How to find recurring payments from a bank CSV in Telegram

Export a CSV from your bank or card provider that includes dates, descriptions, amounts, and currencies when available. A few months of history is usually enough to reveal monthly, weekly, and yearly recurring payments.

The Telegram angle matters because the import does not become a separate finance project. You open Sub in Telegram, choose the CSV, review what was detected, and keep only the services you want to track.

Recurring subscriptions usually repeat with a similar merchant name, a stable amount, and a predictable interval. Streaming services, software tools, mobile apps, storage plans, and paid communities often appear this way in a statement.

Sub uses those patterns to produce candidates instead of treating every transaction as a subscription. That keeps the workflow focused: the Telegram mini app shows likely recurring payments, and you decide what belongs in your subscription manager.

CSV detection should be reviewed by a person. A gym membership, a cloud storage plan, and a yearly domain renewal may all be valid subscriptions, while a repeated grocery charge should stay out of the app.

Inside Telegram, the review step is intentionally selective. You can import the subscriptions you recognize, skip noisy candidates, and then edit names, categories, currencies, and billing dates after they are added.

The real benefit starts after import. Once a recurring payment is saved in Sub, it can appear in your monthly overview, upcoming renewal list, category breakdown, and Telegram bot reminders.

That means a static bank CSV becomes an active Telegram workflow. Instead of checking statements after money is gone, you can see renewals earlier and receive reminders before the next charge.