No Bank Login Required
PocketGuard requires you to connect your bank account before seeing any results. CheckSpent works from a simple statement upload — we detect your subscriptions without ever accessing your bank.
PocketGuard requires connecting your bank account and charges up to $12.99/month. CheckSpent finds your hidden subscriptions from a simple file upload — no bank access, no account, one payment.
No account needed · No bank login · Results in minutes
PocketGuard requires you to connect your bank account before seeing any results. CheckSpent works from a simple statement upload — we detect your subscriptions without ever accessing your bank.
PocketGuard charges up to $12.99/month — that's $155/year with no free plan after the trial. CheckSpent is a single payment of $7.95 AUD. Pay once, done.
PocketGuard stores your connected bank transaction history as part of its ongoing service. CheckSpent analyses your file and discards it — nothing is stored after your report is generated.
Every claim below is sourced directly from PocketGuard's official website.
| Feature | CheckSpent ✅ | PocketGuard |
|---|---|---|
| Requires bank login | ✅ No — file upload only | ❌ Yes — mandatory |
| Requires account creation | ✅ No account needed | ❌ Account required |
| Free tier available | ✅ One-time $7.95 AUD — no trial needed | ❌ 7-day trial only |
| Pricing model | ✅ One-time $7.95 AUD | ❌ $6.25–$12.99/month |
| Data retained after analysis | ✅ No data stored | ❌ Transaction history stored |
| Works worldwide | ✅ Any country | ⚠️ US, UK, Canada only |
| Cancellation guides included | ✅ Yes, step-by-step | ❌ Not included |
| 1:1 savings session available | ✅ Yes ($395 AUD) | ❌ Not available |
PocketGuard pricing and features verified from pocketguard.com as of April 2026. Features may change — check their site for the latest.
Export your transactions as PDF, CSV, or screenshot from your bank's app. Any bank, any country.
Our AI scans your statement and identifies every recurring charge, including ones you've forgotten about.
Get a full report with cancellation guides, negotiation templates, and savings estimates. Keep what you want, cut the rest.
PocketGuard is a capable budgeting app — but it needs your bank login and charges you every month. If you'd prefer a one-off check without handing over your banking credentials, CheckSpent gives you the same core insight from a simple file upload. Pay once, done.
Start Your Free Check📋 About the accuracy of this comparison
This page is provided for general informational purposes only. All information regarding third-party products and services, including PocketGuard, is based on publicly available sources at the time of writing. We make no representations as to the accuracy, completeness, or currency of this information. Product features, pricing, and availability may change at any time without notice.
We are not affiliated with, endorsed by, or sponsored by PocketGuard. All third-party trademarks and brand names are the property of their respective owners and are used here solely for identification and comparison purposes.
Before making any financial or purchasing decision, we strongly recommend that you visit the relevant provider's website directly to verify current terms, pricing, features, and availability in your jurisdiction.
No account. No bank login. Works in the US, UK, Canada and anywhere else. Results in minutes.
Upload your bank statement and get a detailed AI-powered report of every recurring charge you pay.
Most people find subscriptions they forgot about.
Get my subscription report →One-time payment · No subscription
For informational purposes only. Not financial advice.
18 proven email templates to cancel any subscription, negotiate lower rates, and get refunds — without calling anyone.
One email paid for itself. The other 17 are profit.
Get the templates →One-time payment · No subscription
For informational purposes only. Not financial advice.
One-time payment · No subscription · No login required
File never stored · No names or IDs retained · No deposits tracked