The best subscription trackers in Australia
There are two ways a subscription tracker can see your spending: you connect your bank, or you give it a statement. That one choice decides most of the trade-offs, so start there.
Connect your bank, or upload a statement?
Connecting your bank (open banking, through Australia's Consumer Data Right) is the most convenient: transactions arrive automatically and stay up to date. The cost is that you grant ongoing access to your accounts, and the consent flow asks for your bank login through the bank's own page.
Uploading a statement needs a minute of effort each time, but nothing stays connected. You choose exactly which transactions the tool sees, and when.
At a glance
| Tool | How it gets your transactions | Where it runs | Price | Best for |
|---|---|---|---|---|
| SubSweep | Bank statement CSV upload — no bank login. Direct bank connection coming soon. | Web, iPhone, Android | Free (top 3 results); Pro A$9.99/month on the web | Finding forgotten subscriptions without handing over bank access |
| Frollo | Open banking (Consumer Data Right) connection to your bank | iPhone, Android | Free | A full money-management view — budgets, spending, goals — if you are happy to connect your bank |
| WeMoney | Bank connection through a data aggregator | iPhone, Android | Free to start | Paying down debt and keeping an eye on your credit score |
| Subtracker | Statement upload — PDF, CSV, Excel or a photo of a paper statement | Web | First scan shows 3 finds free; full tracker A$19 one-off | A one-off clean-up, especially if you only have PDF statements |
| PocketSmith | Bank feeds, including Australian banks | Web, iPhone, Android | Free tier and paid plans | Detailed budgeting and cash-flow forecasting |
| Rocket Money | US bank connections only | US only | — | Not available to Australians |
Which one should you use?
If you want everything automatic and are comfortable connecting your bank: Frollo. It is free, it uses open banking today, and subscriptions are one part of a broader money-management app. SubSweep's own bank connection is not live yet, so today Frollo does this better.
If debt and your credit score are the priority: WeMoney, which is built around exactly that.
If you want detailed budgeting and forecasting: PocketSmith.
If you only have PDF statements: Subtracker reads PDFs and photos; SubSweep reads CSV exports only for now.
If you want to find forgotten subscriptions without giving anyone bank access: that is what SubSweep is built for. It works with a CSV from any Australian bank, finds charges on every rhythm — weekly, fortnightly, monthly, quarterly, yearly — flags price rises and charges still inside a refund window, and links to each service's cancellation page. It is on the web, iPhone and Android.
What to look for in any tracker
- Fortnightly and quarterly charges. Gyms, insurance and some memberships do not bill monthly, and a tracker that only looks for monthly patterns misses them.
- Price rises. Subscriptions go up quietly. Seeing the change is often more useful than seeing the total.
- What is stored. Check whether the tool keeps your raw transactions or only the result.
- Australian formats. Tools built for the US often cannot read Australian bank exports at all.
Try SubSweep on your own statement
Export a CSV from your bank's website, upload it, and see every recurring charge with its yearly cost, price rises and refund windows. There is a sample statement if you would rather look first.
Open SubSweep — free, no bank login, and your statement is analysed in memory and never written to disk.
Rocket Money alternatives for Australia → · Cancellation guides