Switch banks without missing a single bill.
No more fear of missed bills, surprise overdrafts, or forgotten subscriptions.
SpendFlow analyzes 12–24 months of your transaction history to find every recurring payment, subscription, and auto-debit — then builds a complete, actionable migration checklist so you can switch with confidence.
Today: migrate with zero missed bills. Tomorrow: get clear, ongoing insight into where your money actually goes.
Recurring payments overview
24 found · $1,340/moNetflix
Streaming
$15.99
Card
Xcel Energy
Utilities
$127.00
ACH
State Farm
Insurance
$189.00
ACH
Planet Fitness
Fitness
$24.99
Card
Spotify
Streaming
$10.99
Card
Why SpendFlow matters
A clean exit from your old bank. A smarter start at your new one.
Before SpendFlow
- ⚠️Manually hunt through 12+ months of statements
- ⚠️Miss hidden auto-payments and subscriptions
- ⚠️Surprise overdrafts and late fees at your old bank
- ⚠️Weeks of confusion and follow-up calls
- ⚠️No visibility into your actual spending patterns
After SpendFlow
- ✅Complete recurring payment inventory in seconds
- ✅Clear action items for ACH, cards, and bill pay
- ✅Printable migration checklist for your records
- ✅Switch confidently in minutes, not weeks
- ✅Ongoing insights into where your money goes
What SpendFlow detects
We analyze 12–24 months of transactions to find every recurring payment
ACH debits
Automatic bank transfers for bills, loans, and recurring services
Utilities, mortgages, gym memberships
Bank bill pay
Scheduled payments set up through your bank's bill pay service
Rent, insurance, credit cards
Card auto-charges
Recurring charges on your debit or credit cards
Streaming services, software, apps
Subscriptions
Monthly and annual membership fees
Netflix, Spotify, news sites
How SpendFlow works
Three simple steps to a seamless bank switch
Create your SpendFlow profile
Sign up with the access code from your new bank and tell us which bank you're moving from.
Connect your accounts
Connect your bank and card accounts using Plaid — we never see your credentials.
Get your migration checklist
Review your complete migration checklist with action items for each payment type.
Recurring payments overview
24 found · $1,340/moNetflix
Streaming
$15.99
Card
Xcel Energy
Utilities
$127.00
ACH
State Farm
Insurance
$189.00
ACH
Planet Fitness
Fitness
$24.99
Card
Spotify
Streaming
$10.99
Card
Security you can trust
Built with enterprise-grade security from the ground up
No credential storage
We never store your bank login. Plaid handles authentication directly with your bank.
AES-256-GCM encryption
All sensitive data is encrypted using military-grade encryption standards.
Customer-controlled & private
Your data stays yours. We never share or sell your transaction information.
Powered by Plaid — the same secure technology used by Venmo, Robinhood, and thousands of financial apps
Frequently asked questions
Everything you need to know about switching banks with SpendFlow
Is my bank login information safe?
Absolutely. SpendFlow uses Plaid, the same secure technology trusted by Venmo, Robinhood, and thousands of financial apps. We never see or store your bank credentials — Plaid handles authentication directly with your bank.
What data do you access?
We access read-only transaction history (typically 12-24 months) to identify recurring payments. We cannot move money, make payments, or modify your accounts in any way.
How accurate is the recurring payment detection?
Our analysis engine uses deterministic logic combined with AI enrichment to identify recurring patterns. We analyze payment amounts, timing, merchant names, and transaction types to provide a comprehensive list.
Do you share my data with my new bank?
No. Your migration checklist is entirely customer-controlled and private. SpendFlow does not transmit your data to any bank or third party. You decide what to share.
How long does the process take?
Most users complete the entire process in under 5 minutes. Connect your accounts, review the detected payments, and you have a complete migration checklist ready to use.
Is SpendFlow free to use?
SpendFlow is free for consumers. Your new bank will provide you with an access code to get started, and you may be eligible for rewards as you complete your migration.
Ready to switch banks stress-free?
Get started in less than 5 minutes. No credit card required.
Get started now →