Direct debits are easy to set up and even easier to forget. The gym membership from two years ago, the streaming service you stopped watching, the insurance premium that quietly goes up each year — they all leave your bank account on schedule, whether you notice or not. The fix is not a spreadsheet you will never open. It is an app that shows every recurring payment in one place and warns you before the money leaves.
Here are the seven best apps for tracking direct debits, picked for how well they actually work with local bank accounts. Prices are as listed in October 2026 and can change, so check the app’s own pricing page before you sign up.
1. Frollo
Best for: free, automatic tracking of all your accounts.
Frollo is a local money app that connects to your bank accounts through open banking and automatically sorts your transactions. Recurring payments and direct debits show up grouped together, so you can see at a glance what leaves your account each month and spot anything you no longer recognise. It is free to use, which makes it the easiest starting point on this list. The trade-off is that it is a tracking tool, not a cancellation service: if you find a debit you want gone, you still need to cancel it with the biller or your bank.
2. WeMoney
Best for: tracking bills alongside your credit score.
WeMoney is another homegrown app that links your bank accounts and groups your regular payments, bills and subscriptions in one feed. It also shows your credit score and flags upcoming bills, which helps if a debit is about to hit before payday. The basic app is free, with a Pro plan at $9.99 a month for extra features. If you like seeing your bills and your credit health in the same place, this is a strong pick.
3. PocketSmith
Best for: long-range forecasting and households with many accounts.
PocketSmith started in New Zealand and supports a wide range of banks on both sides of the Tasman, with live bank feeds for most major institutions. Its real strength is forecasting: it projects your balance weeks and months ahead, including every direct debit, so you can see whether a big bill will leave you short. There is a free plan, and paid plans start from around $14.95 a month. It is more detailed than the free apps above, which suits people who want the full picture rather than a quick glance.
4. Up
Best for: people who already bank with Up, or are happy to switch.
Up is a digital bank rather than a standalone tracking app, but its app is one of the best at showing where your money goes. Transactions are automatically categorised, regular payments are easy to spot, and couples can share an account view with 2Up. There is no account fee for the standard account. The catch is obvious: it only tracks the money held with Up, so it works best if Up is your main account rather than one of several.
5. CommBank app
Best for: checking your debits without downloading anything new.
Before you install another app, check the one your bank already gave you. The CommBank app, like the apps from the other major banks, lets you view scheduled and recurring payments on your accounts, set up alerts for account activity, and see your spending broken down by category. It only covers your accounts with that bank, but for many people that is enough — and it costs nothing extra. If your debits are spread across several banks, though, you will need one of the account-linking apps above to see them all together.
6. YNAB (You Need a Budget)
Best for: hands-on budgeters who want every dollar assigned a job.
YNAB is a popular budgeting app built around giving every dollar a purpose before you spend it. It handles recurring payments well, because regular bills become planned monthly targets rather than surprises. Two honest warnings for local users: it is a paid subscription at around $23 a month, and its automatic bank syncing is designed mainly for the United States and Canada, so most local users end up importing transactions manually or entering them by hand. If you enjoy hands-on budgeting, it is excellent; if you want fully automatic tracking, start with Frollo or WeMoney instead.
7. Ditchr
Best for: subscriptions only, with no bank login required.
Ditchr does one job: it tracks your subscriptions and warns you before renewals and free-trial charges. It never asks for a bank login — you add subscriptions yourself or import them from a screenshot, statement or email — so your financial data stays on your device. It is free to download and use on iOS and Android. It will not track bank direct debits automatically, since it does not connect to your accounts, but it is the simplest option if subscriptions are the payments you keep forgetting, and it points you to exactly where to cancel each one.
How to pick the right one
If you want the simplest free option that covers all your banks, start with Frollo. If you also want your credit score in the same app, try WeMoney. If you want to see months ahead and plan around big bills, PocketSmith is worth the paid plan. And if you mainly bank with one institution, your own bank’s app may already do the job for free.
Whichever app you choose, do a monthly five-minute review: open the recurring payments list, cancel anything you no longer use, and check for amounts that have crept up. Finding a debit is only half the job — if you do spot one you want stopped, our guide to how to cancel a direct debit walks through the steps. And if a debit looks wrong or unauthorised rather than merely unwanted, read can you dispute a direct debit before you act.
One thing no app can do for you
No tracking app can cancel a direct debit on your behalf. Apps can show you the payment and remind you it is coming, but the cancellation itself happens with the biller or your bank. That is worth knowing before you pay for any app that promises to “cancel everything for you” — in most cases, it can only show you where to cancel.
