Subscription tracker that finds every recurring payment

No. There is no bank login and no open-banking connection. You download a file from your online banking and upload it yourself. We never see your banking password, but it also means the list does not update on its own. Upload a newer statement when you want to bring it up to date, for example once a month.

Any bank or card provider that lets you download transactions as CSV, CAMT.053 (XML) or OFX/QFX. Most online banking offers at least CSV, usually under Transactions, Statements or Export. The tracker finds the date, amount and payee columns itself, in English and several other European languages. PDF, Excel and MT940 files cannot be read, so choose one of the supported formats.

It finds payments that repeat at a steady rhythm with a similar amount. A well-known service needs two payments, other suppliers three, and a yearly payment two that are about a year apart. Bills that change a lot from month to month, payments from cards you did not upload, and services billed through another platform can be missed. Add those by hand so they are in your totals and reminders.

No. Cancelling happens with the provider, usually in the billing settings of your account with them. The tracker shows what you pay, reminds you a few days before each renewal or free trial end, and keeps a list of what you have cancelled. If a later statement shows that a cancelled subscription charged again, it comes back to your active list with a warning.

A free trial does not show in a statement until it charges, so add it with Add one yourself. Enter the price you will pay after the trial, how often it is charged, the date of the first payment and the date the free trial ends. You get an email before the trial ends, and it is not counted in your totals until then.

Each currency gets its own monthly and yearly total, with no exchange rates guessed. OFX/QFX and CAMT.053 files include the currency, and so do CSV files with a currency column. Many CSV exports have none, so when you upload you choose the currency of the account, such as US dollars, pounds or Australian dollars. Each account remembers its currency for the next upload.

Only the payments out of the account: date, amount, currency, payee name and payment text. Money coming in and your balance are dropped while the file is read, and the file itself is not stored. You can delete one account’s payments, or all statement data, under Reminders and accounts at any time. Subscriptions you added yourself stay until you delete them.

Once a month is enough for most businesses. Overlapping files are fine: payments already uploaded for the same account are skipped, so you can download “the last three months” each time without creating duplicates. Each upload counts towards your plan: 3 in the free trial, 10 a month on Starter and 60 a month on Pro.

Yes, on Pro. The free trial and Starter include one account or card; Pro includes up to 10. You name each one when you upload its first statement, and all of them feed one list with combined totals. If the same payments end up in two accounts by mistake, they are only counted once.

Choose a plan to keep uploading statements and getting reminder emails. If you do not, your subscriptions, accounts and settings stay where they are and you can still open your list, but new uploads and reminder emails stop until you choose a plan.