The app to find subscriptions hiding in three different places
Here is the catch with every app to find subscriptions: there is no single place they all live, so no single app can see them all. Apple knows what Apple bills. Google knows what Google bills. Your bank knows what hits the card. On Top of Subs is where the three lists finally meet: one list with the price, the renewal date, and the billing channel of everything you find, plus reminders and a one-tap route to cancel. Free on iPhone and Android, no bank login.
Three lists, three owners, and the app that joins them
A subscription shows up wherever the money is taken, and each of those places keeps its own list.
- The App Store list. Settings, your name, Subscriptions on an iPhone or iPad. Every subscription and free trial billed through Apple, active and expired, with its renewal date.
- The Google Play list. Play Store, your profile picture, Payments & subscriptions, Subscriptions. Or play.google.com/store/account/subscriptions from any browser, which is often quicker.
- Your card and bank statements. Everything a company bills directly, from Netflix bought on the web to the gym, cable, and cloud storage. Most banking apps now have a recurring-charges view that does half the work.
- The corners. PayPal's automatic payments page and Amazon's memberships page each hold subscriptions that appear nowhere else.
Bank-scanning apps such as Rocket Money automate the third list and only the third list: they read the cards you link, and never see an App Store subscription billed to a card you did not link or hidden inside an APPLE.COM/BILL line. On Top of Subs takes the opposite approach. It reads nothing. You add what each list shows, and from then on the app does the remembering, the adding up, and the reminding.
Find them once, then never lose them again
- Sweep the three lists. Apple's screen, Google's screen, then the last three months of every card. Our finding guide walks the order, the corners, and how to decode the merchant names.
- Add each one as you find it. Name, price, renewal date, and where it is billed, a few seconds per entry. The channel is what makes the cancel tap land on the right screen later.
- Let the list take over. The monthly total shows what the sweep was worth. Reminders fire before anything renews. When something has to go, one tap opens the store's own cancellation screen.
APPLE.COM/BILL and GOOGLE *
The two merchant names that hide the most. APPLE.COM/BILL is any App Store subscription, app, or iCloud plan; GOOGLE * followed by a name is Google Play or a Google service. Match each against the store screens.
Old cards and old accounts
Subscriptions follow the card and the account, not the phone. A card you stopped checking and a second Apple Account or Google account are where the forgotten ones usually sit.
Trials you forgot you started
Search your inbox for "free trial", "receipt", and "your subscription". A trial that converted eight months ago rarely shows up anywhere else first.
Do you need a bank-scanning app to find subscriptions?
Sometimes. It depends on how many subscriptions bill your card directly and how much you value not linking your bank.
Scanning earns its place when the third list is long and messy: several cards, a few years of signups, a US bank the app supports. Rocket Money and similar tools will surface recurring charges you had genuinely forgotten, and for that job they are good. The price is the bank login, a monthly fee for the useful tier, and a blind spot: anything billed through the App Store or Google Play to a card they cannot see.
The manual sweep takes about fifteen minutes and misses nothing, because you check the two store screens directly and read the statements yourself. For most people with a phone and one or two cards, that is the whole search, and it needs no credentials.
Either way, the finding is the once-only part. The part that saves money every month is what happens to the list afterwards: whether something reminds you before the next charge and whether cancelling is one tap or a hunt. That is the job On Top of Subs is built for, and our guide to keeping track covers how to make the list last.
Questions about finding subscriptions
Not from a single source, because Apple, Google, and your bank each keep their own list and none of them shares it. Bank-scanning apps show what hits the cards you link. On Top of Subs, free on iPhone and Android, is the list where all three sources go once you have checked them, with a monthly total, reminders, and a one-tap route to the cancel screen.
Check four places in order: Apple's Subscriptions screen in Settings, the Google Play subscriptions center, the last three months of every card statement, and the PayPal automatic payments and Amazon memberships pages. It takes about fifteen minutes. Our step-by-step finding guide covers each one, including the merchant names that disguise Apple and Google charges.
No. It never connects to a bank or reads your email, so it cannot discover a charge on its own. You add each subscription as you find it, which takes a few seconds, and the app takes over from there: the monthly total, the reminders before each renewal, and the one tap to cancel.
It is Apple billing you for something bought through your Apple Account: an App Store subscription, an app, or an iCloud plan. Open Settings, your name, Subscriptions to match it against your active subscriptions, and check reportaproblem.apple.com for the full purchase history if the amount does not line up with anything there.
Subscriptions stay attached to the card and the account they were started with. Check the statements for every card you still hold, including ones you no longer use day to day, and sign in to each Apple Account and Google account you have ever used on a phone. A search of your email for "receipt" fills in what the statements miss.
No. On Top of Subs has no bank connection, no account, and no email sign-up. The list lives on your phone. The trade is that you find the subscriptions yourself; the benefit is that nothing about your finances leaves the device.
Find them once. Keep them found.
Put every subscription you find in one list, with a reminder before it bills again and the cancel screen one tap away. Free on iOS & Android.