I don’t know why I have a re-occurring payment
I see that there is a reoccurring payment on my bank account, but I don’t know what it is and why I have to pay because I don’t have subscription
iPhone 12 Pro Max, iOS 16
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Another possibility that isn't included with subscriptions is a recurring charge for an upgraded iCloud storage plan (if you have more than the free 5GB plan). Cancel upgraded iCloud storage by downgrading to the free 5GB plan. See instructions in the following Apple article: Downgrade or cancel your iCloud+ plan - Apple Support
If that doesn't help, be aware that this is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. Apple has a support article about charges — see each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' on your billing statement - Apple Support