money is constantly charged by apple from my bank card

Try and see if you can identify the charge

1. To see your purchase history, go to reportaproblem.apple.com.
2. Sign in with your Apple ID.
3. A list of purchases will appear. To see family members' purchases, select the Apple ID button and choose a family member.
4. To see the full receipt, including tax, tap or click the date. Multiple purchases, including subscriptions, may be grouped into one charge.

If you've checked reportaproblem.apple.com and your emailed receipts and you're still not sure why you've been charged, contact Apple Support.

See this link for further reference

If you see 'apple.com/bill' on your billing statement - Apple Support