Find and cancel unsolicited subscriptions

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Netflix, Amazon Prime, Spotify, Instacart Express, HBO Max, Apple Music, iCloud, cable, etc. – the list of subscriptions people have can go on and on. It is often easy to forget the many subscriptions you have subscribed to and, over time, the ones you may have slowly stopped using. Unfortunately, just because they are not used does not mean that you still do not pay for the service.

Analyzing your bank accounts to find these unused subscriptions and canceling them can be very time consuming and draining. However, TrueBill is trying to remove some of this hassle. It is an app and an online platform that syncs to your accounts to find subscriptions you have paid for. In addition, the app also offers a billing negotiation service so you can reduce the cost of things you have to pay for each month.

Below, Select breaks down what you need to know about the TrueBill app, including each of its features, how to get started, and some other important details that you should know if you are interested in trying the service.

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TrueBill review


On Truebill’s secure site

  • Cost

    Free, with the option to upgrade to Truebill Premium Service for a fee of $ 3 to $ 12 per month; bill negotiation costs between 30% to 60% of the 12-month savings achieved as a result of the negotiation

  • Distinctive features

    Easily quit unwanted subscriptions, track your spending and creditworthiness, automate savings and get help lowering your bills

  • Categorizes your expenses

    Yes, Truebill immediately identifies your best expense categories

  • Links to accounts

    Yes, bank and credit cards

  • Availability

    Available both in the App Store (for iOS) and on Google Play (for Android), as well as online

  • Security features

    Truebill accesses users’ transaction data via an encrypted token, uses the Plaid API to never store user data, provides 256-bit banking-level encryption, and hosts secure Amazon Web Services (AWS) servers used by the Department of Defense, NASA, and the Financial Industry Regulatory Authority (FINRA)


  • Negotiates cell phone and cable bills, plus helps you get refunds for certain bank charges
  • Free version available
  • Synchronized with your bank accounts and credit cards
  • Finds and tracks your subscriptions instantly
  • The website says that 80% of people save money by using Truebill to find and cancel unwanted subscriptions
  • Provides breakdown of user expenses and notifies of upcoming fees and warnings about low balance
  • Helps users create a budget
  • Users can view their Experian VantageScore 3.0 credit rating and access their credit information
  • Provides an interest-free advance of up to $ 100 directly to qualified users’ checking accounts
  • Users can set goals, save money with the autopilot’s Smart Savings function
  • Concierge service available to identify bills to be reduced and, for a fee, Truebill will negotiate on behalf of users for the best rates (non-refundable negotiation fee ranges from 30% to 60% of the 12-month savings achieved as a outcome of the hearing)
  • Truebill Premium Service features include free access to the Smart Savings feature, unlimited budget categories, custom expense categories, real-time account balance updates, premium chat, subscription cancellation concierge, “Truebill offers” and training materials
  • Coming soon: Users can track their net worth
  • High Trust Score rating of 4.3 / 5 stars (based on 392 reviews)


  • It costs between $ 3 and $ 12 per month to upgrade to Truebill Premium Service
  • Non-refundable negotiation fee ranging from 30% to 60% of the 12-month savings achieved as a result of Truebill’s bill negotiation on behalf of users
  • Less than 10 reviews by the Better Business Bureau
  • Does not sell internet, landlines, cable / telephone / internet packages, alarm and security systems, satellite radio / TV or electricity bills

Features and how they work

One of the main features that TrueBill offers is the ability to find and cancel subscriptions you no longer use. To do this, TrueBill links to your bank accounts and analyzes your subscription transactions. When it finds subscriptions, you can choose which ones you want to keep and which ones you want to cancel.

Another service TrueBill provides is bill negotiation. To use this feature, you must take a photo of your invoice – such as your phone bill or cable bill – and upload it to the app or website. TrueBill’s team will then look for ways you can get additional discounts on your invoice.

And in cases where you stop receiving an overdraft charge for accidental overdrafts or a maintenance charge for falling below your bank’s mandatory minimum balance, TrueBill will request a refund for you. Keep in mind that it is not guaranteed that the refund will be granted but it is always worth a try – especially when you do not have to go through the hassle of doing it yourself.

The app can also help you track your expenses and save money on autopilot. To use these services, you must ensure that your bank accounts are connected to the app. It will categorize your transactions, which can make it easier for you to see where your expenses are highest (and lowest). From there, you can decide how much money you want to budget for each of your spending categories, and the app will alert you if you approach your spending limit in any of the categories.

When it comes to the savings function, you have to create a savings goal in the app and from there TrueBill will use your spending habits to decide how much money you should save and when you should save them. This way you still avoid unintentional overdrafts. And if you start using the save feature but decide you want a more convenient way to save your money, you can always pause this feature. You can also edit your goal or withdraw your money at any time and your savings are FDIC-insured. But you may want to consider moving your money to a high-yield savings account, such as Marcus by Goldman Sachs High Yield Online Savings, where you get interest on your money.

How to get started



Editorial note: Opinions, analyzes, reviews or recommendations expressed in this article are only those of the Select editorial staff and have not been reviewed, approved or otherwise approved by any third party.

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