Best Subscription Tracker Australia (2026): Apps Compared

The best subscription tracker in Australia depends on whether you're happy to connect your bank. If you are, three free options find recurring payments for you: the Westpac app on Westpac cards, where it can also cancel eligible subscriptions, and Frollo and WeMoney across the accounts you link through open banking. If you'd rather not give an app ongoing access, SubTracker reads a statement export from any Australian bank (PDF, CSV or Excel) and lists its recurring charges, with no bank login. You can run a free scan on a statement now. Manual apps (Subtrack, SubPolice, Revuno) only know what you type in, and Rocket Money doesn't work in Australia.

The options at a glance

Freemium tiers change often, so check the App Store or Google Play listing for a manual app's current price.

Why Rocket Money doesn't work in Australia

Rocket Money connects to your bank through Plaid, a US service that does not support Australian banks. Copilot and PocketGuard use the same US bank-linking service, so none of the three can see a CBA, ANZ, Westpac or NAB account.

Australia's own open-banking system, the Consumer Data Right (CDR), lets accredited apps read your transactions through regulated APIs instead of your login. Frollo and WeMoney use it to detect recurring payments. The Rocket Money alternatives for Australia guide maps each Rocket Money feature to a local tool.

The subscription managers worth knowing

A subscription management app finds your subscriptions in one of two ways: from your transactions (SubTracker, the Westpac app, Frollo, WeMoney, your own bank's app and Rocket Money) or from what you type in (Subtrack, SubPolice and Revuno).

SubTracker

SubTracker reads a bank statement instead of connecting to your bank. You export a statement and upload it, and AI lists its recurring charges, including annual renewals and free trials that turned into paid plans. The first scan is free, and a free account shows your first three subscriptions. The $29 one-time unlock shows the rest and turns on email reminders three days before each charge, with a 14-day refund. Your statement file is deleted when the scan finishes, and the results are deleted after 24 hours unless you save them. You can export your saved subscriptions as a CSV, or only the ones tagged business, and add renewal dates to your calendar.

It works with any Australian bank that exports a statement, for one AUD payment instead of a monthly fee. It isn't live: you upload a fresh statement when you want to check again. It also sees only the statements you upload, so it misses any card or account you leave out. It suits a one-off audit across several banks with no ongoing access. The guide to finding hidden subscriptions uses the same method.

Westpac app

If you bank with Westpac, check its app first. Westpac says it uses "a learning model to find recurring payments on your debit or credit card", shows them in the app, and lets you cancel eligible subscriptions without contacting the merchant. It covers Westpac cards only. Westpac says the app can't cancel subscriptions billed through a third party such as PayPal or Apple Pay, key services like insurance, health and government, or anything the merchant doesn't support. On a credit card, only the primary cardholder can cancel.

Frollo

Frollo is a free Australian money app with no ads. It links your accounts through the Consumer Data Right (open banking) where available. Its help centre says Frollo "identifies bills based on your transactions, estimating the bill amount, frequency, and biller", and it sorts bills into categories including subscriptions. It also alerts you when you don't have enough money for an upcoming bill. It's a full budgeting app with an ongoing connection to the accounts you link.

WeMoney

WeMoney is a free money app with an optional Pro tier at $9.99 a month. It's an accredited Consumer Data Right recipient with read-only access to your accounts. WeMoney says it "automatically categorises your recurring payments, helping you see all your subscription charges in one place". Like Frollo, it's a broader finance app (budgets, debt tools, credit scores) with an ongoing connection to your accounts.

Your own bank's app

Other banks are adding similar tools: CommBank's app can show predicted bills in its Insights view (which CommBank says is rolling out gradually) and lists regular payments set up on a CommBank credit card. A bank app sees only that bank's accounts, so it helps most when your spending runs through one bank.

Subtrack

Subtrack is manual subscription tracking software for iPhone, iPad and Mac that syncs through iCloud, with no account to create. You enter each subscription's amount and billing date, and it shows a calendar and your monthly spend. It suits you if you already know everything you pay for. Like every manual app, it can't find a charge you've forgotten.

SubPolice and Revuno

SubPolice (Android) and Revuno (iPhone) work like Subtrack: you add subscriptions and renewal dates yourself, and the app reminds you before each one bills. SubPolice also reads your phone's notifications to spot renewals. Neither connects to a bank, which suits privacy-minded users, and neither sees the charges on your account.

Rocket Money

Rocket Money is the most polished automatic tracker in the US, with bank-connected detection, bill negotiation and a cancel-for-you feature. It relies on Plaid, so it can't connect to Australian banks, and its premium tier is itself a monthly subscription.

What about free subscription trackers?

Free trackers that find subscriptions automatically exist in Australia if you connect your bank: the Westpac app for Westpac cards, and Frollo and WeMoney for the accounts you link through open banking. You pay with ongoing access to your transactions instead of money.

Free options that don't touch your bank are manual: the free tiers of Subtrack, SubPolice and Revuno, where you enter and update every subscription by hand, or a spreadsheet, which costs nothing but needs the same upkeep. The subscription tracker vs spreadsheet comparison covers the trade.

SubTracker sits between the two: it finds forgotten charges automatically from a statement you export once, with no standing connection, and costs $29 once after a free first scan.

App or web? iPhone or Android?

Several manual trackers, Subtrack included, are Apple-only, so check Google Play before assuming a recommended app runs on Android. SubTracker runs in the browser on iPhone, Android and desktop, and you can add it to your home screen so it opens like an app, straight to your dashboard and without the browser bar:

• On iPhone, open subtracker.com.au in Safari, tap Share, then Add to Home Screen.
• On Android, open it in Chrome, tap the three-dot menu, then Add to home screen (some phones say Install app).

To weigh a full budgeting app against a dedicated tracker, the best budgeting apps in Australia guide covers Frollo, WeMoney and the other all-in-one options.

How to choose

• If you bank mainly with Westpac, open the Westpac app first. It finds recurring card payments and cancels eligible ones for free.
• To find forgotten subscriptions without a bank login, upload a few months of statements to SubTracker. It covers any Australian bank for one payment, but shows only what's on the statements you upload.
• For live, automatic tracking across banks you're happy to connect, use Frollo or WeMoney, both free budgeting apps.
• If you already know exactly what you pay for, a manual tracker (Subtrack or Revuno on Apple, SubPolice on Android) gives you a dashboard for free or close to it.
• If you were about to download Rocket Money, it doesn't work in Australia. Read the alternatives guide instead.

Manual trackers only track what you remember to add. You're searching because of the subscriptions you forgot.

Common questions

What do Australians on Reddit recommend?

Threads in r/AusFinance and r/australia split two ways. People who want control recommend a spreadsheet or a simple manual app and accept the upkeep. People who suspect forgotten charges want something that reads their transactions, and their recurring complaint is "I found a subscription I'd been paying for two years."

Is there a completely free subscription tracker?

Yes, if you'll connect your bank: the Westpac app (for Westpac cards), Frollo and WeMoney detect recurring payments for free. Otherwise the free options are manual app tiers or a spreadsheet. SubTracker's first statement scan is free, a free account shows your first three subscriptions, and the full list is $29 once.

Can I just use a spreadsheet?

You can. It's the cheapest option with the most control, but it won't catch charges you've lost track of. The spreadsheet comparison sets out where it works.

Does it work with Australian banks?

SubTracker works with any Australian bank because it reads a statement export instead of logging in. Frollo and WeMoney connect through open banking, and the Westpac app covers Westpac cards. US bank-login apps like Rocket Money can't connect to Australian banks.

iPhone or Android?

Several manual trackers are Apple-only, so check Google Play before committing on Android. SubTracker runs in any browser, and you can add it to your home screen on either phone.