How to find subscriptions from your bank statement
Your bank statement is the one place that lists every recurring charge you're paying — including the ones you forgot about. Here's how to find them, by hand or automatically, without handing over your bank login.
Why the bank statement is the source of truth
Subscriptions hide in plain sight. A streaming trial that converted, an app you used once, a renewed annual plan — none of them announce themselves. But every single charge lands on your bank or credit-card statement. Unlike memory (or an app that only knows about purchases it can see), the statement misses nothing. If money left your account, it's there.
Find them by hand
If you want to do it manually, download your statement as a CSV and look for the tell-tale signs of a subscription:
- 1Sort by description. Grouping the same merchant together makes repeat charges jump out.
- 2Look for the same amount, monthly. A charge that repeats at roughly the same price every ~30 days is almost always a subscription.
- 3Don't miss the annual ones. Yearly renewals only appear once, so scan a full 12 months — these are the charges people forget most.
- 4Watch for price creep. Compare the oldest and newest charge from the same service — quiet price increases are common.
It works, but it's tedious — descriptors are cryptic (PAYPAL *GOOGLE), amounts drift with FX, and trials that started at $0 are easy to overlook.
Or do it automatically — no bank login
Sevrodoes the same analysis in about a minute. You upload the CSV, and it detects the recurring charges, flags price increases, spots free trials that just started billing, and totals up what you're paying each month and year — then lets you decide what to keep or cancel.
The difference from most subscription trackers: Sevro never asks for your bank login. No Plaid, no account connection, no credentials handed to a third party. The file is parsed in your browser and the raw statement is never stored.
Find your subscriptions now
Upload a statement and see everything you're paying for. Free, no bank login required.
Find my subscriptions — freeStep-by-step for your bank
Where the CSV export lives differs by bank. Here's exactly where to find it for the major ones:
- Chase
- Bank of America
- Wells Fargo
- Citi
- Capital One
- American Express
- U.S. Bank
- PNC Bank
- Discover
- RBC Royal Bank
- TD Canada Trust
- Scotiabank
- Ally Bank
- TD Bank (US)
- Truist
- BMO
- CIBC
Frequently asked questions
Can I find my subscriptions without connecting my bank?
Yes. Everything you need is already on your bank or credit-card statement, which you can download as a CSV. You never have to share your bank login — Sevro works entirely from that file.
What file format do I need?
A CSV export of your transactions, which every major bank and card issuer offers. Excel (.xlsx) works too. Sevro auto-detects the date, description, and amount columns.
How far back should the statement go?
Two to three months is enough to catch monthly subscriptions. Twelve months also surfaces annual renewals, which are the easiest to forget.
Is uploading a statement safe?
With Sevro the file is parsed in your browser and the raw file is never stored. There's no bank connection, no OAuth, and no third-party data aggregator in the middle.