Hi @Beach1968.
Upgrading your current plan is a great choice, especially since QuickBooks Online Simple Start does not include the Multicurrency feature. I understand how confusing it is to see multiple services without clarity on what each one includes. Let me clarify this further below.
Regarding the three services you mentioned, I recommend contacting the Apple Support team to get detailed information about these services. They are the ones who can provide accurate clarification and confirm the details for you.
Please know that only QuickBooks Online Essentials, Plus, and Advanced plans have the Multicurrency feature. Additionally, please note that once this feature is enabled, it cannot be turned off.
Before upgrading your subscription, I suggest checking this helpful resource to learn more about the usage and feature limitations of each plan: Know the limits of your plan.
I hope this clears up any confusion and helps you find the answers you need. If you have additional questions, feel free to leave a comment below. The Community team is always here to assist you. Have a great day!