If you invoice customers in other currencies, Xero's Aged Receivables report won't show what they owe in their currency. Every amount is converted to your base currency, and there is no option to switch. This guide shows what the report does with foreign currency invoices, which rate it uses, and the reports to use when you need the amounts in the invoice currency. We checked the screens in Xero's Demo Company on 20 October 2026, with a euro invoice in a US dollar organisation.
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Quick answer
- The Aged Receivables Summary and Detail reports show every outstanding invoice in your base currency. Xero's help centre says so for both aged receivables and aged payables.
- Turn on the exchange rate note and Xero lists the rates it used under the report. In our test the rate shown was the one as at the report date.
- To see amounts in the invoice currency, use the Receivable Invoice reports or the Foreign Currency Gains and Losses report. Neither is aged in the same way.
What the aged report does with a foreign invoice
In the Demo Company (base currency US dollars) we added euros as a currency and raised one invoice for EUR 1,082.50, due on 31 August 2026. On the Aged Receivables Summary run at 31 October 2026, that customer's row showed 1,213.75 in the two-months column and in the total: the euro amount converted at Xero's rate of 0.891865 EUR per USD. There was no currency column and no option to run the report in euros.
Once an organisation has a foreign currency, the report's More menu gains two options that aren't there otherwise:
- Show currency details puts a small currency icon next to converted amounts. Click it to see the exchange rate details for that figure.
- Exchange rate note adds a note under the report: "Exchange rates used to convert foreign currency into USD are shown below. Rates are provided by XE.com unless otherwise stated." It then lists each currency with its rate and the date of that rate.
In our test the note listed the rate as at the report date (the latest rate Xero had). Xero doesn't document which rate the aged reports use. If it is the report-date rate, the same unpaid invoice will show a different base amount as rates move, even though the customer still owes the same number of euros.
Xero has said the same about its plans. On a request to add the original currency to the aged payables reports (113 votes in October 2026), Kelly Munro, a Xero community manager, wrote in June 2025: "Right now the aged reports will run in the organisation's base currency," and "we don't have any plans for adding more currency options in the aged reports right now" (Xero Product Ideas).
Where Xero does show the invoice currency
| Report | Shows the invoice currency | Ageing buckets |
|---|---|---|
| Aged Receivables Summary and Detail | No, base currency only | Yes |
| Receivable Invoice Summary and Detail | Yes, with the foreign exchange columns added | No |
| Foreign Currency Gains and Losses | Yes, one receivables balance per currency | No |
| Unrealised Gains and Losses | Yes, per invoice | No |
Receivable Invoice Summary and Detail
These are the closest thing to an aged report in the customer's currency. Xero's help centre says they can show foreign currency amounts in both the source and base currency: add the columns in the Foreign exchange (FX) group, and the Currency Rate column if you want the rate. Xero's community manager suggests adding a filter on invoice status so only invoices awaiting payment show. The result is a list of what each customer owes, in their currency. You lose the ageing columns, so export to Excel and work out the days overdue there.
Xero's own articles disagree on the rate behind the base currency balance. The Summary article says the balance is converted at the rate as at the report date. The Detail article says it uses the rate from when the transaction was added. Run both for one foreign invoice and compare before you rely on the base figure.
Foreign Currency Gains and Losses
This report has a receivables section with one line per currency: the balance in that currency, the same balance revalued in your base currency, and the realised and unrealised gains. It answers "how many euros are we owed in total" but not who owes them. Click a receivables balance to open the Unrealised Gains and Losses report, which lists each unpaid invoice with the amount due in its own currency, the base amount at the invoice date and the revalued base amount. Filter it by currency to see one at a time, but it has no ageing buckets.
Why aged receivables may not match the balance sheet
In a multicurrency organisation, the aged receivables total and the accounts receivable balance on the balance sheet don't always agree. Xero doesn't document exactly why. Two likely causes: unrealised gains on unpaid foreign invoices are calculated separately, at today's rate, and converting invoices one by one can leave rounding differences. A user request from July 2026 about aged payables not reconciling with the balance sheet puts the gap down to rounding, and it was still open in October 2026 (Xero Product Ideas). When the two don't match, the receivables lines of the Foreign Currency Gains and Losses report for the same date are the place to start.
Which Xero plans include multicurrency
You only see any of this in a trial organisation or on a plan that includes multiple currencies. Xero's pricing pages list multiple currencies on Established in the US, and on Comprehensive and Ultimate in the UK and New Zealand. In Australia the comparison table lists it on Comprehensive and the Ultimate plans. We checked these in October 2026. Plans change, so check your own region's pricing page.
Getting it from Xero's API
For anyone building their own report: the API's aged receivables report (AgedReceivablesByContact) works one contact at a time and has no currency setting. The usual route is to read the unpaid sales invoices, which carry their own currency code, amount due and exchange rate, then group them by currency and bucket them by due date yourself. Watch out for contact balances in the API: Xero's spec says they are "not converted to base currency", so adding them up across currencies gives a meaningless total.
Sending it every week
Xero's standard report screens have no schedule option. Reportpost sends two lists that help here, by email as PDF, Excel or CSV on the day you choose:
- The Unpaid Invoices list shows each invoice in its own currency, and, when there is more than one currency, a currency column and a total per currency, plus how many days each is overdue.
- The Aged Receivables Summary gives one row per customer in your base currency, converted at the rate recorded on each invoice. Xero's report showed the rate as at the report date in our test, so the two totals can differ when rates have moved.
Try the demo with sample data.
Related: the Xero debtors report explained, emailing aged receivables weekly and the free chase list tool.