How to Find All Your Subscriptions By Securely Linking Your Bank Account (2026)

In this article

• What a bank connection gives you, and the two things it structurally cannot see
• What Plaid actually receives, what it stores, and what the $58 million settlement required it to change
• The inbox sweep, with the correct search syntax for Gmail, Outlook, Yahoo, iCloud and Proton
• Why every provider's built-in subscriptions view misses your annual renewals
• The exact path to each billing hub, from each company's own documentation
• Why blocking a charge at your bank does not cancel anything, said in six banks' own words
• Fourteen tools compared on how they find subscriptions, what they cost, and whether they can cancel
• What the law requires in September 2026, which is less than most people assume
• The part that survives cancellation, which is the account itself

Why most subscription advice fails before you start

Nearly every guide on this subject opens by telling you to sit down and list what you pay for. That advice has one flaw and it is fatal: it only finds what you already remember. The expensive ones are the ones you forgot, and memory is the exact faculty that failed you.

The numbers on that are consistent across sources that have nothing to do with each other. CNET's 2026 subscription survey found US adults throwing away more than $250 a year on subscriptions they do not use. Self Financial's March 2026 survey of 1,272 US adults found 59.9% holding at least one paid subscription they had not used in 30 days, averaging 2.6 of them at $26.79 a month, and 70% saying they had forgotten to cancel a free trial and been converted to paid. Deloitte's Digital Media Trends 2026, fielded across 3,575 US consumers in October and November 2025, put average household streaming video spend at $69 a month across four services, and that is streaming alone, before music, storage, software, gyms, delivery memberships or the app you subscribed to once in an airport.

None of those people were careless. They were relying on recall for a category specifically engineered to be forgettable.

There is a better starting point and you already own it. Every subscription you have ever begun sent you something in writing. You signed up, a receipt or a welcome message arrived, and it is still sitting in your mailbox. No bank connection required for that part. Just a few searches and some patience.

What a bank connection actually buys you

Worth being fair about this, because the rest of the page is a case for starting somewhere else.

A bank or card connection gives you the exact amount charged, to the cent. It gives you the price increases you never noticed, because the number on the statement moved while you were not looking. It surfaces charges that never generated an email you kept, which is a real category: the receipt that went to an address you abandoned, the one that landed in spam, the one from a company that simply does not send them. And it gives you upcoming renewal dates for anything that has already billed at least once.

Those are worth having. Yorba sells a bank connection for exactly those reasons, in the US, Canada and thirteen EU countries.

Now the limits, which are documented rather than argued.

A transaction feed only reaches back as far as the app asked it to. Plaid's own developer documentation is specific: the days_requested parameter "controls how many days of history Plaid requests from the financial institution in the initial pull", the default is 90 days, and the maximum is 730. An annual subscription that billed four months ago is not hidden from you by anyone's bad faith. It is outside the window.

A transaction feed cannot see anything that has not charged you. The free trial converting in nine days. The loyalty account you opened for a discount code. The newsletter. The app login from 2019 that still holds your address and your card. None of those are transactions, so none of them appear, and collectively they are most of what you have accumulated online.

So a bank link is a strong confirmation layer and a weak discovery layer. Everything that follows is about discovery.

If you do link a bank, do it knowing what you are handing over

The hesitation people feel here is not paranoia and it deserves a straight answer rather than reassurance.

To find recurring charges, a finance app requests read access to your transaction history. Plaid's End User Privacy Policy lists the categories plainly: identifiers including "name, email address, date of birth, Social Security number, and phone number"; account data including "financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code"; and transaction data including "amount, date, payee, type, quantity, price, location, involved securities, and a description". For the Transactions product it describes "up to 24 months of categorized data". You asked a question about eleven recurring charges. The answer required a picture of your financial life.

The credential question has a precise answer and most coverage gets it wrong in both directions. Plaid's own consumer help centre distinguishes two connection types. Where your bank supports OAuth, you log in at your bank and Plaid "does not store account credentials", because the bank issues a token instead. Where it does not, "you may be asked to authenticate and grant access to your financial data by providing your bank account login credentials directly to Plaid. We store those credentials." Both sentences are Plaid's. Which one applies to you depends on your bank.

The settlement, accurately. In Cottle et al. v. Plaid Inc., consolidated as In re Plaid Inc. Privacy Litigation in the Northern District of California, case number 20-cv-03056-DMR, Plaid agreed to a $58 million settlement. Preliminary approval came on 19 November 2021 and final approval on 20 July 2022. The allegations, as the settlement site summarises them, were that Plaid "obtained more financial data than was needed by a user's app" and "obtained log-in credentials (username and password)" through Plaid Link. The court's order recites plaintiffs' further allegation that Plaid "designed the login screens in its interface to give them the look and feel of login screens used by individual financial institutions". Those are allegations recited in a settlement context, not findings of fact, and Plaid "denies these allegations and any wrongdoing". Under the settlement Plaid agreed to delete certain previously retrieved transaction data, minimise what it stores going forward, and give prominent placement to the Plaid Portal.

The portal is the part almost nobody uses. At my.plaid.com you can view every connection you have made through Plaid, see what data types each app receives, disconnect accounts, and delete your financial data from Plaid's systems. Two caveats from Plaid's own help pages. Deletion is not unconditional: Plaid "may retain some information after the completion of the data deletion request, as permitted or required by applicable law". And nothing on those pages says that deleting from Plaid removes data the app itself already holds. Treat that as an absence of any promise rather than a denial.

Plaid is not the only aggregator and ownership matters. Finicity was acquired by Mastercard for $825 million, announced in June 2020. Tink was acquired by Visa, announced 24 June 2021. Akoya was spun out of Fidelity's parent and is jointly owned with The Clearing House and eleven member banks including JPMorgan Chase, Capital One, Citi and Wells Fargo. Yodlee belongs to Envestnet, which Bain Capital took private for roughly $4.5 billion in a deal completed 25 November 2024. In January 2020, Senators Wyden and Brown and Representative Eshoo urged the FTC to investigate Envestnet and Yodlee over collecting and selling consumers' financial data, writing that "consumers' credit and debit card transactions can reveal information about their health, sexuality, religion, political views, and many other personal details". There is no publicly announced enforcement outcome from that request. MX and TrueLayer remain independent, and Visa is an investor in TrueLayer rather than its owner.

The regulation that would settle this is not settled. The CFPB's Personal Financial Data Rights rule under Section 1033, published 18 November 2024, would have given consumers a legal right to their own data and set rules for sharing it. Forcht Bank and the Kentucky Bankers Association sued on 22 October 2024. In May 2025 the Bureau told the court it had determined the rule was unlawful and should be set aside. On 29 October 2025 the court enjoined the CFPB from enforcing it pending reconsideration. The first compliance date of 1 April 2026 passed without taking effect, and as of August 2026 a replacement proposal was at White House review. In the EU, PSD2 still governs account information services, and the PSD3 and Payment Services Regulation package reached provisional political agreement in November 2025 with texts put to national representatives in April 2026. The Financial Data Access regulation, proposed in June 2023, remains in trilogue.

The narrow version of the argument, then. Not "never link a bank". Rather: you should not have to hand over your whole financial history to answer a small question, the answer you get back is incomplete anyway, and optional is the right setting for it.

Start in your inbox, because it is the only place a forgotten subscription leaves a trace

Think about how a subscription begins. You sign up. Something arrives confirming it. That message sits in your mailbox for years, whether or not the card on file still works, whether or not you ever opened it.

That is the whole insight: the receipt predates the charge. Anything you have genuinely forgotten shows up in your inbox before it shows up in a transaction feed, often by years, and a dead card does not delete the paper trail.

There is a second reason the mail is reliable, and it comes from the card networks rather than from any email provider. Visa's subscription rules, effective 18 April 2020, require merchants to send the cardholder a copy of the terms at enrolment and to disclose on transaction receipts the length of any trial, the fact that you will be charged unless you cancel, the amount and date of the initial and recurring charges, and "a link or other simple mechanism to enable the cardholder to easily cancel any subsequent transactions online". Visa also requires a reminder, by email or SMS, at least seven days before charging when a trial ends. Mastercard's rules, effective 22 September 2022 and modified on 11 October 2022, require an electronic receipt after each approved recurring authorisation which "must include or provide access to instructions for account management capabilities, including instructions for canceling the subscription". One caveat on that second one: after the October 2022 modification the per-billing receipt is best practice for all merchants and mandatory only for merchants flagged in Mastercard's Acquirer Chargeback Monitoring Program for four months or more. So the mail is not a universal legal guarantee. It is close enough to one that your inbox is the richest record you have.

The search block, and how the syntax differs by provider

In Gmail, run each line below as its own pass. Google documents older_than: and newer_than: with a number followed immediately by d, m or y, so older_than:2y is valid.

receipt from

your receipt

payment confirmation

we've charged

your plan renews

your subscription

auto-renew

trial ending

thanks for your order

subscription confirmation

welcome to

confirm your email

older_than:2y

Two Gmail refinements worth knowing. in:anywhere extends a search into Spam and Trash, which is where a surprising share of billing mail lives. And older: takes a date in YYYY/MM/DD form while older_than: takes a duration, which is the single most common mistake people make with these.

The other providers do not work the same way, and copying Gmail syntax into them silently returns nothing useful.

Outlook.com has no duration operator. Microsoft documents From:, To:, Subject:, Body:, Received:, Category: and HasAttachment:yes, with Received: taking dates in MM/DD/YYYY form and ranges expressed with two dots. Age has to be written as an absolute date range.

Yahoo Mail has something better than syntax for this job. Its Views include a Receipts view, which Yahoo describes as a way to "manage and track your purchases in one place", and a Subscriptions view that "groups up your active or unsubscribed subscriptions".

Proton Mail does not search message bodies by default. Proton's own documentation says search covers subject, sender or recipient address, folder and date, and that "to search the contents of your emails, you'll need to enable search message content". That content index is built locally in your browser, per browser and per device, and Proton warns that a large mailbox can exceed the browser's storage, in which case it shows you how far back search can actually reach. A deep sweep on Proton can be truncated without announcing itself.

iCloud Mail has Cleanup, which Apple describes as help to "keep your inbox uncluttered and free up storage by deleting old promotions, unsubscribing from mailing lists in bulk, and more", with recommendation types including Clean Up Old Promotions and Archive Old Transactions. It works on iCloud Mail rather than on third-party accounts you have configured inside Mail, which catches out anyone using Mail.app as a front end for Gmail.

The built-in subscription views, and the flaw they share

Four providers now ship a view for this, and they are genuinely useful. They also share one limitation that nobody advertises.

Gmail's Manage subscriptions launched on 8 July 2025. Google's description: "Your active subscriptions are sorted by the most frequent senders alongside the number of emails they've sent you in the past few weeks." Unsubscribing from it is real rather than cosmetic, since "Gmail will send an unsubscribe request to the sender on your behalf", though Google notes it "can take a few days for the sender to unsubscribe you". Find it in the navigation bar at the top left on web, or under Menu on Android and iOS. Google still says the feature "is gradually rolling out and may not be available to you yet", and it launched to "select countries" that Google has never enumerated.

Outlook.com's Subscriptions view sits at Settings, then Mail, then Subscriptions. Microsoft explains how the list is built: "Outlook.com examines incoming emails to determine if they are part of a subscription from the sender. After filtering out junk mail, it looks for subscription identifiers in the message header." Header-based detection means a sender who does not implement the standard header does not appear.

Proton's Newsletters view launched 25 June 2025 and shows senders with the "number of emails received in the past 30 days", split into Active and Unsubscribed tabs.

Yahoo's Subscriptions view is described above.

Here is the flaw. Gmail sorts by frequency over "the past few weeks". Proton counts the past 30 days. Both are activity windows. The subscription that costs you the most is the annual one that emails you once, on renewal day, eleven months from now. It will not appear in any of these views today, which is precisely why the manual date-ranged search still matters.

A receipt is evidence, not a verdict

Finding a billing email does not mean you are still being charged. Sort what you turn up into four piles, because they need different actions.

Still charging. Recent receipts, live account, money leaving on a schedule. This is the pile that costs you money today.

Cancelled, account still open. You stopped the payments. The login, the stored card and the order history did not go anywhere.

Never charged anything. The free account, the loyalty signup, the abandoned trial. Costs nothing, holds everything you gave it.

Genuinely dead. Service shut down, or an account you closed properly years ago. Ignore it and move on.

One more thing, and it catches the worst offenders. Most people have two mailboxes: the address they read daily, and the older one they used to sign up for things a decade ago. The second one is where the forgotten annual subscriptions live. Search both, and search whichever address you use for shopping.

Then open the billing hubs, because one charge often hides several subscriptions

Your inbox finds the forgotten ones. The billing hubs find the bundled ones. A single statement line reading APPLE.COM/BILL can be five separate subscriptions stacked behind one charge, and expanding it needs no bank connection at all, because you are only logging into your own account.

Apple says so itself: "A charge on your financial statement from apple.com/bill could be for apps, subscriptions, music and movie purchases, or more from Apple." Apple also warns that on a card statement "multiple purchases might be grouped together as one line item on your PDF statement or on your transactions in the Wallet app, even if you made the purchases on different days".

Apple

On iPhone, iPad or Vision Pro: Settings, tap your name, tap Subscriptions. On a Mac: open the App Store app, click your name at the bottom left, then Account Settings, then Subscriptions. From any browser, including a Windows machine: account.apple.com/account/manage/section/subscriptions.

What to know before you trust the list. If a subscription shows no Cancel button or an expiration message in red, Apple says it is already cancelled. You cannot cancel a family member's subscription, and Apple's instruction is to ask the person whose Apple Account appears on the receipt to do it. Most importantly, this list is not a list of your subscriptions. It is a list of the ones Apple bills. For anything else, Apple's own guidance is blunt: "To cancel the subscription, you must contact the company that bills you for the subscription." If you are cancelling a trial, Apple asks for at least 24 hours' notice before it ends.

Google Play

In the app: tap the profile icon at the top right, then Payments & subscriptions, then Subscriptions. On the web: play.google.com/store/account/subscriptions.

Google's documentation is unusually direct about the two things people get wrong. "When you uninstall the app, your subscription won't cancel." And when a subscription is missing, Google frames it as an account problem rather than a device problem: "If you can't find your subscription, it may be on a different account", noting the email used with the app may differ from the Google Account, and that you may have subscribed on a family member's account. Cancelling leaves access running to the end of the period you paid for, and past subscriptions "can't be refunded, with some exceptions".

There is an asymmetry with Apple here that matters if you are chasing a stubborn subscription. Apple gives developers no way to cancel on your behalf. Google does: a Play Console developer with the Manage orders permission can cancel a subscription from their side, and Google notes that "canceling a subscription doesn't issue a refund".

PayPal

On the web: Settings, then Payments, then Subscriptions and saved businesses, which some accounts and regions still label Automatic Payments. In the app: Menu, then Subscriptions or Linked Businesses, then the merchant.

This is the highest-yield hub for old software, hosting, donations and anything from before the app stores took over, because a PayPal billing agreement is a standing mandate the merchant holds against your PayPal account rather than a card number sitting in the merchant's own vault.

And PayPal states the trap better than anyone else in this article: "canceling a payment method through PayPal stops future charges to your PayPal account, but this action typically does not cancel the underlying subscription or contract with the service provider." Their recommendation is to contact the merchant directly to close the service.

Amazon

Go to Your Memberships and Subscriptions. Amazon's help page says it contains "a list of your active, canceled, and expired subscriptions" along with "subscription information including renewal date and price", and covers Prime and Prime Video. To stop one: locate it, select Manage Subscription, then Cancel Subscription under Advanced Controls. Some digital subscriptions expose an Auto-Renew toggle instead, which Amazon describes as a way "to stop the recurring charge for your subscription or free trial before the renewal date".

The expired and cancelled entries are worth reading rather than scrolling past, because they tell you which accounts still exist.

Microsoft

Go to account.microsoft.com/services. Two warnings from Microsoft's own page, both easy to miss. Turning off recurring billing is not cancelling: "If you turn off recurring billing, you won't be billed in the future. You (and anyone you have shared your Microsoft 365 Family subscription with) can continue to use your subscription as normal until the expiry date." And if you bought through a third party, Microsoft cannot help: subscriptions purchased "from a 3rd party billing partner such as the Apple Appstore, Google Play, or certain retail partners" have to be managed there.

Roku

Go to my.roku.com/subscriptions, open the subscription under Active subscriptions, select Manage subscription, then Turn off auto-renew. On the device, highlight the channel on the home screen and press the Star button. Roku's scope note is the useful part: "Subscriptions billed by Roku appear as charges from 'Roku,' 'Roku for ___,' or 'The Roku Channel.'" Cancelling keeps access to the end of the cycle, with no partial refunds.

Work through these in order and expect the app stores to yield the most, because they bundle most cleanly. One APPLE.COM/BILL line has convinced a lot of people they had one subscription when they had five.

Your bank may already have a subscription view, and it may be less than you think

Before paying anyone for detection, check whether your own bank does it. The results vary wildly by institution, and the published evidence is thinner than the marketing suggests.

Capital One has the strongest offering of any US issuer, and it is free. Expected Transactions in the Capital One Mobile app "automatically identifies subscriptions and recurring charges on your Capital One credit card", requires "no extra sign up", and can cancel at participating merchants, a capability powered by Minna Technologies and usually processed in under five business days. Capital One also publishes its own limits, which is rarer than it should be: "Not all recurring charges and subscriptions may be identified in your list of expected transactions", detection "may take a few billing cycles", and blocking is not cancelling, since "blocking a charge does not cancel any subscription tied to that charge, and the customer is responsible for working with the merchant to cancel any related subscriptions". A blocked recurring transaction stays blocked for 12 months.

Revolut launched its subscriptions feature on 6 October 2020. Find it under Payments, then the calendar icon at the top right. You can view a subscription, unmark it, or block future payments, and Revolut states that "blocking future payments in-app doesn't cancel the subscription".

Wise puts recurring card payments under the Payments tab. Two constraints: it only shows recurring transactions made on or after 1 January 2025, and blocking is permanent, since "blocking is not reversible" and paying that merchant again requires creating a new Wise card.

Lloyds surfaces subscriptions under the three-dot menu on an account, and is honest about the detection lag: "We can show some subscriptions after your first payment. After you've made a second payment, we'll be able to show you more details." Blocked payments due within 24 hours may still go out.

N26 documents blocking direct debits rather than card subscriptions, and says that "cancelling a direct debit only stops payments, it won't cancel the contract you have with a merchant".

The banks that publish nothing. American Express, Citi, Bank of America and Discover document no consumer subscription list at all on their own sites. Amex's own guidance on recurring payments, published 23 May 2025, tells customers to check statements routinely and then contact the company directly. Amex's UK recurring payments FAQ covers the opposite service: passing your new card number to merchants so recurring charges keep working after a card is replaced. Chase documents Stored cards, reachable in the Chase Mobile app under Account Services, which shows businesses that have your card saved and their recent charges. It is a monitoring view, not a stop button.

And the myth worth killing. Freezing your card does not stop subscriptions. Wells Fargo says so in one sentence: "Turning your card off will not stop card transactions presented as recurring transactions or transactions using other cards linked to your deposit account."

If your bank does show subscriptions, the machinery behind it is often the same in every case. Mastercard sells Subscription Controls to issuers so consumers can manage subscriptions inside their own banking app, naming Swedbank, Lloyds Banking Group and Capital One as partners, and the underlying vendor is Minna Technologies. In the UK, Which? reported on 22 August 2026 that Barclays, Monzo, NatWest, Revolut, Santander and Starling all offer tools for spotting recurring payments, with varying ability to actually stop them.

Notice what every one of those institutions says in its own words. PayPal, Revolut, Wise, Lloyds, N26 and Capital One all state that stopping the payment does not end the agreement. Six independent sources, one conclusion, and it is the most important sentence in this entire category.

If you want statement data without a live connection, export it

Maybe you are fine looking at your own statements. You just do not want to leave a standing read connection open. Export a CSV instead.

Download it from the bank website rather than the app, since the app usually will not export. Pull twelve months rather than three, so annual renewals actually land in the file. Sort by merchant rather than by date, so the same name stacks in one place, then scan for repeating amounts at regular intervals. That rhythm is what a subscription looks like in raw data.

Then brace for the descriptors, because this is where a manual statement review goes wrong.

Statement descriptors are short and often unrecognisable. Stripe documents that a descriptor "contains between 5 and 22 characters", that longer ones are truncated, and that "most banks display this information consistently, but some might display it incorrectly or not at all". Mastercard names the consequence directly: "transaction descriptions shown on card statements frequently don't include a clear and recognisable merchant name, leading cardholders to think a transaction is fraudulent when it's not."

The descriptor is frequently not the company you think you are paying. Google's own payments documentation maps GOOGLE *GOOGLE to YouTube Premium, GOOGLE *Google Storage to Google Drive, and GOOGLE *PROJECT FI to Google Fi. Fastmail bills through Paddle, so it lands as Paddle.net* Fastmail. Apple bills everything as apple.com/bill.

Merchant-of-record billing is a live regulatory issue, not a quirk. On 16 June 2025 the FTC announced that Paddle and its UK parent would pay $5 million to settle allegations that it "opened merchant accounts claiming to be a 'merchant of record' or software 'reseller,' then used these accounts to process card payments on behalf of numerous, unrelated third-party merchants". Legal analysis of the case made the consumer-facing point: where only the merchant of record's name appears on a statement, the true seller's identity can be concealed from both the card networks and from you.

There is a lookup for this. Visa Order Insight pushes enhanced merchant detail into your banking app so you can see what an unfamiliar charge actually was, and Visa reports merchants using it deflecting 40% to 45% of confirmed first-party misuse disputes. Mastercard's equivalent is Ethoca Consumer Clarity. Neither is something you install. They appear, or do not, inside your bank's app.

One genuinely useful detail buried in Visa's rules: where a charge relates to a trial, Visa requires a trial descriptor, so words like "trial" or "free trial" are meant to appear on statements, online banking, app screens and SMS alerts. If you see one, you are looking at a conversion date you have not diarised.

The tools, compared honestly

Every product below finds subscriptions. They disagree about where to look, and the disagreement is the whole story. Prices and details were checked on 11 September 2026.

1. Rocket Money

Bank connection required, through Plaid, with Akoya for Fidelity accounts. Detection is free. Cancellation is not. Rocket Money publishes no price on the web; its own explainer describes Premium as a "pay what you think is fair" model "typically ranging from $7 to $14 per month" with Premium+ at $15. It is United States only, with US banks only, per its help centre.

It will find charges nothing else finds, because it reads the transaction feed rather than the mail. It also states its cancellation limits plainly: "If you do not see a Cancel option for a specific subscription in the app, that means Rocket Money is not yet able to cancel that provider for you", and anything billed through Apple or Google has to be cancelled there. Bill negotiation costs 35% to 60% of the first year's savings, charged only on success.

The structural limit is the one at the top of this page. No bank connection, no product.

2. Monarch Money

$14.99 a month or $99.99 a year, with a seven-day trial and no free tier. Connects through Plaid, Finicity and MX. A genuinely good personal finance app with recurring-payment tracking inside it. It does not cancel anything for you, and it requires the bank connection.

3. Copilot Money

$13 a month, or $95 a year. Connects via Plaid, with Mastercard's Finicity, MX and Akoya for institutions Plaid cannot reach, plus direct integrations including Apple Card, Capital One and Coinbase. Web, iPhone, iPad and Mac, with no Android app. No cancellation service.

4. PocketGuard

$12.99 a month, $74.99 a year, or $149.99 once for a lifetime licence, with a seven-day trial. Connects through Finicity, Plaid, Salt Edge and Apple Wallet. US and Canada.

Correct the common misreport here: PocketGuard does not cancel for you. Its own page says "you need to head to each service's account and cancel a subscription directly there, then remove it from your list in PocketGuard".

5. Quicken Simplifi

$3.99 a month billed annually on a promotion running to 4 October 2026, regularly $6.99 a month. US and Canada. Bank connection required. No cancellation service.

6. YNAB

$14.99 a month or $109 a year, with a 34-day trial and no card required, plus a free year for students. Worth naming for one reason: the bank connection is optional, with file-based import available where direct connections are not. But YNAB does not detect subscriptions. Its Scheduled Transactions feature is something you create yourself, so it is a budgeting discipline rather than a discovery tool.

7. Emma

Free tier includes subscription tracking. Paid tiers from £4.99 or $4.99 a month, with annual options. Available in the UK, US and Canada, which makes it one of the few with genuine UK coverage. Open banking connection required. It does not cancel: "To cancel a subscription or bill, just find it in the list below and click the link for detailed instructions on how to cancel this service."

8. Snoop

UK only, regulated by the FCA, owned by Vanquis Banking Group. Snoop Plus is £5.99 a month or £47.99 a year. Open banking connection required. Strong UK bank coverage, which the US-built tools do not have.

9. Trim

Still operating, and now part of OneMain: "OneMain Trim, LLC, which does business as Trim, is a member of the OneMain family of companies. We joined the OneMain family in 2021." Its site says OneMain Financial customers get all Trim features at no cost. It publishes no standalone consumer price, so whether and how a non-customer can subscribe is not something its site answers.

10. Hiatus

Operating and actively maintained, with an iOS release in the week before this page was checked. The website publishes no pricing. The App Store listing shows in-app purchases from $9.99 to $59.99 depending on term. Bank connection required, with subscription cancellation and bill negotiation advertised.

11. Origin

$99 a year, currently advertised at $1 for the first year. Operated by Blend Financial Inc. trading as Origin Financial. It does track subscriptions: "Find recurring payments and cancel subscriptions you don't need." Bank connection required.

12. Capital One Expected Transactions

Free, no signup, and it can cancel at participating merchants. Requires a Capital One credit card and the mobile app, and only sees charges on that card. Covered in full above. If you are a Capital One customer, start here before paying anyone.

13. Manual trackers

Bobby, from Yummygum, is free with small in-app purchases and requires no account and no bank link. You type your subscriptions in yourself. That sounds like a joke until you remember what it is for: a tracker with nothing connected cannot leak anything, and after a full audit it is a perfectly good way to keep the list current. Other manual trackers exist and the category is crowded with near-identical names, so check the developer before installing.

14. Yorba

Inbox scan first, bank connection optional, which is the difference this page has been building towards. Yorba scans inbox metadata for the signup confirmations and automated sends that indicate an account exists, then also connects to banks through Plaid to find recurring charges. Free tier: one inbox, unlimited unsubscribes, a breach check, deletion instructions, and subscription viewing on a 30-day trial for one account. Premium is $60 a year, which Yorba's pricing page presents as two months free, and Yorba's blog gives the monthly rate as $6.

The honest limits. Yorba connects Google and Microsoft mailboxes, so Yahoo and iCloud are not supported. The initial scan covers two years of history, then runs weekly, on the primary inbox rather than spam or trash, reading header data rather than message content. The bank connection covers the US, Canada, and Germany, France, Spain, Italy, Belgium, the Netherlands, Denmark, Sweden, Norway, Portugal, Estonia, Ireland and Poland, with accounts in EUR, USD and CAD only. Yorba's privacy policy carries an effective date of 11 May 2024, which predates that EU expansion.

The short version of all fourteen

Sorted by the question that actually separates them, which is what each one needs from you before it can do anything.

Eleven of the fourteen will not start without a bank or card connection. Rocket Money, Monarch Money, Copilot Money, PocketGuard, Quicken Simplifi, Emma, Snoop, Trim, Hiatus and Origin all read a transaction feed, and Capital One reads its own card. That buys exact amounts and it inherits the 90-day default window described at the top of this page.

Three of them will not. YNAB imports files where a direct connection is unavailable but does not detect subscriptions at all, so it is a discipline rather than a discovery tool. Bobby holds whatever you type into it and connects to nothing. Yorba starts from inbox metadata and treats the bank connection as optional.

Only five claim to cancel anything on your behalf. Rocket Money does it for providers it supports and tells you when it cannot. Capital One does it at participating merchants through Minna Technologies. Trim, Hiatus and Origin advertise it. Yorba does it on Premium. PocketGuard and Emma both hand you instructions instead, which several review sites report incorrectly, and Monarch, Copilot and Simplifi do not attempt it.

Geography rules more of this decision than features do. Rocket Money, the best-known name here, is United States only with US banks. PocketGuard and Quicken Simplifi cover the US and Canada. Snoop is UK only. Emma covers the UK, US and Canada. Copilot, Trim, Hiatus and Origin publish no country list at all. Yorba's bank connection reaches the US, Canada and thirteen EU countries, and its inbox scan is not bounded by banking geography.

On price, the range is wider than the feature gap. Capital One's tool is free to its cardholders and Bobby is free with small in-app purchases. Quicken Simplifi runs $3.99 a month billed annually on a promotion through 4 October 2026, then $6.99. Emma's paid tiers start at £4.99 or $4.99 a month, and Snoop Plus is £5.99 a month or £47.99 a year. Yorba Premium is $60 a year. Copilot is $13 a month or $95 a year, PocketGuard $12.99 a month or $74.99 a year with a $149.99 lifetime option, Monarch $14.99 a month or $99.99 a year, YNAB $14.99 a month or $109 a year, and Origin $99 a year with a $1 first-year promotion. Three publish no usable price: Rocket Money's own explainer says Premium typically runs $7 to $14 a month, Hiatus shows nothing on its site and $9.99 to $59.99 in the App Store, and Trim is free to OneMain customers with no standalone rate published anywhere.

Every figure above was read from the company's own pages on 11 September 2026.

How to choose between them

Start with what you already pay for. If you hold a Capital One credit card, Expected Transactions is free and can cancel at some merchants. If your bank is one of the six Which? named in August 2026, look there before buying anything.

Decide whether you want discovery or accounting. Monarch, Copilot and Simplifi are personal finance apps that happen to show recurring charges. If you want budgeting and net worth tracking, buy one of those and enjoy it. If you want to find things you forgot, that is a different job.

Check the geography before the feature list. Rocket Money is the best-known name in this category and it does not work outside the United States. Emma and Snoop cover the UK. Yorba's bank connection covers the US, Canada and thirteen EU countries, and its inbox scan is not restricted by banking geography at all.

Ask what happens if you never connect a bank. For most of this list the answer is that the product does nothing. That is a fair trade if you are comfortable with the connection. It is worth knowing before you sign up rather than after.

Read the cancellation claim carefully. "Cancels subscriptions" means different things across this list, from filing the request to handing you instructions. PocketGuard and Emma provide instructions. Rocket Money cancels where it can and says so when it cannot. Anything billed by Apple has to be cancelled at Apple regardless of what any tool promises.

Count what a subscription costs against what the tool costs. A $99-a-year tool that finds one forgotten $12-a-month subscription has paid for itself. A $99-a-year tool that finds nothing is a subscription you added to solve a subscription problem, which is a genuinely funny thing to do and an expensive one.

What the law actually requires in September 2026

Worth knowing, because a lot of advice written in 2025 is now wrong.

Click-to-cancel is not in force. The FTC's revised Negative Option Rule was announced on 16 October 2024 and published on 15 November 2024, with compliance deferred to 14 July 2025. On 8 July 2025, six days before that date, the Eighth Circuit vacated it in Custom Communications, Inc. v. FTC, No. 24-3137. The vacatur was procedural: the FTC failed to produce a preliminary regulatory analysis once compliance costs were found to exceed $100 million, which the court called a fatal, prejudicial error. The merits were never reached. On 12 February 2026 the FTC formally restored the old 1973 rule text, and on 13 March 2026 it published an advance notice of proposed rulemaking, with comments closing 13 April 2026. As of today no proposed rule has followed.

ROSCA still applies and always did. The Restore Online Shoppers' Confidence Act, in force since 2010, makes it unlawful to charge you through an online negative option unless the seller discloses all material terms before taking your billing information, obtains express informed consent, and provides a simple mechanism to stop recurring charges. Enforcement under it has continued throughout. Chegg agreed to $7.5 million in consumer redress on 15 September 2025. The FTC's case against Uber over Uber One enrolment and cancellation is ongoing and its allegations are not findings.

Amazon paid $2.5 billion over a cancel flow. On 25 September 2025 the FTC announced a settlement of $1 billion in civil penalties and $1.5 billion in consumer redress over Prime enrolment and cancellation, covering roughly 35 million consumers with payments up to $51 each. It is the largest civil penalty the FTC has obtained under a rule.

California moved first and the date is not the one usually quoted. AB 2863 amended California's automatic renewal law with effect from 1 July 2025, not January 2026. It requires express affirmative consent to the renewal term itself, separate from other terms; notice between 3 and 21 days before a trial longer than 31 days converts; annual reminders for subscriptions renewing yearly or less often, delivered in the medium you signed up in; and cancellation at least as easy as signing up, which for online signups means an online route through a prominent link or button.

The EU has no cancellation button. The Consumer Rights Directive gives you a 14-day withdrawal right and requires clear information about duration and renewal, and Commission guidance treats obstructive cancellation flows as unfair commercial practice. The Digital Fairness Act, which is where a cancellation button, auto-renewal off by default and pre-renewal reminders are under discussion, has not been proposed. Its consultation closed 24 October 2025 and a proposal is expected in the fourth quarter of 2026. Germany is the exception, with the Kündigungsbutton required under section 312k BGB since 1 July 2022.

The UK rules are not live yet either. The DMCC Act 2024 subscription regime, with renewal reminders and a cooling-off right, has been delayed to spring 2027.

So the practical position is that you have real rights in California and Germany, general protections everywhere else, and no button. Which is why the audit is still manual.

What none of this fixes

You have built a list. Good. Now the part that list does not cover.

A list is a document, and documents decay. The moment a company raises a price, shifts a renewal date, or you start one more trial, the careful list is out of date. Manual methods are honest about being manual. What they are quiet about is that the whole thing depends on you remembering to check.

That is the smaller gap. Here is the larger one.

Cancelling a subscription stops the charge. It does not close the account. The login still exists. The stored card is still on file. Your name, address, phone number and order history are still sitting in that company's database. The billing relationship ends and the data relationship continues, quietly, indefinitely. PayPal says it in its own documentation. So do Capital One, Revolut, Wise, Lloyds and N26, each about their own product.

Which means the audit you just finished solves the money problem and leaves the data problem untouched. You have stopped paying eleven companies. All eleven still have your account, and each one is a row in whatever gets breached next.

Where Yorba fits

Yorba finds recurring payments from your email or from your bank transactions. The email path needs no bank connection at all. Connecting a bank is optional, and where you turn it on it adds exact amounts and upcoming charges, in the US, Canada and thirteen EU countries.

The part no other tool on this page offers: the same inbox scan that finds the subscription also finds the account behind it, including accounts that never charged you anything. Deletion instructions are free through Delete Desk, which Yorba describes as the largest free database of account deletion instructions, with more than 10,000 records. On Premium, Yorba sends the deletion request for you and cancels the subscription. Breach Beacon checks whether your address appears in known breaches, free and without an account.

Yorba is a Public Benefit Corporation, takes no venture funding, and its privacy policy says it will never sell user data to a third party. Yorba's own 2025 State of Clutter report puts the success rate of member requests at roughly 48% for account and data removal and 84% for email unsubscribes, which includes the half that fails.

Where Yorba is the wrong choice. If your mail is at Yahoo or iCloud, Yorba does not connect to it. If you want budgeting and net worth tracking, buy a personal finance app instead. And if you want the complete list of what leaves your bank account each month and nothing else, a bank-first tool will get you there with less thinking.

Frequently asked questions

Can I find my subscriptions without linking a bank account? Yes. Search your inbox for billing receipts, then check the billing hubs at Apple, Google Play, PayPal, Amazon, Microsoft and Roku. Your inbox surfaces forgotten subscriptions a bank feed cannot see yet, and none of those steps requires a bank connection.

Is it safe to link a bank account to a subscription app? It can be. The connection normally runs through a regulated aggregator, and where your bank supports OAuth your password never reaches the app, because Plaid says it "does not store account credentials" on those connections. Where OAuth is not available, Plaid's own wording is that you may hand over your bank login and "we store those credentials". The real question is scope rather than safety: a bank link grants read access to your transaction history, which is more than a subscription list needs.

How far back does a bank connection look? As far as the app asked for. Plaid's documentation sets a default of 90 days of initial history and a maximum of 730. An annual subscription that billed outside that window is invisible on day one, though it will appear after it bills again.

Does Rocket Money work without linking a bank? No. Its detection is built entirely on connected accounts, and it is United States only with US banks. If avoiding the connection is the priority, an email-based tool is the better fit, because it finds subscriptions from receipts instead.

What is the fastest way to find forgotten subscriptions? Open your app store subscription lists first, because one statement line often hides several subscriptions and it takes about two minutes. Then run dated searches across your inbox, including the old address you no longer read.

Does Gmail's Manage subscriptions show everything I pay for? No. It shows senders by how often they have emailed you "in the past few weeks", so it is a view of active mailing lists rather than of active subscriptions. An annual renewal that emails you once a year will not be in it. Proton's Newsletters view has the same 30-day shape.

Does cancelling a subscription delete my account? No. Cancelling stops future charges. The account, the stored card and your personal data stay with the company. Closing the data relationship means deleting the account, which is a separate step most people skip.

Will blocking the payment in my banking app cancel the subscription? No, and six providers say so in their own words. Capital One: "Blocking a charge does not cancel any subscription tied to that charge." PayPal: cancelling there "does not cancel the underlying subscription or contract with the service provider." Revolut, Wise, Lloyds and N26 all publish the same warning. You may also still owe money under the contract.

Will freezing or cancelling my card stop it? Not reliably. Wells Fargo states that "turning your card off will not stop card transactions presented as recurring transactions". Issuers also update merchants with your new card number when a card is replaced, which is a service Amex advertises in its UK FAQ.

Why don't I recognise the merchant name on my statement? Because descriptors are short and often belong to a parent company or a payment processor rather than the service. Stripe documents a 5 to 22 character limit with truncation beyond it. Google's own documentation maps GOOGLE *GOOGLE to YouTube Premium. Apple bills everything as apple.com/bill. Search an unfamiliar descriptor before dismissing it.

Is click-to-cancel the law? Not currently. The FTC's rule was vacated by the Eighth Circuit on 8 July 2025 on procedural grounds and formally removed from the regulations on 12 February 2026. A new rulemaking opened in March 2026 and has not produced a proposed rule. ROSCA, the FTC Act and state auto-renewal laws still apply.

Can a company refuse to cancel by email? In California, an online signup must have an online cancellation route under AB 2863, in force since 1 July 2025. In Germany, the Kündigungsbutton has been required since 1 July 2022. Elsewhere you are relying on general consumer law and on the card network rules that require merchants to provide a cancellation mechanism.

I cancelled through the app but I am still being charged. What now? Check where the billing actually sits. If Apple bills it, cancelling inside the app does nothing, because Apple says "to cancel the subscription, you must contact the company that bills you". The same logic runs in reverse for Microsoft subscriptions bought through a third-party store. After that, keep a copy of the cancellation request, which is what the FTC advises, and dispute the charge if it recurs.

Should I use more than one of these tools? Often, yes, and it costs less than it sounds. A bank-first tool and an inbox-first tool find different things, and neither is a superset of the other.