You got
ghosted
by your own bank.
Send last month's statement. We name every subscription, gym, price rise and forgotten direct debit quietly draining your account — with one tap to ghost each one back. No bank login.
across our pilot cohort · illustrative
The 10 we find most.
The recurring charges that show up most often on a UK current account, modelled from public pricing.
- 0171%Amazon Prime£8.99/mo
- 0264%Netflix£12.99/mo
- 0358%Apple iCloud+£2.99/mo
- 0452%Spotify£11.99/mo
- 0539%Disney+£8.99/mo
- 0628%PureGym£24.99/mo
- 0722%Sky Sports add-on£26.00/mo
- 0819%Audible£7.99/mo
- 0914%Norton 360£7.42/mo
- 1012%YouTube Premium£12.99/mo
Roughly 1 in 4 of these is being paid for by someone who's stopped using it.
Browse the Vault →Ghost of the week
Composite · illustrative
£734 a year by brands she'd forgotten about.
- Sky Sports — haven't watched it in months£26/mo
- Norton Antivirus — auto-renewed three years running£89/yr
- Admiral renewal — loyalty premium, quietly+£21/mo
- BT line rental — moved to mobile in 2019£18.99/mo
Composite of patterns we see in UK pilot users. Names and amounts illustrative — based on public pricing.
Britain's most
ghosted brands.
The five recurring charges showing up most across our pilot cohort this week. Modelled from public UK pricing — illustrative.
- 01SkyRenewal pricing▲ climbing
Loyalty pricing typically £41/mo above new-joiner deals.
Spotted on 1,284 pilot statements£41/motypical - 02PureGymUnderused▲ climbing
Average pilot user: 63 days since last check-in.
Spotted on 982 pilot statements£24.99/motypical - 03Norton 360Auto-renewalNEW
Often still billing 3+ years after the device was retired.
Spotted on 741 pilot statements£89/yrtypical - 04Amazon (×4)Multiple charges▼ cooling
Prime, Kindle, Music & AWS commonly billed as four separate lines.
Spotted on 663 pilot statements£11.98/motypical - 05AudibleUnused credits▲ climbing
Pilot users average 8 unused credits sitting on the £7.99/mo plan.
Spotted on 514 pilot statements£7.99/motypical
Modelled from public UK pricing across our pilot cohort. Brand names used factually to describe published pricing — not allegations of wrongdoing.
Things that don't trap you
in another monthly bill.
A short shelf of stuff Ellie actually uses to keep recurring payments under control — rolling contracts, cancel-anytime tariffs, virtual cards for free trials. If a partner pays us when you sign up, we say so.
A new card number for every free trial
Use it once, it dies. They can't bill you next month if the card no longer exists.
Mobile you can cancel any month
On Three's network. No 24-month tie-in, no credit check. Good for kids' first phones too.
Tariffs you can leave whenever
Trackers and time-of-use plans without the lock-in. Walk away in 30 days if it stops suiting you.
Broadband with no 24-month tie-in
Not the cheapest headline price, but you can leave next month without a £200 exit fee.
A gym pass that doesn't outlive your motivation
Buy a day, a week, a month. No 12-month direct debit haunting you in March.
The polite 'I'm thinking of leaving' call
Sometimes the cheapest deal is the one you already have, after one phone call. We'll write you the lines.
Some shelf items pay Ghostquid a small commission if you sign up — same price for you either way, and we only put things on here that genuinely help you stay in control of recurring payments. Not financial advice.
Why →How a scan actually works.
Open your banking app, hit statements, share the PDF. Every UK bank does it.
No login, no Open Banking faff. The file goes to us, the money stays where it is.
Subs you forgot, the gym you don't go to, that £3 your broadband added in April.
The kind of thing
we'll flag for you.
Examples drawn from common patterns in our pilot cohort. Your real report will name your own line items.
Common pattern: 60+ days between visits.
In-contract CPI+ rises typical for UK broadband.
Prime, Kindle, Music & AWS often bill separately.
App trials commonly auto-roll to monthly.
Family plans often outlive the household.
Many users pay for 2–3 overlapping AI tools.
All figures based on publicly listed UK pricing at time of writing. Illustrative — your scan will show your actual line items.
"Look — I had 12 subs I'd forgotten about, was paying for the same app twice, and a gym taking £32 a month while I sat on my sofa. I'm not a finance person. I just got annoyed enough to build the thing I wished existed."
Ghostquid isn't trying to be your bank, your advisor, or another app you have to remember to open. Drop in a statement when you feel like it. We'll do the squinting.
Find the ghosts.
Keep the money.
Upload a statement Ghostquid Ltd · Registered in England & Wales · 14882199. Ghostquid is a software tool, not a regulated financial adviser. We do not move money, initiate payments, or cancel subscriptions on your behalf. Some links on this page are affiliate links — we may earn a small commission if you switch. Prices are the same either way.