Coming soon

Cancel any subscription instantly.

No hold music. No fine print. No games.

Breakwater connects to your bank, detects every recurring charge, and issues a merchant-locked virtual card for each one. No cancellation flows. No phone calls. No dark patterns.

How it works

1

Connect your bank

Link your account through Flinks. Breakwater syncs your transactions and detects every recurring charge automatically.

2

One card per subscription

Each subscription gets its own merchant-locked virtual card with a spending cap. The AI proposes — you approve.

3

Freeze to cancel

Want out? Freeze the card. The next charge declines. The service stops. That’s it.

Built for control

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Merchant-locked cards

Each virtual card is locked to one merchant. No surprise charges from anyone else.

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Spending caps

Set a maximum per card. If a subscription raises its price, the card blocks it automatically.

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AI insights

Spending trends, anomalies, and opportunities — surfaced automatically. It proposes, you decide.

The hardest part is gone

The hardest part of switching banks is gone.

Updating every merchant. Calling customer service. Tracking down which subscription bills which card. Breakwater changes the funding source under your virtual cards in one toggle — every merchant keeps charging the same card number. Nothing breaks. Nothing lapses. You just have a new bank.

Get early access

We're onboarding the first 100 users in Canada.