If you’ve recently opened a new Karat banking account or received a new debit card, you’ll want to update all your recurring payments to avoid missed charges or service interruptions. Follow the steps below to find and switch your subscriptions smoothly.
Step 1: Identify Your Existing Subscriptions
Start by finding all services linked to your old account or card.
Check these sources:
Bank statements: Review the last 3–6 months for recurring charges.
Email inbox: Search keywords like receipt, subscription, invoice, renewal, or payment confirmation.
App store subscriptions:
iOS: Settings > Your Name > Subscriptions
Android: Play Store > Profile > Payments & Subscriptions
Payment platforms: PayPal, Stripe, Venmo, Apple Pay, Google Pay, etc.
Password managers: Some track saved payment methods (e.g., 1Password, LastPass).
Step 2: Make a List of Your Recurring Payments
Organize your subscriptions with a simple table or spreadsheet, such as:
Service Name | Billing Amount | Frequency | Current Payment Method | Update URL |
Adobe Creative Cloud | $55/month | Monthly | Old Debit Card | |
YouTube Premium | $11.99/month | Monthly | Google Pay | |
[Other subscription name] | [Price per billing period] | [AnnuallyMonthly/Weekly] | [Method] | [Insert link to website where you can update] |
Step 3: Update Your Payment Details
Visit each service’s billing or account settings to update your payment method.
Make sure to check the most common tools and platforms that you use, as well as payment processors like Stripe and PayPal.
Tip: Don’t forget to update saved payment info in browsers and mobile wallets too (Chrome, Safari, Apple Pay, Google Pay).
Step 4: Monitor Your Old Account
Monitor your old account open for 30–60 days to:
Catch any missed or delayed payments
Set up transaction alerts for notifications
Check for less frequent charges (annual or quarterly)
Step 5: Finalize and Confirm
Once all updates are done: Cancel unused or forgotten subscriptions
Karat is a financial technology company and not a bank. Banking services provided by Grasshopper Bank, N.A., member FDIC.
Karat perks including offering APY rewards on deposits are offered by Karat. The advertised rates are effective as of 4/18/25 and are subject to change. See Deposit Account Agreement Disclosures (trykarat.com/deposit-account-agreement-disclosures) and Karat Premium Terms of Service (trykarat.com/karat-premium-terms-of-service) for details.