You know about the phone plan and the health insurance. It's the rest that slips by: a streaming service on your credit card, a cloud storage plan on your debit card, a yearly membership still going out of the account you kept back home. Living here, your money is often spread over two or three banks, so finding your subscriptions means opening every statement from each of them, one month at a time.
Spentio does that reading for you. You upload your statements, and it lists the payments that keep coming back, across all your cards and accounts at once. You check each one and add the ones you want to keep, and you never sign in to your bank.
Four steps to find your subscriptions
1. Upload a few months of statements
Upload each statement as a PDF, a screenshot or a photo of your banking app. Magic Import, our AI, reads every transaction. Do this for every card and account you pay from, Swiss or not, because Spentio looks across all of them together. A few months are enough to bring out the monthly payments. For the ones you pay once a year, go back a bit more than a year.
2. Open Suggested payments
Go to Planning › Recurring. Under Suggested payments, Spentio lists what repeats: its name, what it costs and how often, and how many times it was found. You might see your streaming service at CHF 12.90 a month, your health insurance premium, or the electricity bill that arrives every quarter.
3. Add the ones you recognise
Tap Add. The amount, the day it goes out and the account it's paid from are already filled in from your charges. Check them and save. If it's not something you want to keep track of, dismiss it.
4. End the ones you cancel
Cancel the subscription with the provider, the way you always would. Then open that payment in Spentio and choose End from today. Spentio stops expecting it from that day, and the charges it already made stay where they are.
What you see from then on
The Recurring page shows every payment, with what's still to go out this month. Keep the list, or switch to the calendar to see which days money goes out. Tap a payment and it opens its own page, with every charge it has made so far.
Subscriptions billed through Apple, Google Play or PayPal
When you subscribe through the App Store on your iPhone, Google Play or PayPal, several subscriptions can land on your statement as a single charge from that company. The company's own settings show what's in it: the subscriptions in your Apple Account, your subscriptions in Google Play, or the automatic payments in PayPal. In Spentio you see the charge itself, on the card or account that paid it, next to everything else you spend.
Why not go through the statements yourself?
A yearly fee turns up in one statement out of twelve, and the card back home has a statement of its own. Spentio looks at every month of every account together, so a payment that keeps coming back stands out, whichever card it's on. Once it's added, it stays on your list, and next month you pick up where you left off. Your data is stored in Switzerland.
Get started
Upload your statements, and what keeps coming back is waiting for you under Suggested payments. The step-by-step guide shows every tap. Once they're in Recurring, they also stay out of your monthly budget, so it only tracks what changes.
Start free, no credit card needed.