Spot it
See familiar merchants and regular outgoings before they disappear into the background.
For repeat payments and everyday outgoings
Payment Tracker App for Regular Spending
118M8 helps you keep payments visible, spot familiar merchants and pause before one more outgoing turns into a habit. No lecture. Just a clearer look at what keeps coming back.
- Spot repeat merchants and regular payment patterns
- Review weekly, monthly and yearly spending movement
- Turn a payment into its hours-worked cost
- Use Sleep on it before adding another outgoing
Free on iOS and Android in the UK.
Payment check
Regular money, clearer choices
A simple way to notice payments before they blend into the month.
Track the payments that quietly become normal
The awkward payments are not always huge. They are the small repeat spends, app plans, delivery habits and card taps that feel harmless until the month is already crowded. 118M8 gives those patterns a little daylight.
Clock it
Convert a payment into hours worked so the cost is easier to judge.
Choose it
Decide what still earns its place and what needs a rethink.
Pause it
Use Sleep on it before a new purchase becomes a regular payment.
Useful before and after money leaves
Most payment trackers show what already happened. 118M8 also helps with the next decision, so you can notice a pattern, sense-check the cost and pause before adding another outgoing.
Monthly payments
Review the costs that keep coming back and see how they fit into wider spending.
Subscriptions
Notice repeat merchants and check whether a plan is still worth keeping.
Everyday habits
Catch smaller purchases that start behaving like bills when they repeat often enough.
Payment tracking without another admin project
118M8 does not pay bills, move money or contact providers for you. It helps you see spending behaviour, understand regular costs and slow down the moments where another payment might creep in.
Free to download
Start without adding another paid app to your regular outgoings.
Daily insight
Spending information is updated daily for eligible 118 118 Money credit card customers.
No lectures
The point is a clearer choice, not an app wagging its finger.
UK app stores
118M8 is available on iOS and Android for UK users.
Frequently asked questions
Can 118M8 work as a payment tracker app?
118M8 helps eligible users review spending patterns, repeat merchants and regular outgoings, so payments are easier to notice before they become background noise.
Does 118M8 pay bills or move money for me?
No. 118M8 does not pay bills, move money or contact providers. It helps you see spending behaviour and make calmer decisions before new costs stack up.
Can I use 118M8 for subscriptions and repeat payments?
Yes. 118M8 is useful for reviewing subscriptions, repeat merchants and regular payment habits, especially when you want to check whether a cost still earns its place.
Is 118M8 free to download?
Yes. 118M8 is free to download on iOS and Android in the UK.