Best Subscription Tracker Singapore (2026)

In Singapore the best subscription trackers in 2026 are LemSubs (SGD-native, manual, no bank access), Bobby (free on iPhone), and TrackMySubs (renewal reminders, no bank login). Plaid does not cover Singapore, and SGFinDex is reserved for approved institutions, so no consumer tracker can read a DBS, OCBC or UOB account for you.

In short

Best Singapore pick with no bank access: LemSubs. Best free iPhone pick: Bobby. Best reminder-first paid option: TrackMySubs. Best self-hosted: Wallos. Tested August 2026 from a Singapore account.

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

The ranking

1. LemSubs

Best Singapore pick — SGD-native, no bank access needed

Verdict: LemSubs fits Singapore because the hard part here is not detection, it is untangling App Store and Google Play charges from the actual services. Being able to record the real service, the store that bills it, and the 9% GST separately is worth more than any feature the unavailable US apps advertise.

Strengths: SGD plus multi-currency totals; GST kept as its own export column; Notes the billing channel, such as App Store.

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

Best for: Singapore users who want SGD totals, GST-aware exports, and a record of which store billed each subscription.

Skip if: You want detection from your bank — that is not available to any tracker here.

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

2. Bobby

Best free iPhone pick in Singapore

Verdict: Bobby is the quickest way to get the list out of your head and onto a screen. No account, no bank access, SGD handled fine. You will outgrow it if you want the same list on a laptop or shared with family.

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

Trade-offs: iPhone only; No web version.

Best for: Singapore iPhone users who want a free list of subscriptions in SGD 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.

3. TrackMySubs

Reminder-first paid option, no bank login

Verdict: TrackMySubs earns its place on reminders alone, which is the failure mode that costs Singapore users the most: an annual plan renewing in USD without warning. Check the free-tier limit before signing up, because it is smaller than most people expect.

Strengths: Email reminders before renewal; No bank login; Works in SGD.

Trade-offs: Small free tier; Dated interface.

Best for: Singapore users who mainly want warning emails before annual renewals hit.

Skip if: You want a generous free plan.

Pricing: Free tier; paid plans from a few USD per month (verified 2026-08-09). Bank login: No. Free plan: Limited.

4. Subly

Home-screen widget for what is due next

Verdict: Subly is the best-looking option here and the widget is the point: seeing the next charge before it lands is what stops a forgotten renewal. It is a single-person, single-platform tool though.

Strengths: Widgets; No account needed; Handles SGD.

Trade-offs: Apple only; No sharing.

Best for: Singapore iPhone users who want the next charge on the home screen.

Skip if: You need web access or shared lists.

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

5. Wallos

Best self-hosted pick in Singapore

Verdict: Wallos is a good fit for Singapore's sizeable home-server crowd: no recurring cost, SGD supported, nothing leaves your network. You accept being the sysadmin in exchange.

Strengths: Free and open source (GPL-3.0); You hold the data; Multi-currency including SGD.

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

Best for: Technical users who want their data on their own machine with 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.

Singapore has data sharing, but not for third-party subscription apps

Singapore looks like it should be the easiest market for automatic subscription detection and is actually one of the hardest. SGFinDex, the government-backed system that pulls your bank, CPF, HDB and IRAS data together with Singpass, is only open to approved participants such as the major banks and a short list of licensed financial institutions. A small subscription-tracking app cannot plug into it, so nothing on the market can read your accounts through it.

The commercial route is closed too. Plaid has no Singapore coverage, so Rocket Money, Copilot Money and Monarch Money cannot connect a DBS, OCBC or UOB account. Regional aggregators such as Finverse and Brankas do provide bank APIs here, but they sell to licensed businesses, not to consumer apps you can sign up for on your own.

So in Singapore the realistic comparison is between manual trackers, and the deciding factors become currency handling and reminders rather than bank coverage. The one automatic view you already have is your bank's own app: DBS and OCBC both surface recurring card charges, though only for cards held with them.

Two local details are worth setting up once. GST is 9%, and most overseas software now charges it at checkout, so keep it as its own export column if you claim it. And a large share of household subscriptions here are billed through the App Store or Google Play in SGD or USD, which means the charge on your statement is the store, not the service — a tracker where you can name the real service and note the billing channel saves a lot of guesswork later.

No consumer subscription tracker can read Singapore bank data: Plaid has no coverage here and SGFinDex is limited to approved institutions. Every pick below works in SGD without a bank login.

Frequently asked questions

What changed since the last update

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

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