How to Accept Multiple Currencies on Shopify

Who it is for

Stores selling to shoppers in other countries

Time needed

An hour for the first market

What you need

Shopify Payments or Adyen as your processor

A shopper in Manchester who sees $49.00 on your product page has to do sums before buying, and then wonders what their bank will add. Show £39 instead and that friction disappears. Selling in local currencies is one of the simplest changes a store with international traffic can make, and Shopify builds it in. What isn't obvious is how the money moves once you switch it on: who pays the conversion, what your payout looks like, and what happens on refunds.

This guide covers the full setup, step by step, and the decisions behind each setting. Rules and fees come from Shopify's Help Center as checked on 7 November 2026. I'll use a US store selling to the UK and EU as the running example, but the steps are the same from any country.

How multi-currency works on Shopify

Three currencies are involved, and keeping them apart makes everything else easier:

• Store currency. The currency your product prices are entered in, set when the store was created.
• Customer currency. What the shopper sees and pays in. It's set per market.
• Payout currency. What lands in your bank. For most stores this is your home currency.

When a shopper pays in a currency that isn't your payout currency, Shopify converts it at a mid-market rate and charges a conversion fee. The requirement for all of this is Shopify Payments or Adyen as your card processor. Shopify's pricing page lists showing prices in local currencies as a Shopify Payments feature.

What it costs

The fee only applies when the payment currency differs from your payout currency. A UK store selling to UK shoppers at £ prices pays nothing extra. The exchange rate itself is a mid-market rate with no markup, so the fee is the whole conversion cost.

Keep a second, separate charge in mind: cards issued outside your country carry a higher processing rate whatever currency the shopper pays in. On UK pricing, for example, an international card costs 3.1% + 25p on Basic, against 2% + 25p for a UK card. My Shopify fees explained guide covers that rate in detail.

How to turn on local currencies, step by step

1. Confirm your processor. Go to Settings > Payments and check Shopify Payments (or Adyen) is your card processor.
2. Create your markets. Go to Markets and add the countries you sell to, either as single-country markets or grouped, such as a Europe market.
3. Open a market. Click the market you want to set up.
4. Add the currency. Click the plus icon next to Currency and choose the currency. Single-country markets default to that country's currency. Multi-country markets use local currencies by default.
5. Choose the exchange rate. Select Dynamic to convert prices automatically, or Manual to set a fixed rate. The next section explains the difference.
6. Turn on rounding. Activate Rounding so converted prices land on normal price points.
7. Save. Click Done, then Save.
8. Preview it. From Markets, view your online store as that market and check product, cart and checkout prices.

Repeat for each market. If you'd rather a multi-country market used one currency, open its currency settings, turn off Local currencies and save.

Dynamic or manual exchange rates

This is the decision that matters most, because it decides who absorbs the conversion fee.

I set dynamic rates with rounding for most clients. Manual rates suit stores that print prices in catalogs or run ads with a fixed price in the creative, but they need watching: if the currency moves against you, every sale earns less until you update the rate.

Set fixed prices for a market

If you want £39 exactly, rather than whatever the conversion gives, use a catalog:

1. Create the catalog. Go to Markets > Catalogs and click Create catalog.
2. Pick the currency. In the Pricing section, choose the currency in Set prices in.
3. Enter prices. In the Products section, click Price for each product and enter the fixed price, plus a Compare-at price if you use one. Save.
4. Assign it. Go to Markets, open the market, click the plus icon next to Catalogs, select your catalog, click Done and save.
5. Check it. Go to Products, click View as and choose the market.

A fixed price overrides any percentage adjustment on the catalog. You can also use a percentage adjustment instead of fixed prices, for example to cover higher shipping costs to one market. Fixed prices take more upkeep, so I use them only for best-sellers and products advertised abroad.

Add a country selector to your theme

Shopify redirects shoppers to their market automatically using their IP address, but IP location isn't always right, and the redirect only applies to the first page they visit. A selector lets shoppers fix it themselves.

1. Open the theme editor. Go to Online Store > Themes and customize your published theme.
2. Choose the location. Open the header or footer section.
3. Turn on the selector. Switch on Country/region selector, and Language selector if you've added languages.
4. Save.

Shoppers choose a country, and the currency follows from that country's market. On mobile, check the selector is easy to find in the menu, not buried at the bottom of a long footer.

Checkout, refunds and chargebacks

Shoppers pay in their market's currency at checkout, including manual methods such as bank transfer, which display in each market's currency. Local payment methods such as iDEAL | Wero only appear when the shopper's country and currency match, which is one more reason to set markets up properly. My guide to accepting iDEAL on Shopify shows how that works for the Netherlands.

Refunds and chargebacks go back in the shopper's original currency, converted at the current rate. Shopify doesn't charge a second conversion fee on refunds, but the conversion fee and card fee from the original sale aren't returned. If the rate has moved, the amount taken from your balance can differ slightly from what you received.

Getting paid in more than one currency

By default, every sale is converted to your payout currency. Advanced and Plus stores can add bank accounts in other currencies and be paid in them, which avoids converting money you'll spend in that currency anyway, such as € for an EU supplier.

1. Open the settings. Go to Settings > Payments and click Manage in the Shopify Payments section.
2. Add an account. In Payout accounts, click Add bank account.
3. Enter the details. Choose the payout currency and the bank's country, add the account owner and bank details, and click Next.

Payouts to a non-domestic currency account carry a Multi-Currency Payout fee, which Shopify lists at 0.75% to 1.5% depending on your plan and region. Sales in a currency without a matching account are converted to your default account with the normal conversion fee. Adding or replacing a payout account more than 24 hours after setup can pause payouts for 3 to 5 business days. My guide to Shopify payouts and reconciliation covers how to reconcile each currency, and the Grow vs Advanced comparison helps if multi-currency payouts are your reason to upgrade.

Common mistakes

• Using a third-party card processor. Local currencies won't work at all, and shoppers abroad see your store currency.
• Manual rates set and forgotten. A rate set a year ago can be costing you on every order.
• No rounding. Prices like €93.38 look like a currency converter, not a local store.
• Hard-coded prices in the theme. Prices typed into banners or images don't convert. Use text that Shopify formats, or create market-specific content.
• Apps that ignore currency. Some bundle, upsell and free-shipping bar apps show store-currency amounts. Check each one in every market.
• Free shipping thresholds in one currency. A "$75 for free shipping" message makes no sense to a UK shopper paying in £.

Multi-currency checklist

• Shopify Payments or Adyen active as your card processor.
• Markets created for each country or region you sell to.
• Currency added to each market, with dynamic or manual rates chosen deliberately.
• Rounding switched on.
• Fixed prices set through a catalog for key products, if needed.
• Country selector visible in the header or footer, and in the mobile menu.
• Product, cart and checkout previewed as each market.
• Apps, banners and shipping thresholds checked in each currency.
• Multi-currency payout accounts added, if you're on Advanced or Plus and it saves you conversions.

Next steps

Start with one market that already sends you traffic, set it up with dynamic rates and rounding, and preview every page as that market before you add the next. If you're weighing one store with Markets against separate stores per country, the Markets vs multiple stores comparison covers it. If you'd like help setting up international selling properly, send me your store for a free review. Store development starts from $300, with a fixed quote for every project.

Frequently asked questions

Sources

1. Local currencies in Markets, Shopify Help Center
2. Currency conversion fees, Shopify Help Center
3. Product prices by country, Shopify Help Center
4. Payouts in multiple currencies, Shopify Help Center
5. Localization and selectors, Shopify Help Center
6. Shopify pricing (UK), Shopify

Related services and work

Written by Ashraf Siddik

I'm a Shopify developer and CRO specialist. I have built and improved Shopify stores since 2018, completed more than 1,000 projects, and hold a 4.96 average rating across 719 client reviews.

About me · Client reviews