The only difference between the two versions of AceMoney is the number of supported accounts. Both versions use the same file format and have the same user interface, same dialogs and forms. AceMoney Lite only supports two accounts while the full version of AceMoney provides support for unlimited number of accounts.

Each account can be in its own currency and you will be able to record transfers between the accounts. For instance, if you have a checking account and a credit card account, you will record a transfer from checking to credit card each time, you pay the credit card with a check.