The shortlist
5 things that do it.
UK budgeting app that links your bank accounts through open banking and tracks subscriptions.
- Free
- Basic plan: 'track wasteful subscriptions', up to 2 bank logins.
- Paid
- from £4.99 a month, Plus
- Best at
- Seeing subscriptions across more than one bank in one place.
- The catch
- The free plan links only 2 bank logins, and most of the budgeting tools sit behind Plus.
- iPhone
- Android
- web (paid plans)
UK money app that connects your accounts and watches spending, bills and subscriptions.
- Free
- Free version: connect accounts, regular payment and subscription tracking, weekly bill reminders and contract renewal reminders.
- Paid
- from £5.99 a month, Snoop Plus
- Best at
- Nudging you about subscriptions you don't use and bill price rises.
- The catch
- You have to connect at least one bank account, and tracking bills by pay cycle is a Plus feature.
- iPhone
- Android
If you bank with Monzo, Scheduled Payments lists Direct Debits, standing orders and recurring card payments, with predicted next dates.
- Free
- Included in the Monzo app; no charge mentioned for the feature.
- Paid
- price not checked
- Best at
- No extra app: it's already in your banking app.
- The catch
- It only sees payments made through Monzo, and the official write-up we found dates from 2018.
- Monzo app
US app that links your accounts and finds your recurring subscriptions and bills.
- Free
- Subscription tracking, account linking, spending trends and balance alerts.
- Paid
- from $7 to $14 a month, Premium
- Best at
- Finding subscriptions automatically, with paid help cancelling them.
- The catch
- US only: it works only for people in the US with US banks. Cancellation help is Premium, and bill negotiation takes a cut of what you save.
- iPhone
- Android
A tidy subscription list you fill in yourself, with reminders before bills are due.
- Free
- Free with in-app purchases.
- Paid
- from £0.99 one-off, cheapest in-app purchase (UK App Store)
- Best at
- Privacy: it never connects to your bank.
- The catch
- It doesn't find anything. You add each subscription yourself, and it's iPhone-only.
- iPhone
The same shortlist, as a table
| Thing | Free tier | Paid from | Platforms | The catch |
|---|---|---|---|---|
| Emmarel="nofollow noopener" | Basic plan: 'track wasteful subscriptions', up to 2 bank logins. | £4.99 a month, Plus | iPhone, Android, web (paid plans) | The free plan links only 2 bank logins, and most of the budgeting tools sit behind Plus. |
| Snooprel="nofollow noopener" | Free version: connect accounts, regular payment and subscription tracking, weekly bill reminders and contract renewal reminders. | £5.99 a month, Snoop Plus | iPhone, Android | You have to connect at least one bank account, and tracking bills by pay cycle is a Plus feature. |
| Monzo (built in)rel="nofollow noopener" | Included in the Monzo app; no charge mentioned for the feature. | not checked | Monzo app | It only sees payments made through Monzo, and the official write-up we found dates from 2018. |
| Rocket Moneyrel="nofollow noopener" | Subscription tracking, account linking, spending trends and balance alerts. | $7 to $14 a month, Premium | iPhone, Android | US only: it works only for people in the US with US banks. Cancellation help is Premium, and bill negotiation takes a cut of what you save. |
| Bobbyrel="nofollow noopener" | Free with in-app purchases. | £0.99 one-off, cheapest in-app purchase (UK App Store) | iPhone | It doesn't find anything. You add each subscription yourself, and it's iPhone-only. |
How we checked
What we read, and what we haven't tested yet.
We read each app's own website, help centre or App Store listing on 2 October 2026. We haven't connected a real bank account to any of them, so we can't yet say how many subscriptions each one catches. That test is next: one test account with known subscriptions, connected to each app, counting what it finds.
If none of these fit
The manual way.
You can do it by hand in ten minutes. Search your last three months of bank and card statements for amounts that repeat. Then check the subscriptions lists in your Apple ID or Google Play account, because bank apps can miss anything you pay for through the store.