Dyme Alternatives: No Bank Link Needed (2026)

Short answer: if you bank with ING or ABN AMRO, your bank's own app already does much of what free Dyme does; if you'd rather no app read your bank at all, a manual tracker like Subgrove is the alternative.

What Dyme Is Today

Dyme is a Dutch money app, started in 2018, that links to your bank accounts and builds one overview of income, spending, subscriptions and fixed costs. Its App Store listing names ING, ABN AMRO, Rabobank, bunq, SNS, ASN, RegioBank and Triodos. Dyme says it holds a PSD2 licence from De Nederlandsche Bank and has more than 500,000 members.

It's well liked: 4.7 stars from around 11,000 ratings in the Dutch App Store. If you want every incasso detected automatically, and someone to cancel and renegotiate for you, Dyme is built for that.

What Dyme Costs (Dyme App Kosten)

The basic app is free. The paid parts, per Dyme's site and its App Store listing:

• Dyme Silver: €8.99 a month, €17.99 a quarter or €59.99 a year. The App Store listing says Silver is what lets you cancel unwanted subscriptions.
• Dyme Gold: €12.99 a month, €24.99 a quarter or €69.99 a year. Gold adds budgeting and custom categories.
• Commissions: cancelling through the Dyme website, by registered letter with a "100% cancellation guarantee", carries a commission. Having Dyme renegotiate a contract costs 30% of your annual saving, and only if it succeeds.

So "free" covers the overview; having things cancelled for you is what you pay for.

Is Dyme Safe? (Dyme App Veilig)

Dyme says it encrypts data with TLS, holds a PSD2 licence from DNB, and will never sell your data. That licence is what lets an app read your payment account with your consent, so Dyme is a regulated service. The trade-off is structural, not a flaw: any bank-linked app holds a copy of your transaction history. If that's what you want to avoid, read on.

The Best Dyme Alternatives

1. Your bank's own app (ING, ABN AMRO)

• ABN AMRO: the app's Inzicht section has Vaste Lasten, which lists your subscriptions and fixed costs once switched on. For participating sellers, such as streaming services or a gym, you tap Opzeggen or Pauzeren and ABN AMRO arranges it, free.
• ING: Terugkerende Uitgaven gives an overview of your regular debits, predicted from past payments on your current account and credit card, at no extra cost. ING doesn't cancel for you; it advises cancelling with the company directly.

The catch: each bank sees only its own accounts. If Netflix runs on a bunq card and the gym on an ING incasso, neither app sees both.

2. Subgrove: no bank link at all

Subgrove takes the opposite approach. You type in each subscription with its price, billing cycle and next renewal date. Nothing connects to your bank, so no copy of your transactions exists anywhere.

• Any bank, any card. ING, bunq or a foreign card: nothing reads the account.
• Euros and dollars side by side. Each subscription keeps its own currency. You get a monthly total in EUR and a separate one in USD, never a blended figure. More in our multi-currency guide.
• Reminders on the free plan. Push and email before every renewal, plus a renewal calendar and a weekly digest.
• Every device. A PWA that installs from the browser on iPhone, Android and desktop, and works offline.
• A head start without linking. The subscription finder reads a CSV export from your banking app inside your browser, uploads nothing, and lists the recurring charges it finds.

Pricing: free for up to 5 subscriptions; Pro is $1.99 a month, $10 a year or $15 once, billed in US dollars. Pro adds unlimited subscriptions, household sharing and free-trial alerts. Our guide to tracking without bank linking sets out the reasoning.

3. A spreadsheet

Free and private, but with no reminders, which is the part that stops a renewal in time.

What You Give Up — Honestly

• Automatic detection. Dyme finds subscriptions in your bank data. Subgrove only knows what you enter or import.
• Cancellation. Dyme (with Silver or a commission) and ABN AMRO (participating sellers only) cancel for you. Subgrove cancels nothing; you cancel with the company. Our cancellation guide covers how.
• Negotiation. Dyme renegotiates energy, insurance and internet contracts. Subgrove doesn't negotiate anything or move any money.
• Budgeting. Subgrove tracks subscriptions, not your whole spending.
• Dutch. Subgrove's app is English-only.

If you want the full automation, stay with Dyme. If you mainly want the overview and a warning before each renewal, without a third party reading your account, switch.

How to Cancel Dyme (Dyme App Opzeggen)

If you took Silver or Gold through the App Store, cancel it in Settings, then your name, then Subscriptions. On Android, use Subscriptions in Google Play; Google notes that uninstalling an app doesn't cancel its subscription. Before you delete Dyme, write down the subscriptions it found, so your new list starts complete.

Common Questions About Dyme Alternatives

Is Dyme free? The basic app is. Dyme Silver (from €8.99 a month) and Gold (from €12.99 a month) are paid, and cancelling through the Dyme website carries a commission.

Is Dyme available outside the Netherlands? Dyme presents itself as a Dutch app, lists only Dutch banks, and its site mentions no other country.

Does Rocket Money work in the Netherlands instead? No. Its help centre says it is "only available to users located within the United States and with U.S. based banks." More in Rocket Money in the Netherlands.

What's the best Dyme alternative without a bank connection? A manual tracker. Subgrove's free plan covers five subscriptions with renewal reminders, and you can sign up without entering any bank details. For a wider comparison, see our subscription tracker guide for Europe.