Every subscription you sign up for stores your payment details. With the average person having 17 subscriptions, that is 17 companies that have access to your card data. Security matters.
What SubTracker Does Not Store
SubTracker does not connect to your bank account. It never sees your card number, bank credentials, or payment details of any kind. Everything you enter — service names, amounts, dates — is data you type manually. This is a deliberate privacy-first design choice.
Virtual Cards: The Best Tool for Trial Protection
Virtual cards generate a unique card number for each merchant. If the merchant charges you unexpectedly, you can close just that virtual card without affecting your real card or other subscriptions.
UK: Revolut, Monzo, and many high-street banks offer virtual cards. USA: Privacy.com offers free virtual cards. EU: Revolut, N26, and Bunq offer virtual cards.
For free trials specifically: use a virtual card set to a €0 spending limit. If the merchant tries to charge after the trial, the payment will decline automatically.
After a Data Breach
If a service you subscribe to reports a data breach: 1. Change your password for that service immediately 2. Check whether the breach included payment data 3. If yes: call your bank and request a card replacement 4. Check for fraudulent charges from the past 30-60 days 5. Update any services that share the same password
The Account Hygiene Checklist
- Use a password manager (1Password, Bitwarden, Dashlane)
- Enable two-factor authentication for every service with payment data
- Use a dedicated email address for subscriptions
- Review saved payment methods quarterly — delete unused ones