Best Subscription Tracker Ireland (2026)

In Ireland the best subscription trackers in 2026 are LemSubs (EUR-native, manual, no bank access), Emma (PSD2 open banking, if your Irish bank is on its supported list), and Bobby (free on iPhone). US-first apps such as Rocket Money still expect a US account, so treat them as unavailable here.

In short

Best Irish pick with no bank access: LemSubs. Best open-banking pick: Emma, once you confirm your bank is supported. Best free iPhone pick: Bobby. Tested August 2026 from an Irish account.

Last reviewed 2026-08-09. First published 2026-08-09.

The ranking

1. LemSubs

Best Irish pick — EUR-native, no bank access needed

Verdict: LemSubs is the safest Irish default because it works the same whatever bank you use and whichever card a subscription sits on. It also handles the split most Irish freelancers need: personal subscriptions in one workspace, company ones in another, with a VAT column that survives export.

Strengths: EUR plus multi-currency totals; VAT and supplier country kept in exports; No bank consent needed.

Trade-offs: Manual entry or CSV import; No PSD2 bank feed.

Best for: Irish users who want EUR totals, VAT-ready exports, and no open-banking consent.

Skip if: You want subscriptions found for you — LemSubs is manual or CSV import.

Pricing: Free (10 subs); Pro $7.99 USD/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.

2. Emma

Best open-banking pick, if your bank is supported

Verdict: Emma is the strongest automatic option Irish users can actually get, but the honest instruction is to check its supported-banks list for your AIB, Bank of Ireland, PTSB or Revolut account before paying. When coverage is there, detection is good; when it is not, you are back to manual entry on a paid plan.

Strengths: Finds recurring payments for you; Polished mobile app; EUR handled natively.

Trade-offs: Consent must be renewed every 90 days; Irish bank coverage varies — check before paying.

Best for: Irish users happy to grant PSD2 access so recurring payments are found automatically.

Skip if: You are not comfortable giving an app read access to every account.

Pricing: Free tier; paid tiers billed monthly (verified 2026-08-09). Bank login: Required. Free plan: Limited.

3. Bobby

Best free iPhone pick in Ireland

Verdict: Bobby is the answer in Irish threads asking for something free. No account, no bank access, EUR by default. Its limits are the same everywhere: iPhone only, and nothing to open on a laptop.

Strengths: Free and unlimited; Stays on your phone; EUR supported.

Trade-offs: iPhone only; No web version.

Best for: Irish iPhone users who want a free list of subscriptions in EUR with no signup.

Skip if: You use Android or want a web view.

Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

4. Subly

Home-screen widget for what is due next

Verdict: Subly is the prettiest option here and the widget genuinely changes behaviour, because you see the charge before it lands. It runs out of room the moment a partner needs the same list.

Strengths: Widgets and quick entry; No account needed; Handles EUR.

Trade-offs: Apple only; No sharing.

Best for: Irish iPhone users who want the next charge visible without opening an app.

Skip if: You need web access or a shared household list.

Pricing: Free with a paid unlock (verified 2026-08-09). Bank login: No. Free plan: Limited.

5. Wallos

Best self-hosted pick in Ireland

Verdict: Wallos is the right pick if you already run a home server and want zero recurring cost with full data control. Everything else about it is a trade: you patch it, and mobile is a browser tab.

Strengths: Free and open source (GPL-3.0); Data stays on your hardware; Multi-currency including EUR.

Trade-offs: You run the server; No native mobile app.

Best for: Technical users who want their own server and no monthly fee.

Skip if: You do not want to maintain a Docker container.

Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

Ireland is an EU open-banking market with very few local apps

Ireland runs on PSD2, so any app that reads your bank account must be an account information service provider authorised by the Central Bank of Ireland or passporting in from another EU regulator. That gives Irish users a real legal right to share data with a licensed app, which New Zealand and Canada still lack. What Ireland does not have is a home-grown subscription tracker: the tools available here are UK or EU apps that added Irish bank coverage.

Practically, that means you need to check coverage rather than trust a review. AIB, Bank of Ireland, Permanent TSB and Revolut are the four accounts most Irish households actually use, and support varies app by app. Before paying for any open-banking tracker, look for those four names on the provider's own supported-banks page.

Revolut matters more in Ireland than in most markets. Millions of Irish adults use it as a day-to-day account, and card subscriptions billed to a Revolut card show up in Revolut's own in-app view. That covers the charges on that card only, which is exactly the trap: your Netflix might be on Revolut while your broadband direct debit sits with AIB, so a Revolut-only view understates your monthly total.

The last Irish detail is tax. Standard VAT is 23% and most overseas software charges it. If you are a sole trader or run a limited company, choose a tracker that keeps the VAT amount and the supplier country in the export, because that is what your accountant needs at year end.

Every pick below works with EUR and an Irish billing address. Open-banking coverage of AIB, Bank of Ireland, Permanent TSB and Revolut differs by app, so confirm on the provider's supported-banks page first.

Frequently asked questions

What changed since the last update

• 2026-08-09: First publication. 5 trackers usable from an Irish account, ranked.

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