SubSavvy alternative without a bank login
By Karla CastroUpdated October 30, 2026
SubSavvy and Expenvo both start from a statement you already downloaded, not from a bank login. Expenvo reads the PDF in your browser, so the file stays on your device, and it lists bank fees next to subscriptions. It does not tell you to cancel.
SubSavvy and Expenvo
Checked 29 October 2026. SubSavvy facts come from subsavvy.ca. Expenvo facts come from pricing. Prices can change.
One statement a day can be read with no account. That view lists every bank fee and every subscription. A free account keeps one statement a month and the 3 largest fees and the 3 largest subscriptions. Pro is $5.99 USD/mo. Yearly pricing, and the price for your country, are on Pricing.
| SubSavvy | Expenvo | |
|---|---|---|
| Bank login | None. You upload a downloaded statement. | None. You choose a downloaded PDF. |
| Files read | PDF or CSV. | PDF. |
| Where the file goes | Sent for processing, then deleted after text extraction, per SubSavvy. | Read in your browser. The PDF stays on your device. |
| Main job | Find subscriptions, cancel guides, cheaper alternatives, and billing reminders on Pro. | List bank fees and subscriptions, sort spending, and on Pro give tips for a call about a fee. |
| Tells you to cancel | Offers cancel guides. | No. Subscriptions are listed, not counted as savings. |
| Free | $0 scan of top subscriptions. Results expire in 24 hours. | No account for the first statement each day. A free account is 1 statement a month and keeps the 3 largest fees and the 3 largest subscriptions. |
| Paid | Full Report $4.99 one time plus tax. Pro $7.99 a month plus tax, or $79 a year. | Pro is $5.99 USD/mo. Yearly pricing, and the price for your country, are on the pricing page. Sales tax can be added at checkout. |
Which one fits
SubSavvy is the better fit if you want cancel guides for a long list of Canadian services, a French interface, a CSV instead of a PDF, or a reminder before a renewal. SubSavvy says it supports French statements.
Expenvo fits if you want the file to stay on your device, bank fees listed beside subscriptions, a US statement as well as a Canadian one, or a list that does not push you to cancel. US dollars stay in USD. Canadian dollars stay in C$.
Download the PDF first. The bank steps are on how to download a statement. Then open it in Expenvo. A wider no login comparison is on money apps that do not link your bank. Looni is on a Looni alternative you can use today.
Find every fee and subscription on your statement. Upload a PDF on the upload page. No bank login. The PDF stays on your device.
Questions
- Is there a free SubSavvy alternative?
- Yes. Expenvo reads one statement a day with no account, and that view lists every bank fee and every subscription. A free account keeps one statement a month and the 3 largest of each.
- Does Expenvo upload my statement?
- No. Expenvo reads the PDF in your browser. The PDF stays on your device.
- Does Expenvo cancel subscriptions?
- No. It lists them. You cancel with the merchant if you choose to.
- Can Expenvo read a CSV?
- No. Expenvo is built for PDF statements.