diff --git a/src/app/api/participants/[id]/balance/route.ts b/src/app/api/participants/[id]/balance/route.ts
index eae3ae7..111d9b2 100644
--- a/src/app/api/participants/[id]/balance/route.ts
+++ b/src/app/api/participants/[id]/balance/route.ts
@@ -19,7 +19,7 @@ export async function GET(
 
   const rows = await queryRaw<BalanceRow>(
     `SELECT ts.participant_id, p.name,
-       SUM(t.amount * ts.share_percent / 100)::numeric(12,2) as total_owed,
+       SUM(COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100)::numeric(12,2) as total_owed,
        COUNT(*)::int as transaction_count
      FROM transaction_splits ts
      JOIN transactions t ON t.id = ts.transaction_id
diff --git a/src/app/transactions/page.tsx b/src/app/transactions/page.tsx
index 93a0f02..3603516 100644
--- a/src/app/transactions/page.tsx
+++ b/src/app/transactions/page.tsx
@@ -22,10 +22,13 @@ function formatDate(d: string) {
 
 const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
 
-function formatAmount(amount: number, type: string) {
+// `amount` is in the statement's native currency; pass the currency to label it
+// correctly. Callers showing a headline figure should pass amount_aud, which is
+// what every analytics query totals.
+function formatAmount(amount: number, type: string, currency = "AUD") {
   const formatted = new Intl.NumberFormat("en-AU", {
     style: "currency",
-    currency: "AUD",
+    currency,
   }).format(amount);
   return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
 }
@@ -947,7 +950,12 @@ function TransactionsContent() {
                   <td className={`p-2 text-right whitespace-nowrap font-mono ${
                     SPEND_TYPES.has(t.transaction_type) ? "text-red-400" : "text-green-400"
                   }`}>
-                    {formatAmount(t.amount, t.transaction_type)}
+                    {formatAmount(t.amount_aud ?? t.amount, t.transaction_type)}
+                    {t.currency && t.currency !== "AUD" && (
+                      <div className="text-[10px] text-zinc-500 mt-0.5">
+                        {formatAmount(t.amount, t.transaction_type, t.currency)}
+                      </div>
+                    )}
                   </td>
                   <td className="p-2">
                     <EditableTypeBadge
@@ -1000,7 +1008,7 @@ function TransactionsContent() {
                         </span>
                       ))}
                       <button
-                        onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
+                        onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount_aud ?? t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
                         className={`text-xs px-2 py-0.5 rounded transition-colors ${
                           t.splits?.some((s) => s.participant_id !== me?.id)
                             ? "text-amber-400 hover:text-amber-200 hover:bg-zinc-800"
@@ -1033,7 +1041,9 @@ function TransactionsContent() {
                         prefill: {
                           date: new Date().toISOString().slice(0, 10),
                           description: t.description,
-                          amount: t.amount,
+                          // Duplicates become manual (AUD) transactions, so seed
+                          // them with the converted figure, not the native one.
+                          amount: t.amount_aud ?? t.amount,
                           transaction_type: t.transaction_type,
                           merchant_normalized: t.effective_merchant || undefined,
                           category: t.effective_category || undefined,
diff --git a/src/lib/queries.ts b/src/lib/queries.ts
index 98e2d90..d477094 100644
--- a/src/lib/queries.ts
+++ b/src/lib/queries.ts
@@ -34,6 +34,9 @@ export interface TransactionRow {
   effective_merchant: string;
   // statement context (null for manual transactions)
   bank_name: string;
+  // Native currency of the statement this row came from ('AUD' for manual rows).
+  // `amount` is in this currency; `amount_aud` is the converted figure.
+  currency: string;
   owner_id: number;
   owner_name: string;
   // tags
@@ -198,6 +201,7 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
       COALESCE(o.category_override, t.category) as effective_category,
       COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
       COALESCE(s.bank_name, 'Manual') as bank_name,
+      COALESCE(s.currency, 'AUD') as currency,
       COALESCE(t.owner_id, s.owner_id) as owner_id,
       p.name as owner_name,
       COALESCE(src.created_at, t.created_at) as created_at,
@@ -362,8 +366,10 @@ export async function getParticipantBalances(ownerId: number, tagIds?: number[])
 
     LEFT JOIN (
       -- They owe me: their splits on transactions I own
+      -- Settle in AUD: on a foreign-currency row the amount column is in its own
+      -- currency, so splitting on it nets a USD figure against AUD ones.
       SELECT ts.participant_id AS pid,
-        (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100 AS signed_amount,
+        (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100 AS signed_amount,
         1 AS split_count
       FROM transaction_splits ts
       JOIN transactions t ON t.id = ts.transaction_id
@@ -376,7 +382,7 @@ export async function getParticipantBalances(ownerId: number, tagIds?: number[])
 
       -- I owe them: my splits on transactions they own
       SELECT COALESCE(t.owner_id, s.owner_id) AS pid,
-        -((CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100) AS signed_amount,
+        -((CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN COALESCE(t.amount_aud, t.amount) ELSE -COALESCE(t.amount_aud, t.amount) END) * ts.share_percent / 100) AS signed_amount,
         0 AS split_count
       FROM transaction_splits ts
       JOIN transactions t ON t.id = ts.transaction_id