You work hard to earn your money and so deserve to know how it is spent. This is no different when using Apple services as you continue to pay for several subscriptions, some on a weekly basis with the majority billed monthly and it would be well deserved to have a breakdown accessible at one glance.
In this article, you’ll find just where to find all Apple bills charged to your credit or debit card to help you keep track of your spending as well as unwarranted charges that you may know nothing about.
How To See What Apple Is Charging You For
It can get uncomfortable when apple.com/bill begins to dominate your bank billing statement, especially when you’re not sure of how many of those that make the list you actually ordered for. Does that mean Apple is playing a fast one on you? No, most unlikely. Apple is already a multi-billion dollar company, they’re only after you paying for their services you use and in full.
That’s not to talk you out of knowing the actual amount you’re paying and what each payment is for, very important. Below are a few ways you can use to view what Apple is charging you for.
1. View Subscription History
You’ll find a list of Apple services you’ve subscribed to in the Subscription history. Services like Apple News, Apple TV, Apple Arcade as well as other third party paid services connected to your Apple ID will be displayed on the list. The good thing is your subscriptions could be filtered to show only the ones that are active, so it’s easier to spot what subscriptions that you need to forgo. To see your active and past subscriptions, follow the guide below;
- Open iPhone settings
- Tap on your profile at the top
- Scroll down to subscription and tap on it
- Past and current subscriptions will be displayed on the page.
- Look at the active list to see what you’ve currently paid.
- You can also cancel subscriptions you no longer need. Simply tap on it and tap cancel subscription.
2. Log Unto reportaproblem.apple.com
Visiting the link reportaproblem.apple.com will reveal all your Apple purchase history with full receipts and tax. You can also find purchases made by members of your family, however, that’s only if you’ve added a family plan. To view what Apple is charging you for here’s how;
- Open the link reportaproblem.apple.com
- Login using your Apple ID.
- You’ll find a list of all the purchases you’ve made. Scroll through them to identify with them.
- Click on the Date on each receipt to view the full receipt that will include tax and every other nitty-gritty of your purchase.
- You can also cancel subscriptions that you do not want.
- To see what a family member has purchased. Click on the Apple ID button, select from the list the family member you want to know what they’re up to.
3. Check Your Mail
Apple will always send you a receipt of your purchases to your email address. Finding what Apple is charging you for using this method can be helpful especially if you’ve checked every other place as listed above. Here’s how to view your receipts from your email;
- Open your email
- Type “receipt from Apple” into the search box
- This will pull up every receipt that was issued by Apple, with the latest of the receipts displayed at the top of the list as well as their issuance date.
- You can open the mails to find items purchased and their respective prices.
4. Contact Apple Support
If you’ve done all else and are still unable to find the item purchased that keeps racking out money out of your credit or debit card, then contacting Apple support for help will be your go to. Use the link to connect with an Apple support agent, getsupport.apple.com. They may ask you a couple questions all geared at helping you best.
Why Is Apple Taking Money From My Account
Like I already stated in this article, Apple is no dubious company and will not as a matter of certainty try to take your money for no reason. So if you’ve had your credit card charged by Apple, then it’s most likely you owe them, otherwise it could be a mistake, in which case you can file a dispute.
Below are some of the reasons Apple will charge your bank account. They’re very obvious reasons but you may need to check them again before pointing fingers on Apple for taking your money.
1. Recurring subscription
If you had signed up for a free trial and had forgotten to cancel it at the end of one week or one month as the case may be, then you’ll be charged. Apart from that, apps you use can charge you at any time your payment becomes due and this they do without your permission, because you already authorized them from the beginning to charge your registered payment system. This is usually common with in-app purchases.
To find and disable subscriptions you no longer need;
- Open iPhone settings
- Tap on your profile, afterwards tap on the subscription option
- Find the subscriptions you no longer need on the active list and cancel them. You bank will no longer be charged on canceling the subscriptions.
2. Family Sharing Group
If you have organized a family sharing group with your children, spouse or anybody else, then you may be receiving bills for what they use. A family sharing plan allows as many that are connected to it to use subscriptions to Apple services together instead of paying for different subscription plans.
Although as the organizer, you can restrict what participants in the family sharing group can buy, that’s not usually the case. Once they purchase a subscription or an in-app purchase, Apple holds your Apple ID responsible and your bank gets charged.
You may want to reach out to users on the family sharing plan, asking them if they had made any purchase without your knowledge.
3. Authorization Charges
This is a small charge, usually $1 that your account is charged. Debit for this small charge is authorized by a financial institution and serves as a way to verify a new billing information that you have just added.
This small charge may also be taken from your account when you add a new member to a family sharing group. However, this charge is refundable and will not last more than 3 days before it reflects on your bank or billing account statement.
If you’ve seen this in the past and are worried Apple wants to get $1 richer with your money, do not worry, it’ll be refunded.
4. Compromised Apple ID
In the event someone unauthorized has access to your Apple ID, then you risk being charged for items you did not use and they can rack up a lot of money. One way to know unauthorized access has been gained to your Apple ID is the email you’ll receive stating that a new device has just logged into your account.
What you can quickly do is to change your Apple ID password. It’s best to have it replaced with a stronger password and having 2 factor authentication enabled.
How Do I Stop Apple Taking Money From My Account
Apart from disabling your iTunes subscriptions that has been stated already in this article, you can also disable Apple cash on your device especially if you don’t seem to figure out what’s responsible for the charges. Here’s how to disable Apple pay;
- Open the settings app
- Scroll down and tap Wallet and Apple pay
- Toggle Apple cash to off.
In the event your primary billing information is your bank issued credit or debit card, you may want to contact your Financial institution to block the billing information temporarily until the culprit is identified.
It’s important for you to keep track of what you spend on Apple services. While setting up a family sharing group is great, it’s however the most common source of getting unknown charges against your billing information. You may want to set up restrictions as you deem fit to limit what members on the sharing group can purchase.