Published Jul 12, 2026 · 1 min · Last updated: Jul 12, 2026
How to Track Subscriptions Without Linking Your Bank Account
You don't need to hand over net-banking credentials to see every recurring charge. Here's how signal-based tracking works — and why it's safer.
The dominant model in Western personal finance apps is bank aggregation: you give the app your net-banking login, it scrapes your statements, and you get a categorised feed. It works, but it maximises your risk surface — your credentials sit outside your bank, and every transaction is exposed to the app.
There's a safer model: signal-based tracking. Recurring charges announce themselves in three places you already control — SMS confirmations, email receipts, and app-store billing records. An app that reads those signals can build a complete subscription map without ever touching your bank credentials or transaction history.
The tradeoff is minor: signal-based tracking sees recurring charges but not one-off spend. For subscription tracking, that's exactly the right scope.
Saveiy is signal-based by design. We never ask for net-banking credentials, we never store card numbers, and we only read the confirmations your bank and merchants already send to you.