How to Find Subscriptions on Your TD Statement (Canada Guide)

TD has the largest personal banking footprint in Canada, which means more Canadians hunt for forgotten subscriptions on a TD statement than on any other bank's. The good news: TD has invested in surfacing recurring charges. PDF statements use a RCUR code to flag pre-authorized debits, EasyWeb has a recurring-transactions filter, and TD's companion app feeds recurring charges into spend insights. The catch: none of these tools catch everything. Custom merchant strings, annual renewals, and charges routed through Apple or Google all slip past TD's automated tagging in predictable ways. This guide walks through exactly where to look on a TD statement, what each TD interface shows, and how the SubSavvy scanner closes the remaining gaps for Canadian subscribers.

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How TD Labels Recurring Charges

TD uses three different surfaces to indicate that a transaction is recurring, and the labelling is not consistent across them.

TD PDF Statements: the RCUR code

On TD's PDF statements (downloaded from EasyWeb or sent via mail), recurring transactions are marked with RCUR in the description column or as a separate flag column. The exact placement varies by account type: chequing, credit card, and savings statements format slightly differently, but RCUR consistently means TD has identified the charge as a pre-authorized recurring debit.

A typical line item in a TD chequing statement might read:

Mar 15  NETFLIX.COM 866-579-7172 ON  RCUR  $XX.XX

The RCUR flag tells you TD's system identified this as recurring. The amount and merchant string are what you need to map back to the underlying service.

TD EasyWeb (web banking)

In EasyWeb, recurring transactions appear in your transaction list with an icon indicator (a circular-arrow style badge). To filter for them specifically:

1. Sign in to EasyWeb at td.com.
2. Open the account you want to review.
3. Open the transaction list and look for a filter option labelled "Recurring", "Pre-authorized", or similar.
4. Apply the filter to see only recurring transactions over your selected date range.

EasyWeb's recurring filter generally captures the same charges as the PDF RCUR flag, with occasional differences when a merchant changes its billing descriptor mid-cycle.

TD Mobile App and TD MySpend

TD does not surface recurring charges directly inside its main TD mobile app. Instead, TD provides a separate companion app called TD MySpend that pulls transaction data from your TD accounts and offers cashflow analysis. The general flow:

1. Download TD MySpend from the App Store or Google Play and link it to your TD profile.
2. Open the Cashflow view in MySpend.
3. For any transaction that is actually recurring, mark it as recurring. MySpend then surfaces it in upcoming-bill insights and projections.
4. There is no single "Subscriptions" tab. You build the recurring list yourself by tagging transactions as you spot them.

Because MySpend is opt-in tagging rather than automatic detection, PDF statements and the EasyWeb recurring filter remain the most efficient way to see the full recurring picture across your TD accounts.

Where to Find Subscriptions on Your TD Statement (Step-by-Step)

For a comprehensive review, work through both EasyWeb and the PDF statements. The numbered process:

1. Download three months of PDF statements for your TD chequing account, savings account, and any TD credit cards. Three months catches most monthly cycles; pull twelve months if you want to catch annual renewals.
2. Search each PDF for RCUR. Use your PDF reader's find function. List every transaction flagged as recurring.
3. Open EasyWeb and apply the recurring transactions filter for the same date range. Compare the EasyWeb list to your PDF RCUR list. TD usually shows the same set, but occasionally one source surfaces a charge the other missed.
4. Review the TD app's subscription view. This often categorizes charges by merchant, which can help you spot duplicates (two different streaming apps from the same parent company, for example).
5. For any APPLE.COM/BILL or GOOGLE * line, dig deeper. TD shows the aggregated charge but cannot tell you which underlying services were billed. Open Settings → Apple ID → Subscriptions on iOS, or Play Store → profile → Subscriptions on Android, to see the breakdown.

Common Subscription Merchants on TD Statements

Recurring charges from major Canadian and US services typically appear with these descriptors on TD statements:

• NETFLIX.COM 866-579-7172 ON: Netflix Canada. Cancellation: cancel Netflix.
• Spotify P18C7DBE71 (or similar code): Spotify Premium. Cancellation: cancel Spotify.
• Amazon Prime Membership or Amzn Prime CA: Amazon Prime. Cancellation: cancel Amazon Prime.
• Disney Plus CA or DisneyPlus.com: Disney+. Cancellation: cancel Disney+.
• Crave TV CA or Crave Bell: Crave (Bell Media).
• APPLE.COM/BILL CA: aggregated Apple subscriptions. Could include Apple TV+, Apple Music, iCloud+, Apple One, App Store subscriptions to other services. Open the Subscriptions list in Settings to see the breakdown.
• GOOGLE *YouTube Premium or GOOGLE *<service>: Google Play–billed subscriptions.
• MICROSOFT 365: Microsoft 365 Personal or Family.
• Adobe Creative Cloud: Adobe subscriptions.
• LinkedIn Premium: LinkedIn Premium tiers.

For pricing references on these services, see articles like cancel Netflix in Canada and cancel Spotify in Canada: each includes the live <PricingTable> with current Canadian pricing.

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Catching Charges TD Doesn't Flag

TD's recurring-charge identification is good but not exhaustive. The cases where it tends to miss:

• Custom or changing merchant strings. A service that bills as MNGD-SVCS-12345 rather than its consumer name may not get the RCUR flag, especially in the first month.
• Annual subscriptions. An annual charge on a random Tuesday in March is easy to lose between monthly chequing transactions if it has not yet built a recurring history.
• Recurring charges that change descriptors. When a company rebrands or switches payment processors, the new descriptor can lose the recurring tag for several cycles.
• Aggregated billing. A single APPLE.COM/BILL line might bundle four separate subscriptions, but TD only sees it as one charge from one merchant.
• Refunded-then-resumed charges. If a chargeback was processed and the underlying subscription was not cancelled, the next billing cycle may resume, and the TD recurring tag is sometimes slow to re-attach.

The SubSavvy scanner reads a full TD PDF or CSV statement and flags every recurring charge regardless of how the merchant labelled it, using pattern matching across the entire charge history to catch the cases where TD's per-transaction tagging missed.

How to Cancel a Subscription You Found in TD

TD's role is identification — the actual cancellation happens at the merchant. For step-by-step cancellation guides for the most common Canadian services, see:

• How to cancel Netflix in Canada
• How to cancel Spotify in Canada
• How to cancel Amazon Prime in Canada
• How to cancel Disney+ in Canada
• The full SubSavvy cancel hub for 50+ Canadian services

For services billed through Apple or Google, cancellation routes through those platforms, not through TD or the merchant. After cancelling, track all your subscriptions so any future charges surface immediately.

Disputing a Charge with TD

If a recurring charge survived a cancellation, was unauthorized, or was billed at a higher amount than agreed, TD's chargeback process is the path forward.

1. Document your cancellation evidence first. Email confirmations, screenshots, the date and time you cancelled. Without documentation, the dispute is harder to win.
2. Initiate the dispute through EasyWeb or by phone. From EasyWeb: navigate to the transaction in your account and look for a Dispute option. By phone: TD's customer service line for retail banking.
3. Provide the merchant communication record. TD's investigator will typically contact the merchant before making a decision. Your documentation is your case.
4. TD aims to provide an update within 30 business days, but full resolution can run to 90 days. Credit-card disputes can take up to two billing cycles; debit-card disputes up to 90 days. A temporary credit may be issued during the investigation, becoming permanent if the dispute is upheld in your favour.

For Quebec residents, if TD declines the chargeback, you may escalate the dispute to the Office de la protection du consommateur. The LPC's distance-contract provisions (sections 54.1+) generally provide stronger protections for recurring billing disputes than the federal banking framework alone.

Your Province's Cancellation Rights

If a chargeback alone does not resolve the issue, your provincial consumer protection law may apply.

• Ontario: the Consumer Protection Act, 2002 covers internet agreements and recurring charges. See your rights in Ontario.
• Quebec: the LPC's distance-contract regime (sections 54.1+) provides the strongest subscription protections in Canada. See your rights in Quebec.
• British Columbia: the BPCPA was strengthened in 2023 around auto-renewal disclosure. See your rights in BC.
• Alberta: the Consumer Protection Act covers unfair practices around recurring billing. See your rights in Alberta.

TD's recurring-charge tools handle the straightforward cases. Custom merchants, annual cycles and app-store aggregation are where the SubSavvy scanner pays for itself. One scan, one quarterly review, and your TD statement stops hiding what you are actually paying for.