diff --git a/src/app/transactions/page.tsx b/src/app/transactions/page.tsx
index acf02ce..fbeb8aa 100644
--- a/src/app/transactions/page.tsx
+++ b/src/app/transactions/page.tsx
@@ -1059,11 +1059,32 @@ 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_aud ?? t.amount, t.transaction_type)}
-                    {t.currency && t.currency !== "AUD" && (
-                      <div className="text-[10px] text-zinc-500 mt-0.5">
+                    {/*
+                      A row with no AUD figure must NOT be printed as AUD.
+                      `amount_aud ?? amount` formatted with the default currency
+                      rendered a USD 10,782.00 Wise credit as "+$10,782.00" in a
+                      column of AUD figures — the real value was about $15,500,
+                      and the row directly above it (the same payment from the
+                      statement) showed exactly that. The native figure is the
+                      only true one here, so it becomes the headline and the
+                      absence of a rate is stated rather than papered over.
+                    */}
+                    {t.amount_unconverted ? (
+                      <>
                         {formatAmount(t.amount, t.transaction_type, t.currency)}
-                      </div>
+                        <div className="text-[10px] text-zinc-500 mt-0.5" title="No AUD figure exists for this row — it is excluded from AUD totals">
+                          no AUD rate
+                        </div>
+                      </>
+                    ) : (
+                      <>
+                        {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">