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Can Claude find my subscriptions?

Partly. Claude can spot repeat charges in a statement you upload, but it keeps no ledger to check again next month. Connect the Bank Statement server (free token) and Claude groups debits by who was paid, checks for a steady amount and cadence, and gives the next expected date and a yearly figure for each recurring charge.

Connect with a free token Bank Statement MCP server

What Claude does alone, and what needs the server

Claude on its own

  • Spots repeat names in a pasted list.
  • Suggests which subscriptions to cancel.

With the Bank Statement server

  • Recurring charges found from the real dates and amounts.
  • The next expected date for each one.
  • A yearly figure for each charge.

A real call to the live server

We sent this to the hosted server on 2026-11-05. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

Which charges in my checking account come back every month, three times or more?

Tool call

recurring_detect {"months":4,"min_occurrences":3}

Server answer

{"months": 3, "debits_examined": 11, "recurring": 1, "charges": [{"counterparty": "ADOBE CREATIVE CLOUD", "currency": "USD", "occurrences": 3, "cadence": "monthly", "typical_amount": "USD 59.99", "last_seen": "2026-10-14", "next_expected": "2026-11-14", "median_days": 31, "total_in_window": "USD 179.97", "annualised": "USD 719.88", "cadence_confirmed": true, "dates": ["2026-08-14", "2026-09-14", "2026-10-14"]}], "note": "annualised is the typical amount at the detected cadence, not a forecast of what the bank will actually take."}

The server answers in JSON. These fields are unchanged. The test CSV had Netflix on the 3rd and Adobe on the 14th, but the free tier window started on 5 August, so only two Netflix charges fell inside it.

Connect it in 1 minute

Get a free token first. No account, 30 days, 600 calls an hour. Put it in the URL in place of <token>. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

1. Free token

curl -s -X POST https://mcp.zovo.one/mcp/token

Connector URL (replace <token>)

https://mcp.zovo.one/mcp/bank-statement/t/<token>

Claude Code

claude mcp add --transport http bank-statement https://mcp.zovo.one/mcp/bank-statement/t/<token>

Cursor (~/.cursor/mcp.json)

{
  "mcpServers": {
    "bank-statement": {
      "url": "https://mcp.zovo.one/mcp/bank-statement/t/<token>"
    }
  }
}

VS Code (.vscode/mcp.json)

{
  "servers": {
    "bank-statement": {
      "type": "http",
      "url": "https://mcp.zovo.one/mcp/bank-statement/t/<token>"
    }
  }
}

All 10 tools, free and Pro limits and more prompts are on the Bank Statement MCP server page.

Questions

Can Claude find my subscriptions?
Partly. Claude can spot repeat charges in a statement you upload, but it keeps no ledger to check again next month. Connect the Bank Statement server (free token) and Claude groups debits by who was paid, checks for a steady amount and cadence, and gives the next expected date and a yearly figure for each recurring charge.
Why was Netflix not listed?
The free tier reads the last 3 months. Only two Netflix charges fell in that window, and the call asked for three. With min_occurrences 2 it would show.
What is free?
The last 3 months and up to 5 recurring charges. The full history is Pro.
Is the server free?
The hosted Bank Statement server has a free tier. A free token lasts 30 days and allows 600 calls an hour, with no account. Some features are Pro, and the server page lists what is free and what is not.

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