# ScribeUp vs Snoop

> Snoop scores 26.7 (F) to ScribeUp's 7.9 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/scribeup-vs-snoop
- Markdown: https://www.anchorterminal.com/compare/scribeup-vs-snoop.md (~1,800 tokens)
- Slim: https://www.anchorterminal.com/compare/scribeup-vs-snoop.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/scribeup-vs-snoop.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

Snoop scores 26.7 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories. Both do subscription tracking.

- ScribeUp: grade F, 7.9/100, rank #1071 of 1076. Markdown https://www.anchorterminal.com/tools/scribeup.md · JSON https://www.anchorterminal.com/api/v1/tools/scribeup.json
- Snoop: grade F, 26.7/100, rank #1027 of 1076. Markdown https://www.anchorterminal.com/tools/snoop.md · JSON https://www.anchorterminal.com/api/v1/tools/snoop.json
- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Which one, for what

### ScribeUp (F)

Good for: Banks and fintechs that want subscription management inside their app.

Watch for: No public API or MCP server an outside agent can call.

### Snoop (F)

Good for: UK users who want bills and subscriptions watched and savings suggested at no cost.

Ahead on:
- Reliability, 60 against 15
- Payments & pricing, 30 against 0
- Maintenance & community, 55 against 2
- Transparency & trust, 58 against 42

Watch for: No public API or MCP server an outside agent can call.


## Score by category

| Category | Weight | ScribeUp | Snoop | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 15 | 60 | Snoop +45 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 0 | 0 | even |
| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |
| Security & auth | 14% (17.5 this run) | 6 | 6 | even |
| Payments & pricing | 10% (12.5 this run) | 0 | 30 | Snoop +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 2 | 55 | Snoop +53 |
| Transparency & trust | 7% (8.8 this run) | 42 | 58 | Snoop +16 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **7.9 · F** | **26.7 · F** | |

## Facts side by side

| Fact | ScribeUp | Snoop |
| --- | --- | --- |
| Kind | HTTP API | Platform |
| Vendor | ScribeUp Technologies, Inc. | Usnoop Limited |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth or key |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.). | Closed service under Snoop's terms and conditions (Usnoop Limited) |
| Read-only variant documented | no | no |
| llms.txt | no | no |
| Last release | none | 2026-09-30 |
| Terms last updated | couldn't be read | no date given |
| Privacy policy last updated | couldn't be read | no date given |
| Customer content may train models | couldn't be read | not found in the text |
| Terms restrict automated access | couldn't be read | not found in the text |
| Terms restrict benchmarking | couldn't be read | not found in the text |
| Terms or service can change without notice | couldn't be read | not found in the text |
| Arbitration or class-action waiver | couldn't be read | not found in the text |

## Verdicts

**ScribeUp.** ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.

**Snoop.** Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.

## Before you call either

### ScribeUp

1. Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.
2. Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's.

### Snoop

1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.
2. For a business data arrangement, the route is partnerships@snoop.app, not an API.

## Questions

### Which is better for AI agents, ScribeUp or Snoop?

Snoop scores 26.7 (F) on agent readiness against ScribeUp's 7.9 (F), and leads in 4 of 7 scored categories.

### Can an agent call ScribeUp and Snoop without installing anything?

No hosted endpoint is listed for ScribeUp. No hosted endpoint is listed for Snoop.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/scribeup-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/scribeup-vs-snoop.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "scribeup", "b": "snoop"}`. From a terminal: `anchor compare scribeup snoop`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/scribeup.json and https://www.anchorterminal.com/api/v1/tools/snoop.json

## Other comparisons with ScribeUp or Snoop

- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)
- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)
- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)
- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)
- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)
- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)
- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)
- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)
- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)
- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)
- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)
- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)
- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)