Phantom: Subscription Killer
Find Hidden Subscriptions
About
This app helps you identify and cancel unwanted recurring charges by scanning your bank transactions. It provides tools to dispute wrongful charges and offers scripts for negotiating discounts with service providers. Prioritizes user privacy with an on-device scanning approach.
What's New in Phantom
1.2
August 21, 2026
Cancel-and-clawback, without a bank login. • Cancel with a checklist, then save the confirmation number or screenshot on your iPhone — never uploaded. • After a dispute letter, get a chargeback packet with a Regulation E/Z script and where to file if the merchant won't refund. • Import a bank CSV, or share a statement into Phantom from Files / Mail. • Get a reminder to re-scan your next statement so a cancelled charge doesn't sneak back. • Apple subscriptions still the fastest first import. Screenshots still work. Nothing leaves your phone. We still never ask for your bank login.
MoreSubscription plans
Phantom Pro
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Developer apps
FAQ
How does Phantom find hidden subscriptions?
Phantom scans screenshots of your bank or credit card transaction history using on-device Vision framework. It automatically detects recurring charges and assigns a 'Zombie Score' based on your usage of the service.
Is Phantom safe to use with my bank information?
Yes, Phantom prioritizes privacy by performing all scanning on your device. It does not require bank logins, uses no third-party services like Plaid, and does not sync data to the cloud. No account creation is necessary.
What is the cost of Phantom?
Phantom offers a subscription model. You can choose between Phantom Pro Monthly for $3.99 or Phantom Pro Annual for $29.99, which offers a 37% saving. The average user reportedly saves $47 per month.
Can Phantom help me dispute charges?
Yes, Phantom can generate EFTA-compliant dispute letters for wrongful charges. This includes issues like unnotified auto-renewals, trial conversions, or billing after cancellation.
Does Phantom have ads?
No, Phantom is ad-free. The app's description explicitly states 'No ads' as part of its privacy architecture. Its sole revenue comes from its subscription fees.
What features are unlocked with Phantom Pro?
The Pro version unlocks unlimited dispute letters, price-hike alerts for over 50 tracked services, and brand-specific negotiation scripts sourced from user reports. These features help users save more money.
How often is Phantom updated?
The latest version of Phantom is 1.1, which was last updated on May 29, 2026. This indicates a recent update, suggesting ongoing development and support for the application.
What devices does Phantom support?
Based on the provided data, Phantom is currently supported on iPhone devices. Further platform compatibility details would need to be confirmed with the developer.