Find recurring charges on your bank statement

Steps

1. Export your transactions from online banking as PDF, CSV, OFX, QFX, QBO or XLSX. Several months gives the finder more to compare.
2. Open the subscription finder and drop in the file. You can add more than one export, for example one per account. If two files overlap, a charge that appears in both is counted once, so a PDF and a CSV of the same month count each charge once.
3. Read the list of repeating charges. Each one shows how often it comes, its usual amount, when it last appeared and when it's next expected.
4. Check each item against your statement before you act on it.

Good to know

Why a longer range helps

A weekly or monthly item needs at least 3 charges before it's listed. A yearly item needs about 13 months of exports, so it can appear twice. Export that much if your bank allows it.

Merchant names change

The same payee can appear with slightly different text, such as a reference number on the end. Results are estimates, so look over anything that seems split in two or grouped wrongly.

Not every repeat is a subscription

Everyday spending such as groceries, fuel or dining usually isn't listed unless the exact same amount keeps repeating, though a steady charge like a transit pass or parking may still show up. Bills whose amount changes, such as utilities, phone or insurance, are labelled "amount varies". Rent, loan payments and transfers repeat too. Results are estimates, so untick anything you don't want counted.