How can I find recurring subscriptions on my bank or credit card statement?

Look for the same merchant charging a similar amount at regular intervals across several statements. You can do that by hand in a spreadsheet, or upload statements to Bills AI, which extracts and categorizes the transactions and shows recurring charges. Check each flagged charge against the original statement before you cancel anything.

Last reviewed: 2026-11-13

Steps

Collect statements for several consecutive months as PDFs from your bank's website. Yearly charges only show up if the statements cover a full year.
To do it by hand, convert each PDF to CSV with the free converter, paste the rows into one sheet, sort by description and look for descriptions that repeat.
To use Bills AI, create an account and upload the statement files (PDF, images, CSV or Excel, up to 10 MB each). It extracts and categorizes the transactions and shows recurring charges and spending insights. No bank login is needed.
Know the plan limits: the Free plan includes one statement analysis, Starter allows up to 100 statement scans, and Pro has no statement-count limit.
For each recurring charge, check the merchant name, the amount and how often it appears. A charge's description on a statement can differ from the brand name you know.
Cancel with the provider or through your bank. Bills AI shows the charges but does not cancel anything for you.

When this will not work

Detected recurring charges are a starting list, not a verdict. Extraction and detection can be wrong, so compare each one with the statement line.
A single statement shows one occurrence of most charges, so recurrence is hard to see without several months.
Bills AI only sees statements you give it. Charges on accounts you did not upload will not appear.

Frequently asked questions

Do I need to link my bank account to find subscriptions?

No. Bills AI works from statement files you upload and does not use Plaid or online-banking credentials.

How many statements do I need?

Several consecutive months make repeating charges visible. For yearly subscriptions you need statements that cover a full year.

Will Bills AI cancel a subscription for me?

No. It shows recurring charges. Cancelling is done with the provider or through your bank.

How much does analysing several statements cost?

The Free plan includes one statement analysis. Starter is $5 a month or $49 a year for up to 100 statement scans, and Pro is $12 a month or $99 a year with no statement-count limit.