# Phantom: Subscription Killer — Find Hidden Subscriptions > Scan bank transactions to find and cancel hidden recurring subscriptions. (iPhone/iPad app by 逸楠 翟.) - Source: https://appshunter.io/ios/app/phantom-subscription-killer/id6770209415 (this page in markdown: same URL + `.md`) - Developer: [逸楠 翟](https://appshunter.io/developer/1887144323) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 4 MB - Languages: American English - Released: 2026-05-19 - Data updated: 2026-08-27 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/phantom-subscription-killer/id6770209415/reviews.md ## What is Phantom? You're still paying for subscriptions you forgot you had. Phantom finds them without a bank login — then helps you cancel, keep the proof, and fight charges that should never have gone through. Nothing leaves your iPhone. GET YOUR MONEY BACK 1.Find the charges. Start from Apple subscriptions, screenshot a statement, or import a bank CSV. On-device OCR reads it. No account to connect. No password to hand over. 2.See the zombies. Every recurring charge gets a Zombie Score from 0–100: overlapping services, what you rate it, and whether you're paying above market. The 80+ ones are the money quietly leaving. 3.Cancel with a checklist. Phantom opens the vendor's real cancel page and walks you through it. Save a confirmation number or screenshot in an on-device evidence locker — so you have proof if they bill you again. 4.Fight the charge. Generate an EFTA/ROSCA-compliant dispute letter for silent auto-renewals, trial traps, and billing after you already cancelled. If the merchant won't refund, Phantom builds a chargeback packet with a Regulation E/Z script you can read to your bank. 5.Don't get surprised twice. Price-hike and trial-end alerts, plus a reminder to re-scan your next statement. For 47 services, keep the sub and call in a retention discount instead. PRIVATE BY DESIGN Phantom has no servers and no bank connection. Statements stay on your phone. Evidence stays on your phone. We never receive your data, so we can't sell it. • We never ask for your bank login. • We never sell your data. • We never push loans or credit cards. PRICING Free — track up to 5 subscriptions and send 1 dispute letter a month. Phantom Pro — $3.99/month or $29.99/year (save 37%): unlimited subscriptions, unlimited dispute letters and chargeback packets, cancel checklists, the on-device evidence locker, every alert, and all 47 negotiation scripts. Pro pays for itself the first time it catches a charge you would have missed. Start free. Find what you're losing in about a minute. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kyle-zhai.github.io/Phantom/privacy.html ## Key features - Scan bank transactions for recurring charges - Identify unused subscriptions with Zombie Score - Generate EFTA-compliant dispute letters - Receive price increase alerts - Negotiation scripts for discounts - On-device scanning for privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Phantom Pro | $3.99 | per month | | Phantom Pro Annual | $29.99 | per year | ## Frequently asked questions about Phantom ### 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. ## Version history (last 4 releases) ### 1.2 — 2026-08-21 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. ### 1.11 — 2026-07-05 What’s New in 1.1.1 • Smarter zombie scoring — rate how much you use a sub to sharpen it • Real alerts for price hikes, trial ends, and new charges • One-tap cancel help, with a follow-up reminder to confirm it stuck • Sharper statement-screenshot scanning and stability fixes 100% on-device. No bank login, no servers, no tracking. ### 1.1 — 2026-05-29 - Get reminded before trials convert, before prices rise, and when subscriptions go unused. - Cancel jumps straight to the vendor's cancel page, then confirms the charge actually stopped. - New 30-second start: just screenshot your iPhone's Subscriptions list — no bank statements. - New Home & Lock Screen widget: monthly spend, zombies, and next charge at a glance. - See yearly spend and yearly savings on Radar, and share your wins. Everything stays on your iPhone — no bank login. ### 1.0 — 2026-05-19 No release notes. ## More apps by 逸楠 翟 - [ZenChoice](https://appshunter.io/ios/app/zenchoice/id6760989820) All apps by 逸楠 翟: https://appshunter.io/developer/1887144323 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*