Rocket Money in Europe: US-Only, So Try These

Rocket Money is not available anywhere in Europe. Its help centre says it is "only available to users located within the United States and with U.S. based banks", which rules out every EU country as well as the UK, Switzerland and Norway. The block sits at the bank-linking step, so downloading it through a US App Store account or a VPN gets you to a sign-up screen and no further.

What replaces it depends heavily on which country you bank in, because Europe has a shared rulebook for bank data but no shared app.

One Rulebook, Dozens of Banking Apps

The EU's Payment Services Directive (PSD2) created a legal category for exactly what Rocket Money does with American accounts: an "account information service" that provides consolidated information on one or more of your payment accounts. Any licensed provider can offer it with your consent.

In practice those providers stay close to home. Finanzguru says it currently concentrates on the German and Austrian markets. Dyme lists Dutch, German and UK banks. Bankin' describes itself as a French company and is built around French banks. Emma, the UK app people get pointed to, is live only in the UK, US and Canada. So the question "is there a European Rocket Money?" has a different answer in each country, and moving from Munich to Lisbon can mean starting again.

We've written country-level pages for Germany, France, Spain, the Netherlands and Ireland, each with the local cancellation rules. For the detail on two of the local apps, see Finanzguru alternatives and Dyme alternatives.

What the EU Is Changing, and What Isn't Law Yet

Three pieces of EU law touch subscriptions and bank data right now, and they're at very different stages.

• The withdrawal button is already in force. Directive (EU) 2023/2673 requires online sellers to offer a function labelled "withdraw from contract here", applied from 19 June 2026. It covers the 14-day withdrawal period after signing up. It is not a general cancel button for a subscription you've had for a year.
• PSD3 and the Payment Services Regulation are agreed but not adopted. The European Parliament's file shows committee approval of the negotiated text on 5 May 2026 and an indicative plenary date of 14 December 2026. Until then PSD2 is still the rulebook.
• The Digital Fairness Act is still a plan. The Commission describes it as an initiative "currently under preparation" that builds on its 2024 fitness check of consumer law.

That fitness check is worth reading if you think subscription trouble is a personal failing. It notes that 7% of consumers reported problems with subscriptions in 2017, against 14% in 2020, and among citizens who answered its consultation, 69% found subscriptions difficult to cancel and 62% had been charged for a renewal without any reminder. The missing reminder is the part you can fix yourself today.

The Refund Right That Covers Every Direct Debit

If a subscription is collected by SEPA direct debit, the EU gives you a safety net most people never use. Your Europe confirms you can get a direct debit refunded within 8 weeks, at home or cross-border within the EU. For a debit you never authorised, PSD2 extends the window to 13 months. Card payments work differently: there you rely on your card issuer's chargeback process, which is slower and less certain.

Twenty-One Euro Countries and Several Currencies That Aren't

The ECB counts 21 of the 27 EU member states using the euro, Bulgaria being the newest since 2026. Sweden, Denmark, Poland, Czechia, Hungary and Romania keep their own money, and Switzerland, Norway and the UK sit outside the EU altogether. On top of that, many AI tools and software subscriptions bill in US dollars wherever you live.

That makes the currency handling of any tracker more important here than in the US. A list that converts everything to one figure using today's rate will drift every month without a single price changing; one that keeps each subscription in its billing currency, with a separate total per currency, stays accurate.

Disclosure: Subgrove is our app, and we take no referral fees from any app on this page.

Where Subgrove Fits Across the EU

Subgrove never connects to a bank, so it works the same in every European country, and it keeps euro, krona, złoty, franc, pound and dollar subscriptions apart with a total for each currency. You type each subscription in once and choose how far ahead it reminds you, by push or email, before every renewal. It's a web app that installs on iPhone, Android and desktop, and the case for skipping bank links is laid out separately.

Trade-Offs Worth Knowing

You lose automatic detection; a PSD2 app in your own country will find recurring payments without typing, at the cost of a live connection to your accounts. You also lose Rocket Money's concierge cancelling and bill negotiation, though the negotiation half was built for US utilities and cable companies and has no European equivalent anyway. And if you self-host, an open-source tool may suit you better; our Subgrove vs Wallos comparison is honest about when.

Getting a Complete List

Start with your bank's list of active SEPA mandates, then card statements, then the App Store or Google Play subscription page. Our guide to finding forgotten subscriptions adds email searches and PayPal. The free cost calculator gives you a monthly and yearly figure in the browser, and you can sign up free from any European country for up to five subscriptions, with Pro billed in US dollars. The full list of countries Rocket Money supports has one entry, and it isn't on this side of the Atlantic.