Apps that scan for subscriptions
Some apps connect to your bank account (read-only) and identify recurring payments automatically. Examples include Emma, Snoop and the budgeting features built into some banking apps such as Monzo and Starling.
These can be useful but require granting access to bank data. Always check permissions, data handling policies and whether the service is FCA regulated before connecting your account.
Banking apps with built-in tracking
Monzo, Starling and other digital banks automatically categorise recurring payments and flag subscriptions. If your main bank account is with one of these providers, the functionality is already available.
The manual method
Download three months of bank statements and credit card statements to a spreadsheet or on paper. Highlight every recurring payment. This is free, private and comprehensive. It takes about 30 minutes.
Cancellation
No app can cancel subscriptions on your behalf without explicitly connecting to each provider. Cancellation always requires going to the provider's website. Be cautious of services that claim to cancel subscriptions for you — check their permissions carefully.