Moneyhub closes its consumer app on 14 August 2026. All subscription tracking, bill alerts, and historical data will become unavailable. Export your data and migrate before the deadline.
What Moneyhub Offered
Moneyhub’s subscription tracker automatically detected recurring payments from your connected bank accounts. It showed you a list of active subscriptions, their amounts, and payment dates. It was useful but relatively basic — no price change alerts, no categorisation beyond “subscriptions,” and no insight into whether you were overpaying.
earmarkIQ’s Subscription Radar
earmarkIQ’s Subscription Radar is a complete upgrade over Moneyhub’s subscription tracking. It automatically detects all recurring payments via Open Banking and categorises them into three types:
Bills — Fixed commitments like rent, council tax, and utilities (£80/mo average).
Subscriptions — Services like Netflix, Spotify, gym memberships (£79.73/mo average).
Daily Habits — Recurring micro-transactions like coffee, meal deals, commuting (£131.99/mo average).
The total average across all three categories is £291.72/mo — and most users don’t realise the full extent until they see the breakdown.
earmarkIQ’s standout feature is price creep detection. When any subscription silently increases its price, earmarkIQ alerts you immediately — showing the old price, new price, and the annual cost impact. On average, users discover +£45/year in hidden price increases across just 5 subscriptions.
Feature Comparison
| Feature | Moneyhub | earmarkIQ |
|---|---|---|
| Auto-detect recurring payments | ✓ | ✓ |
| View subscription list | ✓ | ✓ |
| Payment dates & amounts | ✓ | ✓ |
| Price creep detection | ✗ | ✓ |
| Price increase alerts | ✗ | ✓ |
| Annual cost impact calculation | ✗ | ✓ |
| 3-way categorisation (bills/subs/habits) | ✗ | ✓ |
| Duplicate charge detection | ✗ | ✓ |
| Savings opportunity calculation | ✗ | ✓ (£588/yr avg) |
| AI-powered bill health check | ✗ | ✓ |
| Available after Aug 2026 | ✗ Shutting down | ✓ |
Migration Guide: 3 Simple Steps
Export your Moneyhub data
Before 14 August 2026, log into Moneyhub and export your transaction history and subscription list. Save it as a CSV for your records.
Join earmarkIQ and connect your bank
Sign up for earmarkIQ (free tier available) and connect your bank accounts via Open Banking. earmarkIQ connects to 50+ UK banks through Finexer (FCA-regulated).
Let Subscription Radar scan your accounts
earmarkIQ automatically detects all recurring payments within minutes. You’ll see your bills, subscriptions, and habits — plus any price creep alerts right away.
About earmarkIQ
earmarkIQ is a UK personal finance app launching on iOS in May 2026. It is an FCA Appointed Representative of Finexer Ltd (FRN 925695) and ICO registered (CSN2001882). earmarkIQ provides Open Banking account aggregation across 50+ UK banks, AI-powered salary allocation, subscription price creep detection, and a financial product marketplace. Website: earmarkiq.app
Never miss a price increase again
earmarkIQ’s Subscription Radar catches every price creep, duplicate charge, and hidden recurring payment — so you don’t have to.
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