Subscription finder
Find every subscription in your bank statement
Forgotten free trials, quiet price rises, duplicate apps — they hide in plain sight on your statement. Upload one and we surface every recurring charge, grouped by merchant with the yearly cost and next charge date, so you know exactly what to cancel.
Free to start · no bank login · original file deleted within 24 h
How it works
From statement to every subscription, in seconds
- 1 —
Upload any statement
PDF, CSV, Excel or a photo, from 5,000+ banks. Your card numbers are redacted and the original file is deleted within 24 hours.
- 2 —
We group the recurring charges
Every payment is matched to its real merchant, then grouped by cadence — weekly, monthly, yearly — even when the amount or descriptor changes slightly.
- 3 —
See the cost and what to cut
Each subscription shows its typical amount, next likely charge date and estimated yearly cost, with trials-turned-paid, price rises and duplicates flagged.
Why you miss them
Five ways subscriptions hide on a statement
Scanning a statement by eye fails for predictable reasons — the same reasons a simple Ctrl+F can't find them. These are the patterns the finder is built to catch:
1 —Cryptic descriptors
The statement line names a biller or platform, not the service: APPLE.COM/BILL could be any of a dozen app subscriptions, GOOGLE *YouTube is YouTube Premium, MBI*PROBILLER is a biller for many websites, and SQ * lines are Square merchants. We resolve the descriptor to the real merchant first, then check whether it recurs.
2 —Wobbly dates and amounts
A "monthly" charge rarely lands on the same day — it drifts with weekends, month lengths and retries, and the amount shifts with VAT, FX or a quiet price rise. We group by merchant and cadence pattern, not by exact date or amount, so a subscription that moved from the 9th to the 11th and went up £1 still counts as one subscription.
3 —Free trials that quietly convert
A £0.00 or £1 authorisation followed weeks later by a full charge from the same merchant is the classic trial-to-paid pattern. We flag the conversion explicitly, because it's the subscription you most likely never meant to keep.
4 —Annual charges you forgot exist
Domain renewals, cloud storage, insurance add-ons and annual memberships surface only once a year — which is why we recommend uploading several months (or a year) of statements, and why each subscription shows its estimated yearly cost rather than just the monthly hit.
5 —Duplicates and overlaps
Two music services, the same service billed on two cards, or a bundle that already includes something you also pay for separately. Grouping by real merchant makes duplicates visible in a way scanning a raw statement never does.
The usual suspects
Subscriptions people most often forget — and how to cancel them
Once the finder shows you what you're paying for, these step-by-step guides cover every real way to cancel the most common services — including the gotchas (early-termination fees, app-store billing, notice periods):
Then take back control
Questions
Frequently asked questions
How do I find all my subscriptions?
Upload a recent bank or card statement and StatementDecoder scans every transaction, groups the recurring ones by merchant, and shows each subscription's cadence, next charge date and yearly cost — including ones with cryptic descriptors you might not recognise. A few months of statements catches monthly subscriptions; a year catches annual ones too.
Can it catch free trials that turned into paid subscriptions?
Yes. When a £0.00 or small trial charge is followed by a full charge from the same merchant, we flag it as a trial that converted — one of the most common ways subscriptions sneak onto a statement.
Will it show subscriptions I don't recognise?
Often a 'mystery' subscription is just a cryptic descriptor. We identify the real merchant behind each recurring charge, so SQ*, TST* or an app-store descriptor becomes the actual service you're paying for. If a single charge still puzzles you, run it through the free charge lookup.
Do I have to connect my bank account?
No — and that's deliberate. Subscription tracker apps ask for a live bank connection; StatementDecoder works from a statement file you already have. Nothing stays connected, card numbers are redacted before storage, and the original file is deleted within 24 hours.
How is this different from a subscription tracker app?
A tracker app watches your account continuously via a bank login. We analyse a snapshot you control: upload a statement when you want a check-up, get the full list with yearly costs, cancel what you don't want, and nothing keeps watching your account afterwards.
How do I cancel the subscriptions it finds?
Use the step-by-step cancellation guides for common services (Netflix, Amazon Prime, Adobe, Planet Fitness and more), generate a cancellation letter with the free tool, and if a merchant keeps charging after you cancel, follow the escalation guide before disputing with your bank.