Simple Accounting

Today, I've decided to take responsibility on YourSway finances. Earlier I was using plain text files to track my accounts and transfers, but handling >10 accounts (different personal accounts of all developers, corporate account, customers), using plain text files is a true suicide.

My main requirement: simplest operations on accounts and transfers from one account to another. Also I want to annotate transfers with tags and perform simple queries like "how much money I gave to Andrey this month". Also I want to store somewhere our debts (maybe as a tagged transfers). But I don't need to plan budget — I just need to see the whole story and current state. So mostly it'll be a personal tool than "small business". Ah, the last important requirement — perfect UI.

Today I've tried the following tools:

1. Moneydance, http://moneydance.com/ — looked promising at first glance, but UI incredibly sucks — I failed just to add a simple transaction. Rejected.
   
2. Xero, https://www.xero.com/ — online accounting tool. They entertained me with their way to check if I'm a human — I had to win tic-tac-toe game instead of standard captcha. Supports accounts management, invoices, reports, graphs. Functionally looks full. UI is acceptable, but not beautiful. In addition, tracking simple money transactions from one account to another still feels too complex. Rejected.
   
3. Quicken Online, http://www.quickenonline.com — another online app. For some reason they asked me about my bank. As far as I understood they link your operations to real bank accounts. I must googled wrong words. Rejected.
   
4. Mint, https://wwws.mint.com/ — looks sexy and interesting. But I failed to add any account because they link operations to real bank accounts too. A wrong pick again.
   
5. Expensr, https://www.expensr.com/ — yet another online app. Allows simple accounts, transactions between them, has a nice table showing transactions, simple statistics. Generally it's the first app that doesn't suck, but 1) it doesn't support accounts in different currencies (maybe I just haven't found that) 2) there are a lots of small but nasty details in UI. Rejected.
   
6. moneytrackin, http://www.moneytrackin.com/ — another good online app. It supports almost all features I need too (accounts, transfers, tags). And I would choose this one... but 1) it doesn't show all accounts balance on a single screen 1') it doesn't show list of _all_ transactions on a single screen 2) it shows too much of ad. Rejected.
   
7. Squirrel, http://www.squirrelapp.com/ — desktop app. Cool (maybe even TOO cool, too much animations) UI, but not very functional. I can't pick different currencies for different accounts. Transfers can't be annotated. But this app won Apple Student Product Design Award 2008. To tell the truth it really looks like a student's project. Rejected.
   
8. Money, http://www.jumsoft.com/money/ — desktop app. Actually, the best app I found. It can everything I need. Except the one critical bug: when I transfer money from an account in euro in an account in rubles, it decreases the same number from both account WITHOUT any conversion. Since all my accounts are in different currencies, I can't use it. Rejected.
   

It's surprising, but I haven't found anything which was better than old good Excel. I'll definitely try to describe my expectations later and explain in details what I want to see. Perhaps you can advise smt to me. But right now I can say that I don't know any usable tool for small business accounting.