Find what you forgot you were paying
Export a statement from your bank and choose the file in Suby. It lists the charges that keep coming back, including subscriptions billed straight to your card, and you decide which ones to keep.
Example data.
What you get
- Reads CSV, OFX, QIF and PDF statements from your bank.
- Charges that repeat arrive as a list, with the name, price and billing period filled in.
- Review and edit every row before a single subscription joins your list.
- You export the file yourself. Suby never asks for your bank login.
In detail
Spots the charges that repeat
Suby groups the statement's outgoing charges by merchant and looks for a steady amount coming back on a schedule: weekly, every two weeks, monthly, every few months or yearly. A charge has to appear twice before Suby calls it recurring, so two to three months of statement works best.
One-off sightings stay separate
A charge that shows up only once cannot prove a schedule. When the file gives a reason to think it repeats, such as the bank flagging it as a repeat payment or Suby recognizing the service, it appears in its own "Seen once" group, unticked, so you can check the amount and period yourself. Other one-time charges are left out.
Cryptic descriptions become real names
Bank statements describe a charge in processor shorthand. Suby cleans the description up and matches it against its catalog of services, so a row reads as the service you know. Anything it does not recognize still gets a row under the name from your statement, marked "New".
You decide what gets added
Nothing joins your list until you tap Add. Repeating charges arrive ticked, seen-once ones unticked, and services you already track wait in an "Already tracked" group. Tap the pencil on a row for the full editor: price, currency, period, date, payment method, tags. A running monthly total follows what is ticked.
Currency, when the file says it
OFX files name their currency. Suby does not read a currency from CSV or QIF files, so it assumes your main currency, says so at the top of the review, and lets you change it on any row before saving.
How it works
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Export your statement
On a computer, sign in to your bank and open its Statements or Documents section. Export the last two to three months, as a CSV if you can. Most banking apps do not offer file exports, so a computer is usually easier. OFX, QIF and PDF files work too.
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Choose the file in Suby
Send the file to yourself so it is on your phone. In Suby, open Settings, then Import, and tap "Import a bank statement". When you add a subscription, the same option sits behind "Add several at once". Tap "Choose a file" and pick the statement.
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Review what Suby found
Repeating charges are listed under "Recurring" with their price, billing period and last charge date. Anything seen once sits under "Seen once". Untick what you do not want and tap the pencil to fix a row.
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Add them
Tap the Add button, which counts the subscriptions you ticked. A summary shows how many were added and the monthly total, with a button through to your list.
Questions
Does Suby connect to my bank?
No. You export the statement from your bank yourself and choose the file in Suby. Suby never asks for a bank login and does not sync with any bank, so there is no list of supported banks. What matters is the file: CSV, OFX, QIF or PDF.
Does my statement leave my phone?
CSV, OFX and QIF files are read on your device, and nothing is uploaded, when Suby can read the file's columns and dates. A PDF, or a file Suby cannot read on the device, is sent to Suby's server and passed to Anthropic to pick out the recurring charges. It is processed in memory and not stored; only counts, such as how many charges were found, are kept. It is not used to train AI models.
Is statement import free?
Yes. It is not part of Premium and there is no import counter. Files that go to Suby's server, which means PDFs and files Suby cannot read on the device, count towards a daily limit, and the app tells you when you reach it.
Why did it find nothing, or very little?
Suby needs to see a charge twice before it calls it recurring, so a file covering less than two months can come back empty or with a note that it is too short. Export two to three months, or more if your bank allows. A scanned PDF with no readable text cannot be read; try a CSV or OFX export instead.
Start tracking before the next renewal
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