Every Direct Debit, surfaced and tracked.
Standing orders, Direct Debits, recurring card payments, BPAY autopay, ACH autopay — all detected and tracked. Get alerts before bills change. Project your committed monthly outgoings. See where to cut.
Auto-Detection
AI scans 6 months of transactions to find every recurring charge. Matches by merchant name + amount + cadence. Catches subscriptions buried under random card descriptors.
Price-Hike Alerts
When a recurring bill jumps more than 10% month-on-month — like your broadband or council tax — we push a notification.
Cadence Awareness
Monthly, quarterly, annual, fortnightly, four-weekly. We recognise all cycles and project accurate committed totals.
Cancellation Hints
For UK and US merchants, we surface direct cancellation links (Netflix, Spotify, Audible, etc).
Committed Spending Total
See “you’ve already committed £812 this month before the first discretionary purchase.” Helps prevent overcommitment.
Bill Switch Suggestions
On-demand only (no daily feed). Quarterly Bill Switching report compares your broadband, mobile, energy against market.
How it works
- 1
Connect bank accounts
Open Banking pulls 12 months of transactions immediately.
- 2
AI surfaces recurring charges
Within 30 seconds of first sync, we show every detected recurring charge ranked by amount.
- 3
Review and confirm
Confirm or dismiss each detection. Add manual ones we missed (cash standing orders, in-app subscriptions etc).
- 4
Get alerts
Push notifications for price changes, missed payments, expired Direct Debits, and 5-day-out reminders for the largest bills.
Frequently asked questions
How is this different from a subscription tracker?▼
Subscription trackers focus on streaming and SaaS. Recurring Bills covers everything: rent, council tax, utilities, insurance, debt servicing, school fees, gym, charity DDs. Broader.
Can I cancel a Direct Debit from the app?▼
No — cancelling a DD must happen via your bank for legal reasons. We deep-link to the right page of your banking app where supported.
What about cash standing orders?▼
Add manually in 10 seconds. They contribute to committed spending totals the same as automated DDs.
Are bill switch recommendations affiliated?▼
No. We show market alternatives without affiliate commissions. We charge subscription so we don’t need to.
Try Recurring Bills free
Free plan forever. No credit card. Cancel anytime.