronization with Swiss-level data privacy.

Choose FlashFi if you are a digital nomad or expat who primarily tracks investments and personal finances across currencies, and you want a fast, focused tool without the complexity of a full wealth management platform.

Quick Comparison¶

Pricing Breakdown¶

Exirio uses a simple pricing model. The free tier lets you connect one financial institution — a bank, brokerage, or crypto exchange. If you need more connections, Premium costs $10/month or $100/year (a slight discount for annual billing). There is no tiered feature gating beyond the number of connections.

FlashFi uses a two-tier model. Operator at $12/month gives you full multi-currency portfolio tracking, personal finance management, and real-time market data. Apex at $39/month adds advanced analytics, priority support, and additional features for power users.

Neither app offers a free plan with full functionality. Exirio’s free tier is a genuine tryout — you can connect one institution and see how the app works — but most international investors will need multiple connections. FlashFi has no free tier at all.

Price verdict: Exirio’s Premium tier is cheaper at $10/month for unlimited connections. FlashFi’s Operator tier costs $12/month but bundles personal finance features that Exirio treats as secondary. If you only need wealth tracking, Exirio is the better value. If you want investment tracking plus budgeting and financial management, FlashFi bundles more for a similar price.

Multi-Currency Support¶

Both apps were built from the ground up for multi-currency portfolios. This is the core reason you would consider either over mainstream US-centric tools like Mint or Personal Capital.

Exirio supports over 40 currencies and lets you view your wealth in any currency you choose. Currency conversion is built into every view — you can see the breakdown between asset performance and currency performance, which is critical for understanding real returns when you hold investments across multiple countries.

FlashFi uses the Tiingo API for real-time forex rates and automatically converts all holdings to your chosen home currency. The multi-currency engine runs through every portfolio view, showing you exactly what your investments are worth in the currency you think in. FlashFi also tracks FX impact on returns, so you can see whether a gain came from the asset or the currency movement.

Both apps handle the fundamental challenge well. The difference is mostly in how you get data in: Exirio pulls it automatically via bank connections, while FlashFi uses manual entry with automatic price updates.

Asset Coverage¶

This is where the two apps diverge most significantly.

Exirio is designed as a complete wealth tracker. It covers traditional financial assets (stocks, ETFs, bonds, mutual funds, crypto) but also supports real estate properties, luxury assets (jewelry, art, collectibles), private company investments, retirement plans, commodities, and loans. If you can own it, Exirio probably has a category for it.

FlashFi focuses on liquid financial assets: stocks, ETFs, mutual funds, and crypto with real-time price data. On the personal finance side, it tracks cash accounts, savings accounts, and debt. It does not track real estate, luxury items, or private equity.

This distinction matters depending on your financial profile. A digital nomad whose wealth is primarily in brokerage accounts, crypto wallets, and scattered bank accounts will find FlashFi covers everything they need. A wealthy expat with rental properties, art collections, and private company stakes will find Exirio’s breadth essential.

Bank and Broker Connections¶

Exirio integrates with over 11,000 financial institutions across North America, Europe, and Switzerland, plus dozens of crypto exchanges and wallets. Transactions, positions, and performance metrics are automatically imported and kept up to date. This is a major convenience feature — you connect your accounts once, and Exirio stays current without manual input.

FlashFi does not currently offer automatic bank or broker connections. You enter holdings manually, and FlashFi handles real-time price updates and forex conversion automatically from there. Manual entry means you are always in control of what data is in the system, but it requires more upfront effort.

For investors with accounts at a single brokerage, manual entry is minimal. For someone with positions spread across five brokerages in three countries plus two crypto exchanges, Exirio’s automatic connections save significant time.

Security and Data Privacy¶

Exirio leads here with Swiss-standard data protection. The company is based in Switzerland, enforces GDPR compliance, encrypts data in transit with HTTPS/TLS and AES-256, encrypts personally identifiable information at rest, and encrypts backups. They explicitly state they will never sell user data. Users can download and export all their data at any time.

FlashFi uses standard security practices — HTTPS, secure authentication via magic links, and optional TOTP two-factor authentication. Data is hosted on Railway’s infrastructure.

For users in the EU or anyone particularly concerned about data sovereignty, Exirio’s Swiss jurisdiction and explicit GDPR enforcement are a meaningful advantage.

Collaboration and Sharing¶

Exirio offers a notable feature that most portfolio trackers lack: third-party access controls. You can grant view-only, edit, or emergency access to partners, financial advisors, or family members. Emergency access is particularly thoughtful — it ensures someone you trust can access your financial information if something happens to you.

FlashFi is currently a single-user tool with no sharing or collaboration features. This keeps the product simpler but means you cannot share portfolio views with an advisor or partner.

Mobile Experience¶

Exirio has native iOS and Android apps alongside its web platform. The native apps give you full access to your wealth dashboard on the go, with the same bank synchronization and multi-currency views as the web version.

FlashFi is a responsive web application. It works on mobile browsers and is designed mobile-first, but there is no native app in the App Store or Google Play. For most use cases the mobile web experience is adequate, but native apps typically offer smoother performance and features like push notifications and biometric login.

Where Exirio Wins¶

• Asset breadth. Real estate, luxury assets, private equity, commodities — Exirio tracks virtually any asset type. If your wealth extends beyond standard financial instruments, Exirio covers it.
• Automatic connections. 11,000+ bank and broker integrations means less manual data entry. For investors with accounts scattered across multiple countries, this is a significant time saver.
• Swiss data privacy. GDPR enforcement, AES-256 encryption, Swiss jurisdiction — Exirio takes security and privacy seriously, which matters when you are entrusting your complete financial picture to a platform.
• Collaboration. Advisor access, partner access, and emergency access are genuinely useful features for wealth management.
• Free tier. You can try Exirio with one connected institution before paying anything.
• Native mobile apps. Dedicated iOS and Android apps provide a smoother mobile experience.

Where FlashFi Wins¶

• Personal finance integration. FlashFi combines investment tracking with cash accounts, savings, debt tracking, and net worth monitoring in a single dashboard. Exirio leans more toward asset tracking than daily financial management.
• Built for nomads. FlashFi’s UX is designed specifically for people who move between countries and currencies. The home currency conversion, multi-currency net worth, and expat-focused design reflect this focus.
• Simpler pricing. FlashFi’s two tiers are straightforward — you know what you are getting without worrying about connection limits or feature gates tied to institution counts.
• Real-time market data. FlashFi pulls live stock, ETF, and crypto prices via the Tiingo API. Exirio’s pricing data depends on what your connected institutions provide.
• Performance analytics. FlashFi’s Apex tier includes advanced portfolio analytics, performance charting, and allocation breakdowns designed for active investors.
• Focused experience. By not trying to track every asset type imaginable, FlashFi stays fast and focused. Less complexity means less noise in the interface.

Who Should Choose Exirio¶

Exirio is the right choice if you:

• Have wealth spread across many asset types — real estate, private investments, luxury items, traditional securities
• Want automatic bank and broker synchronization across European and North American institutions
• Need to share portfolio access with a financial advisor, partner, or family member
• Prioritize Swiss-standard data privacy and security
• Prefer native mobile apps over a web-based experience

Who Should Choose FlashFi¶

FlashFi is the right choice if you:

• Are a digital nomad or expat whose wealth is primarily in stocks, ETFs, crypto, and cash across multiple currencies
• Want investment tracking and personal finance management in a single tool
• Prefer a focused, fast interface over a comprehensive wealth management platform
• Want real-time market data and portfolio performance analytics
• Do not need to track alternative assets like real estate or luxury items
• Are comfortable with manual entry in exchange for full control over your data

The Bottom Line¶

Exirio and FlashFi solve overlapping but different problems. Exirio is a broad wealth tracker that tries to capture your complete financial picture — every asset, every account, every currency. FlashFi is a focused portfolio and personal finance tool built for a specific audience: international investors who live and earn across borders.

If your wealth management needs include properties, art, and private equity alongside stocks and crypto, Exirio’s breadth is hard to beat. If you are a digital nomad or expat who needs to track investments and daily finances across currencies without the complexity of a full wealth platform, FlashFi is built exactly for that.

Try FlashFi — Start Tracking

By David Brougham