Find and cancel unwanted subscriptions

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netflix, Amazon Premier, Spotify, Instacart Express, HBO Max, Apple Music, iCloud, Cable, etc. – the list of subscriptions that people have can grow longer and longer. It’s often easy to forget the many subscriptions you’ve had and, over time, the ones you may have slowly stopped using. Unfortunately, just because they’re not being used doesn’t mean you’re still not paying for the service.

Scanning your bank accounts for those unused subscriptions and canceling them can be time-consuming and exhausting. TrueBill, however, seeks to eliminate some of those hassles. It’s an app and online platform that syncs with your accounts to find subscriptions you’ve paid for. In addition to that, the app also offers a bill negotiation service so that you can reduce the costs of the things you need to pay every month.

Below, Select details what you need to know about the TrueBill app, including each of its features, how to get started, and a few other important details you need to know if you want to try out the service.

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TrueBill Reviews


On the secure site of Truebill

  • Cost

    Free, with option to upgrade to Premium Truebill service for a fee of $3 to $12 per month; invoice negotiation costs between 30% and 60% savings over 12 months from negotiation

  • Standout Features

    Easily cancel unwanted subscriptions, track your spending and credit score, automate savings, and get help lowering your bills

  • Categorize your expenses

    Yes, Truebill instantly identifies your top spending categories

  • Links to accounts

    Yes, bank cards and credit cards

  • Availablity

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

  • Security functions

    Truebill accesses user transaction data via an encrypted token, uses the Plaid API so user credentials are never stored, provides 256-bit bank-level encryption, and hosts servers on Amazon Web Services (AWS) secure, which is used by the Department of Defense, NASA and the Financial Industry Regulatory Authority (FINRA)


  • Negotiates cell phone and cable bills, and helps you get some bank charges reimbursed
  • Free version available
  • Syncs with your bank accounts and credit cards
  • Instantly find and track your subscriptions
  • Website says 80% of people save money by using Truebill to find and cancel unwanted subscriptions
  • Provides a breakdown of user spending and notifies of upcoming charges and low balance alerts
  • Helps users create a budget
  • Users can view their Experian VantageScore 3.0 credit score and access their credit report
  • Provides an interest-free salary advance of up to $100 directly to eligible users’ checking accounts
  • Users can set goals and save money with Autopilot’s smart savings feature
  • Concierge service available to identify bills for reduction 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 savings over 12 months of negotiation)
  • Premium Truebill service features include free access to smart savings feature, unlimited budgeting categories, custom spending categories, real-time account balance updates, premium chat, concierge service cancellation policy, “Truebill offers” and educational materials.
  • Coming soon: users can track their net worth
  • High Trustscore rating of 4.3/5 stars (from 392 reviews)

The inconvenients

  • Costs between $3 and $12 per month to upgrade to Truebill Premium service
  • Non-refundable trading fee ranging from 30% to 60% of savings over 12 months from trading Truebill’s bill on behalf of users
  • Less than 10 Better Business Bureau reviews
  • Does not negotiate internet, landline phones, cable/phone/internet plans, alarm and security systems, satellite radio/TV or electricity bills

Features and Operation

One of the main features offered by TrueBill is the ability to search and undo subscriptions that you no longer use. To do this, TrueBill connects to your bank accounts and analyzes your transactions for subscriptions. Once it finds subscriptions, you can choose which ones you want to keep and which ones you want to cancel.

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

And in cases where you end up being charged overdraft fees for accidental overspending or maintenance fees for falling below your bank’s required minimum balance, TrueBill will request a refund for you. Keep in mind that refunds aren’t guaranteed, but it’s always worth a shot, especially when you don’t have to worry about 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 application. It will categorize your transactions, making it easier for you to see where your spending is highest (and lowest). From there, you can decide how much you want to budget for each of your spending categories, and the app will alert you if you’re nearing your spending limit in any of the categories.

As for the savings feature, you will need to create a savings goal in the app and from there, TrueBill will use your spending habits to determine how much money to save and when. This way, you will still avoid accidental overdrafts. And if you start using the savings feature but decide you want a more convenient approach to storing your money, you can always pause this feature. You can also change your goal or withdraw your money at any time, and your savings are FDIC insured. However, you may want to consider transferring your funds to a high-yield savings account, such as the Marcus by Goldman Sachs High Yield Online Savingswhere you will earn interest on your money.

How to start

There are many features you can use through TrueBill, but the first step before you can explore any of them is to create an account. You can do this by download the TrueBill app and entering your name, email address and a password of your choosing.


The TrueBill app is free to download, but you will need to pay a premium subscription to use some of its features. The app actually lets users decide for themselves how much they want to pay for the premium subscription – the amount can range from $3 to $12 per month with the option to be billed annually if you choose to. pay $3 per month or $4 per month.

With the premium version, you will have access to the ability to sync your bank accounts with the app, subscription cancellation, automatic savings, customizable savings categories and unlimited budgets, to name a few. only a few.

The invoice negotiation feature is free if the TrueBill team is unable to successfully negotiate lower prices for you. If they are able to save you on your bill, they will charge you a percentage of what you can expect to save in the first year. However, you can choose the percentage they charge (from 30% to 60%) while you submit your trading request.

There are others subscription trackers that offer similar services, but different fees, compared to TrueBill, such as and PocketGuard. Their offerings and pricing structure could potentially better suit your needs.

At the end of the line

If you think you have a number of subscriptions or bills draining your money each month, TrueBill can offer an affordable way to reduce some of these costs. It’s not really surprising that such an app charges for premium features, but what stands out about TrueBill is the user’s ability to choose how much they pay for the premium subscription and how much the discount the app receives for successfully negotiating bills. This can make it more affordable for more users.

However, if you feel comfortable calling your banks and other service providers for your bills and negotiating lower payments yourself, it may not make sense for you to potentially pay for Let TrueBill do it for you.

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Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

Lance B. Holton