A subscription tracker that doesn't use Plaid
Almost every subscription tracker asks you to “connect your bank” — which usually means handing your login to Plaid. Sevro doesn't use Plaid or any aggregator. You upload a bank-statement CSV, and that's it.
What “connect your bank” actually means
When an app connects to your bank, there's usually an aggregator like Plaidin the middle. You log in through it, and it keeps a live link that reads your account data on the app's behalf — often indefinitely. It's convenient, but for something as simple as listing your subscriptions, it's a lot of access to grant: your credentials pass through a third party, and your security surface grows.
It's also brittle. Bank connections silently break, require re-authentication, and don't support every institution.
Plaid connection vs. a CSV upload
Trackers that use Plaid
- Log in through an aggregator
- Ongoing, live access to your account
- Credentials pass through a third party
- Connections break & need re-auth
Sevro (CSV upload)
- No Plaid, no aggregator, no login
- A one-time file — no standing access
- Parsed in your browser; never stored
- Works with any bank that exports CSV
How Sevro finds your subscriptions
- 1Export your statement as a CSV from your bank or card issuer (here's how, by bank).
- 2Upload it.It's read in your browser — the file never reaches a server.
- 3Review what it finds — recurring charges, price increases, converted trials, and your monthly and annual totals.
Track subscriptions without Plaid
Upload a statement and see everything you're paying for. Free.
Find my subscriptions — freeFrequently asked questions
What is Plaid, exactly?
Plaid is a financial-data aggregator that sits between apps and your bank. When an app asks you to 'connect your bank,' it usually means logging in through Plaid, which then has ongoing access to read your account data on the app's behalf.
Why would I want to avoid Plaid?
Some people are uncomfortable routing their banking credentials and a live connection to their account through a third party just to list subscriptions. It's a bigger privacy and security surface than the task requires — and connections break and need re-authentication.
How does Sevro work without Plaid?
You download a CSV of your transactions from your bank (every bank offers this) and upload it. Sevro parses it in your browser, finds the recurring charges, and never stores the file. No aggregator, no credentials, no standing access.
Is a CSV upload less accurate than a Plaid connection?
No — the CSV holds the exact same transactions a Plaid connection would read. Detection runs on the real charges either way; you simply skip the credential-sharing middleman.