How to Check What Subscriptions You Have (Australia, 2026)

To check what subscriptions you have, start with your bank and card statements: every subscription you pay for shows up there as a charge, whoever bills it. Then check the lists Apple, Google Play and PayPal keep, and search your email for free trials that haven't charged you yet. To skip the statement part, run a free scan: upload a PDF, CSV or Excel statement export from any Australian bank, with no bank login, and SubTracker lists its recurring charges, usually in about a minute.

1. Your bank and card statements

Open three months of transactions for every account and card you pay from, or 12 months to catch annual renewals. Look for:

• the same amount on about the same date each month
• names you don't recognise. App Store charges show as APPLE.COM/BILL and Google's as GOOGLE with a Mountain View address; the guide to unknown charges on an Australian statement covers the rest.
• small amounts you've been scrolling past

Write down each one with its amount, the name on the statement and how often it appears.

Some bank apps list recurring payments on their own cards. In the Westpac app, open a debit or credit card's transaction list: an eligible subscription shows Cancel subscription, and Manage cancels it there (on a credit card, only the primary cardholder can). In the CommBank app, go to Cards, swipe to your credit card, tap Settings, then Regular payments. For debit cards and transaction accounts, CommBank prints a list if you contact it or visit a branch, and warns that the list may not be complete.

2. Apple subscriptions

On an iPhone or iPad, open Settings, tap your name, then Subscriptions. On any other device, sign in at account.apple.com. The list covers only what Apple bills, so a service you pay on its own website won't appear.

If an Apple charge isn't in your list, Apple suggests searching your email for "receipt from Apple" or "invoice from Apple" to see which Apple Account paid; a family member's subscription appears only in their account, and only they can cancel it. Apple says to cancel a free trial at least 24 hours before it ends. The App Store subscriptions guide covers cancelling on each device.

3. Google Play subscriptions

Sign in to the Google Account that pays and open your subscriptions in Google Play. Uninstalling an app doesn't cancel its subscription; the guide to cancelling a Google Play subscription has the steps.

4. PayPal automatic payments

A business you've set up an automatic payment with can charge your PayPal account for payments scheduled in advance. PayPal also calls these subscriptions, billing agreements or recurring payments. On the PayPal website, go to Settings, click Payments, then select Subscriptions and saved businesses or Automatic Payments. Select a business to cancel its automatic payment or find its contact details. The PayPal subscriptions guide explains how PayPal charges appear on your statement.

5. Your email

Search your inbox for "receipt", "invoice", "subscription", "renewal" and "free trial". Email catches trials that haven't charged you yet and services billed to a card you've forgotten.

What to do with the list

Cancel anything you haven't used in the last 30 days. For the ones you use now and then, work out the cost per use: a $9.99 a month subscription you use twice a year costs about $60 each time.

The cancel guides have the steps for each service, including Netflix, Stan, gym memberships and free trials before they charge. The 5-minute subscription audit is a shorter version of this check to repeat every three months. If a business keeps charging after you cancelled, a SubTracker refund case sends it a formal demand letter under Australian Consumer Law.