shouldiuse.io

Categories

VERDICT

Should I use Subby?

Subscription tracker without bank login - subby.online

Worth it. Buy it if you want a free, manual subscription tracker that never touches your bank login and you tolerate ads. Skip it if you need automatic bank-sync detection or published Pro pricing before committing.

Confidence

Medium. Based on 12 public sources. Several unrelated companies named 'Subby' (business payments, construction, UK group) were excluded as noise.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo support evidence found
  • Security posture

Pricing

$0

Free

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
PRONot published in sources reviewed

Best for

  • Privacy-conscious individuals
  • Manual subscription tracking
  • People avoiding bank-linked apps
  • Frequent service cancellers

Not for

  • Anyone wanting automatic bank-sync subscription detection
  • Businesses needing recurring-billing tools — this is consumer-only
  • Users who won't accept ads on the free tier
  • Finance teams or enterprises — entirely out of scope

Gotchas - check before you buy

medium

Pro pricing not clearly published — check the FAQ before committing

medium

Nothing is auto-detected; you must add and track every subscription yourself

low

Free version is ad-supported; expect upsell prompts

low

Check backup/export options in the FAQ before storing your payment history

Pros and cons

Pros

  • Free with ads — no upfront cost
  • No bank login required
  • Keeps a full payment history log
  • Available on both iOS and Android
  • Explicitly markets as the bank-free Rocket Money alternative

Cons

  • No bank-sync automation; tracking depends on manual entry
  • Free tier is ad-supported
  • Simpler than full-featured rivals per competitor comparisons
  • Pro tier pricing not published in reviewed sources
  • Name collides with many unrelated 'Subby' products

Sources & method

Analyzed 10/02/2026 - 10 sources - No known vulnerabilities found in the sources reviewed.

official x4review x5security x1

Key stats

  • Value for money: 4/5

    Rating

  • $0

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 4/5. Free tier, no upfront cost
  • Ease of use: 4/5. Positioned as the simple option
  • Feature depth: 3/5. Simpler than full-featured rivals
  • Support quality. No support evidence found
  • Security posture: 4/5. No bank access; publishes security page
  • Yes Free tier Free with ads on Google Play
  • $0 Starting price Ad-supported free version
  • iOS + Android Platforms Listed on App Store and Google Play
  • None Bank access No bank login required by design

Pricing

Free

$0

  • Ad-supported
  • Subscription reminders and payment log

PRO

Not published in sources reviewed

  • Differences covered in official FAQ

Security

No known vulnerabilities found in the sources reviewed.

What users say

Listed on both app stores with positive-leaning review snippets, but sources expose truncated fragments, not quotable reviews.

Full analysis

Based on 12 public sources. Several unrelated companies named 'Subby' (business payments, construction, UK group) were excluded as noise.

Free, ad-supported subscription tracker with no bank login — solid for personal use, light for power users.

Methodology

Based on 12 public sources. Several unrelated companies named 'Subby' (business payments, construction, UK group) were excluded as noise.

Sources

  1. Subby. Subscription Tracker Without Bank Loginsubby.online
    official
  2. Subby FAQ: Free vs PRO, Reminders, Backups, Privacysubby.online
    official
  3. Product security pagesubby.online
    security
  4. Subby vs Rocket Money: The Bank-Free Alternativesubby.online
    official
  5. Subby: Subscription Tracker - Apps on Google Playplay.google.com
    review
  6. Subscription Tracker: Subby - App Storeapps.apple.com
    review
  7. ReSubs vs Subby: Simple and Free or Full-Featured?resubs.app
    review
  8. Suprascribe vs Subby: Subscription Tracker Comparedsuprascribe.com
    review
  9. Subby Alternatives - AlternativeToalternativeto.net
    review
  10. Subby Subscription Tracker - GitHubgithub.com
    official

Rate this review

Anonymous. You can change your vote.

Loading votes…

Comments

One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.

Save a name to write a comment.

0 / 200 words

No comments yet.