Banknaked vs kill the sub

Automated Fee Detection

Our advanced algorithms automatically scan your connected bank accounts to identify every charge. This includes recurring monthly account fees, foreign exchange markups on card transactions, ATM withdrawal fees, and wire transfer costs that are often hidden in lengthy statements.

Visual Fee Dashboard

Gain instant clarity with a clear, visual breakdown of your total banking costs over the last 12 months. The dashboard categorizes all fees into easy-to-understand charts, showing you exactly where your money is going without any financial jargon.

Personalized Bank Recommendations

Receive tailored suggestions for alternative banking providers that could save you significant money. Recommendations are based on your actual transaction history and fee profile, helping you switch to an account that genuinely fits your lifestyle.

Secure Open Banking Integration

Connect your bank in minutes through secure, certified Open Banking APIs. Banknaked uses read-only access, bank-level encryption, and is fully GDPR compliant. Your data is processed securely and never stored longer than necessary.

Instant AI-Powered Analysis

Our system uses advanced AI to scan your uploaded bank or credit card statements. It instantly identifies patterns and flags recurring transactions, accurately distinguishing between subscriptions and other regular bills. This happens in under two minutes, providing you with a complete, organized list of every active subscription and its annual cost without any manual tracking on your part.

Direct Cancel Links & Difficulty Scores

Once you unlock your results, each identified subscription comes with a direct link to its cancellation page. More importantly, each service is tagged with a "cancel difficulty score" based on known dark patterns—like hidden buttons or mandatory surveys—so you know exactly what to expect before you start the process, saving you frustration.

Exclusive AI Cancellation Agent (MCP Endpoint)

This exclusive feature sets Kill the Sub apart. Upon payment, you receive a personal MCP endpoint. You can share this with any AI agent and instruct it to cancel specific subscriptions for you. The agent knows industry tricks, understands which services require emails or phone calls, and can even draft and send cancellation emails from your Gmail, automating the most tedious parts.

Privacy-First, One-Time Pricing

Your financial data is handled with utmost security. Your statements are processed and immediately permanently deleted—nothing is stored. The pricing model is transparent and simple: a single, one-time payment of $3 with no subscription or hidden fees. We are so confident you'll save money that we offer a refund if you don't save more than $3.

The Cost-Conscious Consumer

Individuals who want to optimize their monthly expenses use Banknaked to perform a quick health check on their bank accounts. They uncover hidden annual fees and receive data-driven recommendations for switching to a cheaper provider, potentially saving hundreds of euros.

The Frequent Traveler

People who travel or make purchases in foreign currencies use Banknaked to identify costly FX markups and international transaction fees charged by their bank. They then find and switch to accounts with better travel-friendly terms and lower foreign exchange costs.

The Financial Organizer

Anyone seeking full transparency in their financial life uses Banknaked to consolidate and understand all banking charges across multiple accounts in one simple dashboard. This provides a single source of truth for managing all banking-related expenses.

The Proactive Student or Graduate

Young adults opening their first accounts or managing student finances use Banknaked to ensure they are not overpaying for basic banking services. They find fee-free or low-cost accounts suited to their transaction patterns and limited income.

The Annual Financial Audit

Individuals or families conducting a yearly review of their finances use Kill the Sub to get a precise snapshot of all recurring software, entertainment, and service charges. It transforms a hours-long manual investigation into a two-minute task, identifying forgotten trials that converted to paid plans or services that are no longer essential, leading to significant annual savings.

Pre-Budgeting for a Large Purchase

Someone saving for a house, car, or vacation uses the tool to quickly find and eliminate "leaky bucket" expenses—small subscriptions that add up to hundreds of dollars per year. By canceling these unnecessary costs, they can reallocate that money directly into their savings goal, accelerating their timeline without impacting their primary income.

Simplifying Account Management for Busy Professionals

Professionals with limited time use the AI Cancellation Agent feature to delegate the tedious work. Instead of navigating multiple confusing cancellation flows, they simply tell their AI agent which subscriptions to cancel. The agent handles the web browsing, form filling, and email drafting, freeing up valuable hours.

Post-Trial Cleanup

Users who frequently sign up for free trials with credit cards use Kill the Sub to catch services that automatically convert to paid subscriptions. By uploading statements every few months, they can instantly see which trials have expired and turned into charges, allowing them to cancel immediately and avoid ongoing fees.

Banknaked is a revolutionary financial transparency tool designed to expose the hidden fees and charges that banks quietly deduct from your accounts. The average consumer pays over €250 annually in unnecessary banking costs, often buried in complex statements. Banknaked solves this by using secure Open Banking connections to provide a clear, comprehensive breakdown of all your banking expenses. It automatically detects monthly maintenance fees, foreign exchange markups, ATM withdrawal charges, wire transfer costs, and other elusive "miscellaneous" fees. The service is built for anyone who wants to gain true clarity and control over their financial life, ensuring they are not losing money to opaque banking practices. With a staunch privacy-first approach, Banknaked offers read-only access and encrypted data processing, so your security is never compromised. In just minutes, users get a visual dashboard of their total fees, explanations in plain language, and personalized recommendations for cheaper banking alternatives tailored to their actual spending patterns. Start by exploring your costs for free and upgrade for deeper, ongoing insights.

Kill the Sub is a financial clarity tool designed to find and cancel forgotten subscriptions. It solves the modern problem of subscription creep, where recurring charges for streaming services, software, apps, and memberships silently drain your finances. The process is simple: users upload 2-3 months of bank or credit card statements (CSV or PDF). In under 90 seconds, proprietary AI analyzes the documents to detect all recurring charges, presenting a clear overview of your total annual subscription costs. For a one-time fee of $3, you unlock the full report with direct cancel links. The service is built for privacy—your files are analyzed and immediately deleted, never stored. Its core value proposition is delivering immediate, actionable insight into your spending with the fastest path to cancellation, saving you both time and money. It’s ideal for busy professionals, students, freelancers, and anyone who wants to declutter their finances and stop paying for services they no longer use.

Is Banknaked safe to use?

Yes, security is our top priority. We use secure Open Banking APIs, which provide read-only access to your data. We never see your login credentials. All data is encrypted, processed securely, and we are fully GDPR compliant, never storing your information longer than necessary.

How much can I really save?

The average user uncovers over €250 in unnecessary fees per year. Your actual savings depend on your current bank and transaction habits. Banknaked provides a personalized analysis and shows you exactly what you're paying, with recommendations for cheaper alternatives.

Which banks can I connect?

Banknaked connects to most major European banks through secure Open Banking standards. The connection process is instant and guided within the app. We continuously add support for more financial institutions to increase our coverage.

What is the cost of using Banknaked?

You can start exploring your banking fees completely for free. This initial scan gives you a full breakdown of your costs. We offer optional premium upgrades for users who want ongoing monitoring, deeper historical analysis, and advanced insights.

Is my financial data safe?

Yes. Privacy and security are fundamental. The moment you upload your bank or credit card statements (CSV or PDF), our system analyzes them. Immediately after analysis, your files are permanently and irrevocably deleted from our servers. We do not store your financial documents or transaction data.

What if I don't save more than $3?

We guarantee your savings. If our tool does not help you identify and cancel at least $3 worth of future subscription costs, we will refund your one-time payment. Simply contact our support with your results, and we will process the refund.

How does the AI Cancellation Agent work?

When you pay the $3 fee to unlock your full results, you gain access to a unique MCP endpoint. You can provide this endpoint to a compatible AI agent (like an advanced assistant). You then instruct the agent, in plain language, on which subscriptions to cancel. The agent uses its knowledge of cancellation dark patterns and methods to navigate websites or send emails on your behalf.

What file formats do you accept?

We accept both CSV and PDF statements from any bank or credit card provider. You only need to upload the last 2-3 months of statements for our AI to accurately identify recurring charges. The upload and analysis process is designed to take under 90 seconds.

Banknaked is a financial clarity tool that uses Open Banking to automatically find and explain hidden bank fees. It belongs to the personal finance management category, helping users save money by revealing often-overlooked charges. Users may look for alternatives for various reasons, such as different pricing models, a need for broader financial features beyond fee analysis, or specific platform availability. Some may prefer an all-in-one budgeting app or a service with a different focus. When evaluating alternatives, consider the core value: secure, automated fee detection. Look for tools that offer clear data visualization, actionable insights to reduce costs, and a strong commitment to data privacy and security. The right choice depends on your specific financial goals and the depth of analysis you require.

Kill the Sub is a personal finance tool designed to help you find and cancel forgotten subscriptions. It uses AI to analyze your bank or credit card statements, quickly identifying recurring charges so you can stop unnecessary spending for a flat fee of just three dollars. Users often look for alternatives to subscription management services for various reasons. Some may seek a different pricing model, such as a free tier or a monthly plan. Others might need specific features, like direct cancellation assistance or integration with particular financial institutions. Platform availability, whether web-based or a mobile app, is also a common consideration. When evaluating an alternative, consider the core value: does it accurately identify subscriptions from your financial data? Look for transparency in pricing and data security. The best tool for you will efficiently solve the problem of hidden recurring charges while fitting your budget and comfort level with sharing financial information.