Subscription Tracker App in Saudi Arabia

Short answer: Rocket Money, Copilot Money and the rest of the famous subscription trackers don't work in Saudi Arabia because each one needs a US bank account to function, and a tracker you fill in yourself has no such requirement. In Rocket Money's own words, the app is "only available to users located within the United States and with U.S. based banks." Copilot Money's help centre puts it this way: "we only support US financial institutions and as such are only available in the US App Store."

If you bank with Al Rajhi, SNB, Riyad Bank or Alinma, that's why the app everyone recommends won't take you past the first screen. Here's what actually works in the Kingdom.

The Bank Connection Is the Product

Everything a bank-linked tracker is famous for — spotting subscriptions automatically, cancelling them for you, negotiating bills — sits on top of one thing: a live feed of your transactions, pulled through a data aggregator built for American banks. That aggregator can't see a Banque Saudi Fransi or SAB account. Take the feed away and there's nothing left for the app to do.

Saudi Arabia has its own open banking rails now: SAMA issued its Open Banking Framework in November 2022, starting with account-information services. That helps Saudi-built money apps. It changes nothing for an app built against US banks, and it doesn't touch the currency problem.

Riyals and Dollars on the Same Statement

A typical Saudi subscription stack is split down the middle. Shahid, STARZPLAY, OSN+, Anghami, Jawwy TV and HungerStation Plus generally bill in SAR. Netflix, Spotify, YouTube Premium and Amazon Prime depend on how the account was set up. ChatGPT and nearly every SaaS tool bill in USD.

Copilot's help centre is explicit about this: "Copilot only supports USD and does not convert foreign currency transactions." If half your subscriptions are in riyals, a USD-only total isn't a total.

What a Saudi-Ready Tracker Needs

• No bank linking, by design. If the setup flow includes a bank connection step, you'll never get past it. Our guide on tracking without bank linking explains why this is also the more private choice.
• SAR and USD side by side. Each subscription should keep the currency it bills in, with a monthly total shown for each currency. That's what multi-currency subscription tracking means in practice.
• A reminder you set, ahead of the charge. Being told it's coming in five days is where the money is.
• iPhone and Android, same account. Saudi families mix both. A tracker that only exists on one platform leaves gaps.
• No country restriction. If it doesn't ask where you bank, it can't refuse you based on the answer.

How This Works in Subgrove

Subgrove is a manual tracker, so that list is simply how it works.

• Enter each subscription once. Name, price, currency, cycle, next renewal date. Add Shahid in SAR and ChatGPT in USD and the dashboard shows a monthly and yearly total for each currency.
• Choose your reminder window. Anything from two weeks out to the day of renewal, delivered as a push notification. iPhone users should read renewal reminders on iPhone for the one setup step iOS requires.
• Install it anywhere. It's a PWA: add it to the home screen from Safari or Chrome, use the same account on a laptop, and it works offline.
• Nothing to authorise. No bank login, no aggregator, no data-sharing consent screen.

If you'd rather see the damage before creating an account, the free subscription cost calculator totals your subscriptions per month and per year in your browser, with no signup.

What You Give Up — Honestly

Automatic detection is gone. A manual tracker only knows what you tell it. If you've lost track of a charge, Subgrove won't surface it. Most people finish entering everything in a few minutes, but it's an honest limitation.

Nobody cancels or negotiates for you. That's Rocket Money's best-known feature, and it can't exist without the bank feed. Subgrove warns you before a renewal; the cancelling is yours. Our guide on cancelling any subscription covers the common cases.

Your own bank's app — STC Bank, D360 or a traditional one — will list standing orders and card recurrences. But it sees only that bank, not another card, the App Store, or a family member's account. For a whole budget, local open banking apps fit better — see finance apps in Saudi Arabia.

Getting Started

Start with a sweep. Our guide on finding forgotten subscriptions works through statements, email receipts, and the Apple and Google Play subscription pages. Enter each one in the currency it bills in, set a reminder, and that's it.

You can sign up from Saudi Arabia. The free plan covers five subscriptions. If you upgrade, billing is in USD — with the riyal pegged at 3.75 to the dollar the amount won't surprise you, but check your card's foreign-transaction fee first.

Common Questions

Does Rocket Money work in Saudi Arabia? No. Its help centre restricts it to users "located within the United States and with U.S. based banks." There is no Saudi version.

Does Copilot Money work in Saudi Arabia? No. Copilot supports "US financial institutions" only and is listed "only in the US App Store."

Do I need to link my bank? No. Subgrove has no bank connection at all; you add subscriptions yourself.

Can I track SAR and USD together? Yes. Every subscription keeps its own currency and the dashboard shows a riyal total and a dollar total side by side — no exchange-rate conversion, so the numbers never drift.

Does it work on Android and iPhone? Yes. It's a PWA, so it installs on both from the browser, and on desktop too.