Is Rocket Money Available in the UK? What to Use
App Comparisons · The Subgrove Team · · Updated · 5 min read
No, Rocket Money isn't available in the UK. Its help centre says the app is "only available to users located within the United States and with U.S. based banks", so a Barclays, HSBC, Lloyds, NatWest, Monzo or Starling account can't be connected. You can't get round it with a VPN or a US App Store account, because the app still needs a US bank to link.
The UK is better placed than most countries Rocket Money skips: banks have built subscription tools into their apps, and payment rules already give you the power Rocket Money's cancel button sells to Americans.
Britain Built Its Own Pipes in 2018
Rocket Money reads American bank data through a US aggregator. The UK went a different way: open banking was one of the remedies in the Competition and Markets Authority's Retail Banking Market Investigation Order 2017, and since 2018 customers have been able to share current-account data securely with regulated third parties. The FCA is now the lead regulator taking open banking forward.
That's the network Emma and other UK money apps run on. A US company would have to become FCA-regulated and plug into it, and Rocket Money hasn't.
Your Bank May Already Do Half the Job
Before installing anything, look inside your banking app:
- NatWest shows the subscriptions set up on your debit card in one place, with what you've paid each company over the last 12 months, and for most of them can take you straight to the merchant's site to cancel.
- Barclays lists your recurring card payments and lets you block one from the app. It's careful to say a block doesn't end your agreement; you still need to cancel with the retailer.
- Other banks have similar menus called "regular payments" or "subscriptions", but each app only sees its own cards, so another bank's credit card or an App Store plan won't appear.
Your Right to Stop a Card Payment
Much of what Rocket Money sells as a cancellation service is a free legal right here.
- Recurring card payments: the FCA says that once you ask, your card issuer must stop the payments, even if you haven't contacted the business. Ask by the end of the business day before the next payment. Anything taken afterwards is an unauthorised transaction and must be refunded immediately.
- Direct Debits: the Direct Debit Guarantee lets you cancel at any time through your bank or building society, and entitles you to a full and immediate refund if a payment is taken in error.
Stopping the payment doesn't end the contract, so you may still owe what's due, but it makes your renewal date the deadline that matters.
The Subscription Rules Coming in January 2027
The Digital Markets, Competition and Consumers Act 2024 contains a new subscription-contract regime. In August 2026 the government said it will come into force in January 2027, with clearer up-front information, regular reminders, an easier exit and a new 14-day cooling-off period after a trial converts or a long contract renews. Until it starts, reminders are on you.
Best Subscription Tracker Apps in the UK
The first choice with any subscription tracker app is whether it reads your accounts through open banking or you type subscriptions in. Like Rocket Money, Monarch (US and Canada only) and Copilot (US institutions only) are out.
Disclosure: Subgrove is our app. Every other entry is described from its own website, help centre or app-store listing, checked in October 2026.
| Links your bank? | Platforms | Price | Best for | |
|---|---|---|---|---|
| Emma | Yes, via open banking; 2 bank logins free, 4 on Plus | iPhone, Android; web on paid plans | Free; Plus £4.99/month or £41.99/year, Pro £9.99, Ultimate £14.99 | Automatic detection across banks |
| Your bank's app | Its own cards only (see above) | Bank app | Included | One-bank households |
| Bobby | No; you add each subscription | iPhone only | Free; one-time unlocks from £0.99 | One person on an iPhone |
| Tilla | No; you add each subscription | Android only | Free; one-time Premium unlock | One person on Android |
| Subgrove | No; you add each subscription | iPhone, Android, desktop (web app) | Free for 5; Pro US$4.99/month or US$39/year | Mixed devices, GBP and USD, households |
Emma is the closest UK match for Rocket Money's detection: it reads your accounts to help you track wasteful subscriptions. More than two bank logins means a paid plan; our free Emma alternative covers that trade.
If you'd rather not hand a subscription manager app your bank login, Subgrove is the one we built. You list each subscription once and get push or email reminders up to two weeks before each renewal, in time to use your FCA right to stop the payment. Pound and dollar plans keep separate totals, so a US-billed software plan doesn't distort your sterling figure. Our statement scanner reads a bank CSV in your browser to start the list; nothing is uploaded. Pro adds household sharing, free-trial alerts, price-increase alerts with price history, and CSV export (why no bank link).
What Subgrove Won't Do
It won't detect subscriptions from a live bank feed; Emma or your bank's subscriptions screen will. It won't cancel or negotiate bills either, the paid concierge services Rocket Money built its name on in the US. If a company makes leaving hard, our cancellation guide has the scripts.
Getting Your List Together
Check your bank's subscriptions screen, credit card statements and the App Store or Google Play subscription page; our guide to finding forgotten subscriptions adds email and PayPal. Add what you find to Subgrove with each renewal date; the free plan covers five.
Rocket Money in the UK: Quick Answers
Is Truebill available in the UK? No. Truebill is Rocket Money's old name; it was renamed in 2022 and has the same US-only rule. Our Rocket Money alternatives page covers US options.
Is Rocket Money launching in the UK? Nothing has been announced; the help centre only invites requests for international support.
Where else is it unavailable? Everywhere outside the US; see the full country list, or our pages for Ireland and the rest of Europe.
What is the best subscription tracker app in the UK? For automatic detection it's Emma, which reads your accounts through open banking and is free for two bank logins. If you'd rather not link a bank, Bobby fits one iPhone, Tilla one Android phone, and Subgrove (ours) a household that mixes both or pays in pounds and dollars.