Unknown Charges on Your Bank Statement
Seeing a charge you don’t recognize can be stressful. You might wonder if it’s fraud, a mistake, or a subscription you forgot about.
Most of the time, these charges are not scams — they’re forgotten trials, renamed merchants, or silent renewals that blend into your statement.
A €5–€15 monthly charge may not look serious — but over a year, that’s €60–€180 lost.
Find My Unknown ChargesWhat Causes Unknown Charges?
Merchant Name Changes
Companies often bill under parent company names that look unfamiliar.
Forgotten Subscriptions
Old trials and unused services can keep billing silently.
Duplicate or Delayed Charges
Some transactions appear twice or post days later.
Is an Unknown Charge Always Fraud?
Not usually. While fraud is possible, most unrecognized charges turn out to be legitimate. The problem is that statements don’t explain context — just names and amounts.
That’s why people miss small recurring charges for months or years.
How This Analyzer Helps
Pattern Detection
Finds repeating charges that indicate subscriptions.
Merchant Grouping
Helps identify the same company using multiple names.
Privacy-First
Your data stays on your device. No logins. No uploads.
What to Do If You See an Unknown Charge
Most people scroll past these charges because they’re small. Over time, that becomes hundreds of euros.
This tool surfaces them automatically — without connecting to your bank or sharing your data.
Run My Private Audit