Oportun - Save, borrow, budget App Reviews

VERSION
4.70.0
SCORE
4.7
TOTAL RATINGS
282,941
PRICE
Free

Oportun - Save, borrow, budget App Description & Overview

What is oportun - save, borrow, budget app? Oportun is the savvier way to meet your money goals. You can save without thinking about it and manage your Oportun loan and credit card in one place.

Our app guides your money toward your goals in a way that takes your spending habits, income, money goals, expenses, and overall financial situation into account. It's an effortless tool to help you save for goals big and small. Members typically save thousands of dollars a year* without feeling it.

SET & SAVE

Oportun learns your spending habits and saves amounts you won’t feel, but add up fast. Set up your savings goals, target amount and date, and we’ll help you save for them effortlessly. If you don’t have specific goals, you can save towards a Rainy Day Fund and have savings on hand for whatever comes your way.

BORROW WHEN YOU NEED TO

You’re more than a credit score and we take that into account. Our loans are designed to help you build your credit, so you can apply without a credit history**. Once approved, you can manage your loan alongside our other effortless financial tools. If you already have a loan through Oportun, you can use the app to manage it too.

HOW IT WORKS


1. Link your bank account so our app can learn your spending habits and expenses.

2. Set up as many savings goals as you like.

3. We’ll get to work with small transfers saved often.

PUT OPORTUN TO WORK

Get started with 30 free days of saving and investing. After that, you can enjoy effortless money management for just $5/month. Cancel your subscription anytime. Plus, the Oportun app is free for members to use for the purpose of monitoring and paying their loan and credit card. Our app is available in English and Spanish.

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Oportun also offers personal loans in certain states through its partner Pathward ®, N.A., and credit cards through its partner WebBank, and those products are subject to credit approval.

Standard data charges may apply when downloading the app.

*Based on average saves of all paying app members in the prior 12 months. Not a guarantee; results will vary based on your income and spending.

**While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants.

*** Oportun does not share information between its affiliates or partners without consumer consent or as otherwise allowed by law.

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App Name Oportun - Save, borrow, budget
Category Finance
Published
Updated 13 March 2024, Wednesday
File Size 196.93 MB

Oportun - Save, borrow, budget Comments & Reviews 2024

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Not worth a monthly fee anymore. I’ve used Digit in the past and just recently signed up for it again since I like the automated savings it offers. I’m not the best with saving money, so it’s really helpful for me. Back in 2017 when I signed up they gave you a 1% bonus, then when I recently resigned up it was .50% and then just a month later it dropped again to .10%. Of course with dropping to .10% they’re still keeping the same monthly fee. I know they need to monitor what the Fed does with the central rate...but they also charge a fee for their service so I feel like they should keep that in mind when adjusting their bonus rates. At a .10% savings bonus there is literally ZERO value proposition with Digit currently. They want you to pay $60 a year for automated savings, with basically no bonus at all, which is ridiculous. You’re better off currently setting up recurring deposits to an online savings account (even though it’s not the exact same as what Digit does) that offers a much better interest rate. Update: You have to save $4,000 a year (and keep that balance) in order to get $1 as a bonus (4 times a year) according to their website. They say on average people save $2,500 a year, which be $2.50 a year in bonuses. Know that before signing up!

Pleasantly Surprised. I have only been using Digit since last month and it has already saved almost $350 from my checking account! I would see the withdrawals from my checking account, but otherwise I put the app out of mind. I decided to check the balance today and was pleasantly surprised with the amount saved already! The savings is the best feature about this app, but there are two more impressive features worth noting. First, it sends me a text every day telling me good morning and most of the time it’s in a different language. How fun! The text also tells me how much money was in my checking account the day before, and how much is in there that day. It includes a link to view recent checking account activity, but I have not used that feature as of yet. Second, Digit has a low balance protection feature and I set mine at $25. This means that Digit will not take any money out of my checking account if my balance is less than $25. But I found something else out yesterday. Digit also transfers money from the app to my checking account if my checking account balance drops below $25! Love it!

I LOVE DIGIT. I downloaded digit a couple of months ago, and not only did it help me save money but also helped me keep track of my spending. It texts you every morning with a clever greeting, followed by your checking account balance and how much you spent the day before. It really puts into perspective how much you truly spend every day, which personally made me realize how much of that was unnecessary. I’ve been much more frugal and responsible with my funds thanks to digit. However, I do have one complaint. When you finally decide to withdraw your savings from digit, it takes FOREVER for it to go back into your checking account. For example, I tried to withdraw money on Thursday, it is now Saturday afternoon and it is still pending. I have no access to that money. I understand that banks are closed today, but digit was able to take money from my checking account yesterday (Friday) to add to my digit savings, so why couldn’t they have completed that transfer? It’s upsetting because I use this money sometimes to get me through between paychecks, and to not be able to access it when I need it feels like someone else is in control of my money. Other than that, GREAT APP! With some more work it will be awesome.

Steals from your account!!. Digit is setup on a bills only account of mine and bc the algorithm and timing of digits withdrawals is so slow and random, it has accumulated multiple over draft fees. The first time it happened I just chalked it up to me not monitoring the account well enough with a new source taking from it randomly. Digit refunded the money and recommended options on how to avoid this from happening. I followed their advice and yet again with the timing of Digit and the randomness of the withdrawals it happened again. This time I looked to close the digit account to avoid yet another situation and the only option that’s clear is texting PAUSE. I would look for a way to close the account several times and texted pause several times to avoid using the app then ended up uninstalling. It stopped taking money out of the account for some time so I thought it was over with it... I WAS WRONG!! It was taking money out of my account in the background and started causing more overdraft fees and started using the “Saved” money to cover those fees so I never really saw it until I inspected my account further. I talked to several members of the Digit team who will not assist with refunding over $100 in overdraft fees and the money used to cover it. Each of them refuse to reimburse the money back before closing the account. Save your time and your phone storage by NOT INSTALLING DIGIT!!!

It’s Alright. It’s an okay saving app. It takes away seemingly change almost everyday. How much it takes out depends on how much is in the account, which I like. There’s two things I don’t like. One, you can only connect to accounts to it. I would like to be able to connect my checking and savings account so whatever it takes out of the checking, it would automatically be transferred to the savings. It would’ve been more convenient and I don’t trust having my money in an offshore app. However, I could transfer it back to my checking account and manually transfer the money into the savings. Another thing I didn’t like was the monthly subscription. I wasn’t aware that there was subscription; it wasn’t made known. After a month, I noticed $3 taken out of my account and realized it wasn’t part of the money saved up, so I disconnected my account. I find it kinda stupid to be charged $3 for having my money being taken out for savings. Others probably don’t care, but I do. Overall, I did like the app. It texted my everyday at the same time about my balance and how much it took out sometimes. I ended up saving $20 the past month, which is a plus.

5 year anniversary, ILYSM. My 5 year anniversary with Digit is coming up and I will never give this app up. I highly recommend this app to anyone just starting their savings journey who needs a little extra help (college students, fresh grads, etc) or seasoned savers looking for another spot to park some extra funds. I like to joke that it “steals” my money, but in the best way possible. It swipes little by little, change you wouldn’t notice, and saves it for you. This app has saved me on rent and bills more times than I can count. It sends daily texts about my bank balance which helped me notice a fraud charge and get it handled immediately. The saving algorithm really knows my habits and my bill schedule and never takes more than I can afford. It adapts to pay changes and surpluses in funds to take a bit more or less when needed. You can pause savings and take your money out in seconds if needed. The interface is simple and easy to understand. In the future, I would LOVE to see it add a bill calendar feature to see when my bills pull so I can quickly see what’s coming up soon. overall, this app has been a true lifesaver and my best CYA tool.

I am sad…... I am disappointed that I will be emptying my accounts through digit and deleting the app. I loved digit, I would always tell people about how great it was and how much it helped me save money. I loved especially the feature they offered to save up for you bill payments. I had one set up for my phone payment and it was perfect! I would slowly save up the money for the bill day by day and with having several lines on my phone plan it was nice to be able to not have to pay one lump sum. I noticed an email today while looking how to contact support because I can not access my accounts through the digit app, that stated they would no longer be providing the service to help pay your bills. Unfortunately that email was from a month ago that must have been in spam. (I check my email every day and was searching for digits contact support) so now I am paying a lump sum bill that I was not expecting to pay in full. I wish they would have texted me or sent me a notification on the app about that. What really makes me upset is that while this app does amazing at saving my money back for me, you are now required to pay a service fee of $5.00 a month. Which was worth it to me until they removed the bill payment feature. And to top it off now I can not even access my account that I have all of my savings in. 😓

It’s a good app but it does have some flaws. From what I have gathered from this app for using it a couple weeks it is a good idea. It sends you texts messages telling you your balance, you can set several goals for yourself even by a certain date, withdraw anytime and you don’t even have to go the app for your bank account to see if you’re low or not. However this is what I DON’T like. If you have several goals it takes a couple cents out which I get, have some money in it to start your goal. However from my eyes it takes a couple cents out every couple of days which I don’t like. I also see that is a recurring review when it comes to this app. Another point, I have a college fund goal, I just recently got half the money I needed my plan was to put that half in the app (which I still will). I put all the money in my bank account. I thought maybe I could right away put it into the app, NOPE. I have to wait till the bank opens in the morning to do it. Now I don’t have a problem waiting in the morning to do that but I think I should be allowed to do it right away. So that is why I am giving it 3 stars, some things have to be fixed but I will still be using the app.

The changes are not great.. Have been with Digit for a very-very long time. Way before they even started charging their users to save money. When the app was super simple and EZ. I deleted the app a few months ago just to catch a break and manage my money on my own, but now I've come back and redownload it and there are tons of changes... No daily account updates, I'm receiving a debit card I'll never use, longer wait times for transfers, several different accounts that I don't know much about. What's going on? I understand rebranding will help to keep your business alive, but make sure to read the feedback from your users(especially long time users). I'm going to keep the app for another week or two just to see how it works, but it just seems like another form of Cash App, which I already have... I will continue to let time pass by, but I probably won't keep it for long if there are no real changes being made here. I personally don't like that some bigger company took over a small-based app. If I'm paying more to support the service, fine. But I'm paying more to give back to the bank and some random business. Not cool at all.

I am really impressed. I turned 18 a month ago and I’ve been trying to save money for things I want to be able to do. The only problem is I could not find the time to do transfers at my bank from day to day basis on areas I felt safe putting money in without taking to much out. Sure you have to wait a business day or two for the transaction to go through but it is worth it. I am amazed at how easy it is to go to the help area and read more to learn about what goes on and could not be more happy with my decision. I don’t care that it cost 5 dollars a month for automatic savings it is going to be worth it in the end and I look forward to using the app. Also for anyone that is concerned about what goes on in the app just go to the help center and it has categories for pretty much any question you have. So even if you are scared to try it don’t be I personally feel safe knowing that they can protect my money and my bank account. I highly recommend for people that are just now starting to get into the adult life and need help saving and learning. I hope you find this app as useful as I do.

Horrible experience. I recently downloaded this app , and thought that it would be great to save for a future car. The app itself is difficult as hell one minute they want you to set a minimum so you won’t overdraft! OVERDRAFT IS THE WORD! This app is totally insane I saved 89 dollars for my first save on my car right? But then the updates or completely slow. It’s takes very long for my information to be updated......So this is what made me unlink my bank. So everytime I spend out my my account, it takes about three days just for it to update with them so when I saved that 89 dollars I first thought I overdraft my self because me spending out my account didn’t update with them yet so I’m like they don’t know what I have in my bank yet . But all along, they make there app look so slow so they can take your money. For example.... say your last update with them say you had 50 dollars in your checking, then you spend 10 and put the rest in your savings with them, that don’t update with them until a couple days later so they a say o well you don’t have enough money in rainy day to save.......MORAL Of the story is my account is currently 58 dollars overdraft because when I requested my savings back they charged me 2 return fees for my own money back so I’m getting my bank and the police involved cause they refuse to take it off my account.....this app needs to be shut down

Bad Experiences. I’m pretty disappointed with the app. I downloaded it, but I was skeptical. I liked the concept of Digit. However, I’m in a situation where I have little “disposable” income, so the idea of saving bit by bit seemed like the ideal way to save for me. I set the bar at $50 for account protection, so the app wouldn’t “save” if my account balance was below $50. Easy, right? Not really. The app, in my case, just randomly withdrew arbitrary amounts of money from my checking account, without consideration of my paydays and when/what bills were due. It would be anywhere from mere cents to $10-15 each time it saved. Eventually, I just paused the saving before it started to charge me the monthly fee to scope the app in order to see if it was something I’d keep. I never pressed play on the saving again, but it continued to withdraw from my account in the name of savings. The savings were just $.50 withdrawals, so it went by unnoticed. It took out $20 one day, which I did notice, so I checked the app and saw it was still saving my money. I closed my account and was assured that I’d have my money back the next business day, yet my bank just posted the transaction as a withdrawal from my account. There’s nothing set for me to get that $20 as far as I can see. If you want, try this app, but I’d be weary.

Helpful and easy to use. I’ve had Digit for over eight months now, and could only be happier if it had just one more feature: to show if I’m ahead or behind my goals. Any time you create a goal, you can select a particular amount and an optional target date. It predicts how much you’ll need to save each day to meet that goal on time, BUT there’s also a tool for a maximum daily amount if you don’t want it to be regularly taking chunks. You can manually add amounts when you’re ready, and can withdraw at any time, with a $.99 fee for immediate transfer or free overnight transfer. I’ve been on three trips now using Digit to save up and really appreciate how easy it makes to save. It’s also satisfying seeing the progress bars approaching the goal. I just wish there was a marker line to show if I’m ahead or behind schedule on deposits to make the goals on time. For example, I have goals that predict needing to save $5/day, but I set the maximum daily amount to $1, and make manual deposits of $25 or $50 on paydays. I’d like to be able to compare the current amount to the benchmark for where I should be given the goal date.

Having issues for the third time.... This app isn't really for people who live paycheck to paycheck due to how much money they take out of your account. When it's good, it's really good, but when it's bad, it can be really bad. So I've had this app for about a year and a half maybe two years and it's been decent. Even if I tell digit to 'save less' it still takes too much money out of my account. Last time I chatted with customer service to ask why digit was saving $15 or $19 from my checking account in one lump in one day and the representative told me that it's because digit senses a paycheck coming which baffled me but I stuck with the app. I set a daily saving limit of $10 and at the times something told me that I should set the bar lower but I didn't listen. Imagine my surprise when $10 was taken out of my account THREE DAYS IN A ROW. In case anyone is bad at math, that's $30 over the span of three days. You might think, hmm, I guess you bought something that caused the app to save $10 for you everyday. I paid my rent which should've rounded up my change to the next dollar, not take $10 out of my account for three days. I'm tired of this. Instead of having nearly $80 in my account until my next paycheck I have nearly $50. I have Qapital as well and that app is not nearly as hard on my checking account as this one is. I'll be deleting this app.

Decent app for savings. Digit is overall a pretty good platform for automatic savings and paying off debt. The interface is pretty user friendly and simple to set up. You can set multiple savings goals and with your credit cards linked you can automatically set aside money and have that money sent on a set day to help pay off your cards, which is probably my favorite feature. As far as savings goes and it’s claim for analyzing bank activity and adjusting accordingly I’m not so sure. Digit is very aggressive when it comes to savings. I don’t have a whole lot of money in my account, trust me, and before I set the max limits it was pulling anywhere from 15-60$ daily to my 2 savings accounts and my credit card. After setting my maximum limits at $10 now it literally just pulls $10 for each almost every single day. Even days where I make big payments like my mortgage you’d think with it monitoring bank activity and smart analyzing it wouldn’t pull from my account that day. Nope still just pulls the max amount. All in all the app isn’t bad though. The transfers are easy, the credit card bill pay is great, and it’s nice to set aside some money for some savings. If the app had better analyzing and wasn’t so aggressive I’d probably bump it up to 4 stars but as it is now I have it at 3/5.

Zero stars. If I could rate this app zero stars, I would. I signed up for digit and was skeptical that I had to enter my bank account info before I could even see what the app was about. I’ve used other financial apps in the past without it being an issue, so was I unpleasantly surprised when I get my account set up and the first message I get is that they’ve already made a withdrawal from my account without me even having set up my app preferences yet! I decided to remove my bank account and got a message that my saves would be refunded within a few days. Except I never got my money back. So I try to log in to the app to see what I can do and it won’t even let me in without entering bank account info. Against my better judgment I enter account info in for an account I don’t really use and usually has less than $100 in it. BIG MISTAKE as the app then makes ANOTHER withdrawal from that account. I look around and find the “close account” option. Again, tells me that my money will be returned to my account by the 12th. It’s now the 14th, still haven’t gotten EITHER of my “Saves” back into either of my accounts and because I closed my account the only way to get into the app to contAct them is to ... you guessed it... enter my bank info and create a new account. I tried texting and keep getting “your account is pending closure. To reactivate sign in at ”. Literally theft. Don’t waste your time or money on this app!

I’ve saved a lot!. The app is great and very straightforward! Very User friendly; if you know the basics of it. I didn’t know about the subscription fee yet, I should have read more but, I was okay with it. The value and services it gave to me is another favorite. You can set how much you want to save or stop saving. It lets you know how much was withdrawn or deposited into your account within 24 hours through text message. You can text it back to stop saving for certain days in the actual app, that’s if you’re running low on funds; which is great! The coolest part is, if you let the app know a certain amount your bank account should be and, it falls under that, the app will start taking funds you’ve saved to put back into the account to help from falling under that fixed amount you’ve set, even being overdraft to keep your money on track. I’ve never had a issue with it holding on to my money. It takes 1-2 business days to get the funds back and it’s longer when processing it on weekends because of the banks automated systems. It’s been an great saving app for me.

Not saving enough. I’ve been using this app since 2016 and used to love it. It has saved me so much money and I relied on it for setting goals and setting aside funds for when I needed it. Lately, it has not been saving enough. I have more money in my bank account now than I have ever had, and it takes out such small amounts that it’s not making any progress towards my goals. My last 4 goals did not save enough at the date of the deadline. I contacted their customer service months ago and they said it was a known issue and they would fix it. To be honest, I did see a fix for a few weeks, where it was saving a lot of money for me, and then it continued to save 10 cents here, $1 there, when I have a few goals that are ending soon and I’m no where near my goal. I emailed them again and was basically told to just set the deadlines for sooner than I need it. Even doing that, I’m not going to be meeting my goals. It simply is not saving enough, despite there being more than enough money in my account to transfer. There are other reviews and social media posts about this same issue. I will be looking for a new app to replace this one because an app that is supposed to save money, now with a monthly fee, but isn’t saving much for me is not worth it. And it’s a shame since I’ve been using and relying on this app for so long. In the meantime, fix the algorithm! Make this app useful again.

Why doesn’t the service evaluate your balance?. I downloaded the app last month with the intention of using it once I had an ample amount of money in my account to save. I disabled the saving services and one of my gripes is there’s only a 30 day maximum to turn off their services, why not have an unlimited time? When the service turned back on I never received a text when I have previously received SMS notifications. Then the service started saving money when I didn’t have anything in my balance and accrued 3 overdraft penalties because of digit. I received a notification through Mint about the first two and contacted Digit’s customer service and they helped pay back the $60. What I didn’t like is instead of directly wiring the money to my checking account, they gave it to me through the app and I withdrew from there. Another thing that made me upset was instead of suspending the service to prevent this from happening again the service continued to withdraw money from my checking account with no balance. They only allow for instances for 2 overdraft help so I took am out $30. I’ve since unlinked my bank account and deleted the app. The idea is nice and the app works for what it does, but it needs to improve its algorithm for analyzing accounts before withdrawing money in case you have none.

Liars. I used to love this app and was even fine paying the monthly fee but they took money out of my account 3 different times earlier this year and made my bank account go negative. I contacted them and they refunded those fees and gave me the recommendation of setting a limit. So that is what I did. If my Bank account had $100 or less Digit would not take any money out. I also put a pause on my account in September and they still took money out in September and made me get 2 different bank fees and then again this month as well and I ended up with 2 different bank fees. So I contacted customer service and explain that I set the withdrawal from my bank account limit of $100 but they still took money and gave me 4 fees since September. I asked for these to be refunded and they refused to cover these fees which stated they always would. The advice I was given was set my withdrawal limit at 300. So I canceled my account. And the money they withdrew has still not be refunded. I feel this is false advertising and I did all the recommendations I was told to do and they still refused to over the bank fees stated in the agreement that they would and still not received the money they took the last time that caused 2 bank fees. I have contact customer service and nothing. I will no longer speak highly of digit.

Easy way to save money. A couple reasons why I used this app to help me save. I was trying to tighten my budget and save for a last minute trip. This app set small amounts of money aside for me and it wasn’t really noticeable. I also like the fact that you can set balance limit on account digit withdrawals from. When your account gets too close to a balance you set Digit will not withdraw anything. You will even get a message, “if I withdraw anything today your account might go below your safety limit”. I think it’s called a “safety limit” Con: you’re charged, I guess an “administrative fee” for each account you set up. Example, if you have a vacation fund or a Christmas fund you are charged per fund $5 monthly. Most banking institutions have vacation and Christmas funds you can deposit into already. I was trying this out because I wouldn’t have the easy access to the money. It worked and I was able to reach my saving goal in 5 months without feeling a strain in my daily living. So for me short term saving goals are best so your fees don’t amount to much

LOVED THIS APP until brand name change. Swore by this app & tried to have a few of my friends download it that wasn’t good at saving. I’ve saved $2k in 2months w/o even realizing it just by the small amounts each day that it would take. I noticed some reviews say they didn’t like how much was taken out but you could “adjust” the maximum amount you would prefer a day & they had a “pause” button if you needed to stop getting money taking from bank account when running low but it was usually pretty good with being mindful of your balance. I loved this app & had it since 2018 but unfortunately I am now deleting app in 2023 as they changed to Oportun. I don’t like it at all even though a few NEW features were added, it took away the joy from just saving for “rainy day” or personalized things. Them adding the segment to “Set aside for bills” feature doesn’t work well at all & then they make you have an account within the app & I no longer see the option to transfer money to my actual bank like it did when it was DIGIT. Sad to let it go but until it goes back to the way it was…..I’m done with it. :(

Dangerous service! Will steal your money!. My dad was using this service as a rainy day fund for him and his wife up until his sudden death. The funds were withdrawn from a joint bank account that was shared with his wife. In his will, he left everything to his wife. This company has gone out of its way to keep the money for themselves and not debtor the payment like they should be in this case. Even after a letter from an estate attorney, a copy of the will, and many other legal forms, they are still requesting things like Letters Testamentary. This is something you have to petition the court to do. Filing fees and publication for this can be $180-$500. The funds are not worth the price of what they are requesting, especially not leaving out the most expensive part, doing a probate on the will that can cost over $1500. So in turn, if you stash let’s say $3,000 in a service like this, if you die and you want your spouse to have that $3,000 for something like debits or the funeral, they will have to spend around $2,000 to get it back, netting you $1,000 in return. Most of the positive reviews about this company are from living individuals just finding ways to stash their hard earned cash. This company is dangerous and I highly suggest you do not do business with them especially if you want your funds being returned to you, your estate, or your loved ones.

must have in your life!!!. I have seriously tried every single savings app, i have one of the worst and i mean WORST spending problems of anyone i’ve ever met making it horrible to try and save money and this happy literally just changed my life. I needed to save about 1,600 and i put in all the info on the app and kinda just forgot about it, (to be honest i just didn’t think it’d work so i left it alone). Then just now literally as i’m laying in bed checking my bank transactions i see that Digit had taken from my account. So i go to the app and it had a balance of like $215 or something and i realized that was my savings. every day Digit takes a little money out of your account and it takes an amount based off what you have in there and what your expenses are and puts it away. it also gives you how many days until you reach your goal (mind was 44 day) but i mean 6 weeks that’s not that bad when it does it all for me. it feels like i just wait 6 weeks and then my reward is $1,600!! i highly suggest this app if you have a savings problem, i’m excited to see how this works out.

Liars. Ok so I downloaded this app yesterday and was trying to budget money for my college debt. You have to link your bank account with this app but I thought it just did simple analysis like mint does to suggest how much to save. This app did not have a pop up window or agreement when I was budgeting so I was unaware that it would actually take money out of my account. I was over drafted an insane amount of money. I contacted my bank and they told me to first contact digt. So I emailed them saying this was obviously a mistake because no sane person would overdraft that amount of money. They said it was against their policy to do so and there was nothing I could do. There is but they of course didn’t mention it. They use ACH instead of a debit or wire charge. You can call your bank within a day or two of the charge and block it. Be careful though because these companies will change their name slightly and charge you again. When I told them I knew about this they suddenly were telling me to contact them ASAP and not contact my bank to discuss “options”. So basically when I told them I knew the loophole to the system did they try to help me. I blocked it anyway and closed my account. I don’t expect them to tel customers about ACH charges but why not mention those options in the first place. Your company only mentioned them under threat of bank interference.

I absolutely LOVE Digit!. I discovered Digit back in March 2018 & I’d be lying if I said I wasn’t skeptical at first. A lot of the negative reviews made me very nervous to try it out when I first started out, but I’m a customer for life, now! Digit helps me make sure that I’m saving money, & I really don’t even notice the money that’s being taken out to be saved. I love how quickly I’ve managed to save money towards individual goals, as well as in general. It’s amazing how much you can save when your funds are being put somewhere that you won’t have immediate access to it. & if you’re concerned about withdrawing funds at any point in time, it’s an absolute breeze. The withdrawal minimum is really helps as well. I have mine set to $50, & they’ve never withdrawn money from my account when my balance is at $50 or below. They also won’t withdraw on weekends, which is always helpful because I can never get an accurate balance on my bank account until Mondays or Tuesdays. Also I could rave & rave for days about the customer service. They’re absolute sweethearts & they’re more than happy to answer any questions you have for them. They don’t make you feel stupid or under appreciated. I would & DO recommend this app to anyone who has trouble saving or anyone who just wants a little help putting some spare money to the side for a rainy day. I promise you that downloading this app will be something you won’t regret!

Update: Good Bye! Had to Leave!. ***Update to November 25, 2024 Review I wrote the review over a month ago. Tried working with Oportun staff to fix the issue, but they continued to give me the same instructions on how to connect. I’d remove the account, then reconnect. It didn’t work. Staff was responsive, but the connectivity issue continued. I just don’t have time everyday to go through the process. Sad to go, Oportun was a good app, but it’s just not working with my BMO bank. Hopefully the issue will be resolved someday and I’ll give it another try. Until then, so long! Been using Oportun (formerly Digit, formerly Hello Digit) for over eight years. The feature of the app to auto save from my own has been my preferred service, even after it started charging me $5 per month for the service. It has helped me save for vacations, Christmas, and other surprise expenses. My bank switched from Bank of the West to BMO. Since the switch, Oportun continuously loses the connection with my BMO and I’m having to reestablish the connection EVERYDAY. I love the app, but I can’t keep this up much longer having to log in to my bank account through the Oportun app. I even created a daily reminder on my phone to go through this tedious process. I don’t mind paying the $5 monthly fee, but it doesn’t seem fair for me to work this hard to use your app and still have to pay. Please fix the connection instability between Oportun and BMO! I don’t want to delete it.

Amazing and helpful. I love Digit. It had helped me so much. Not only to save money but to kill my credit debt. I never realize when it’s taking money and just recently I’ve been terrified of how my credit debt has been looking because I work paycheck to paycheck so I can’t afford to pay off my debt. But because Digit automatically saves me money, it saved and paid $123 to my credit debt and I didn’t even know it had saved that much money! Digit is literally saving me without my knowledge. I need a good credit score because I’m trying to move as well as trying to buy a car in the 🤞🏼hopefully🤞🏼 near future! And I will be honest, I have pulled a LOT of money from Digit. I probably would have had over $1,000 saved if I wasn’t so stupid with my money 🤣 so I say get Digit and IGNORE IT if you’re bad at saving. It will help and it’s totally worth it in my opinion. I currently have $153 in my “Rainy Day” savings and will use that to help with a deposit when we move, and by then I should hopefully have at least $200 saved up ☺️ thank you Digit for saving my life and my money.

Must Have App. I never review apps but this one deserves a good review. Digit is my all time favorite app and has saved me so much money in such a sort amount of time. The app is extremely user friendly and truly, once you set it up, you really forget about it. I love how the apps only takes out funds it knows I will not need and when it recognizes that my account is low, it automatically deposits some of my saved money back into my checking account. For only $5 a month, all of my money is FDIC insured and my savings earn a 0.10% savings bonus which is nice! Another AMAZING feature is the automatic Credit Card and Student Loan payment feature. Rather than taking money from my checking account and putting it into savings, Digit will automatically route that money to my Credit Card payment and Student Loan bills saving me hassle in the long run and shortening my repayment plan! Truly, I cannot say enough good things about this app and I recommend everyone give it a try. If the $5 a month doesn’t seem worth it to you, I believe they offer a free trial that you should take advantage of because once you get a taste of how much you can save, you’ll gladly spend that $5 every month. To put it into perspective, Digit saved me $1,000 in just a few months by slowly taking out $3 here, $10 here, etc. and I never noticed it missing from my account!

Very Disappointed. I would like to start off by saying I loved this app at first... it was quick, easy, and not time consuming. But about a month in, Digit overdrafted my bank account by 40 dollars (and I had overdraft-prevention on). I reached out to their support team and they said that I can be reimbursed (which would take a day) and I followed their directions. But I was really in a rush to put money back in my account before I got charged a fee from my bank. So since I couldn’t get the money back that day, I decided i should just pull all my savings... but when I tried to do so, it only let me pull a small percentage of my savings from each category (for example I had a category for a laptop which had about 150 dollars, and they only let me take out 40). It was enough to save me, but AGAIN it needed a day to process... at this point I was very frustrated and tried contacting them again but got no response. And their only form of communication with savers was over email. No phone #, so I had accepted that I was going to be charged by my bank and was infuriated. I filed for the reimbursement almost a week ago, and have still not gotten a response. I was charged 30 dollars by my bank. I just closed my digit account and will never recommend it to anyone.

Great beginners guide to finance !. Digit has been one of the easiest and convenient to use to help me learn how to budget really fast . Because I pay for college out of pocket, saving up for tuition without killing my spending and trying to cut all expenses was way overwhelming and frustrating. I set up a “rainy day fund” and a travel fund, rainy day was for tuition and travel fund is to save for any field trips / business trips for work and for 3years budgeting became very easy! I’d have to check my bank to make sure I’m not overdrafting every month, but it made a great job determining how much to save every week! By the time I had to pay my tuition every 6 months I didn’t even dent my bank account and it was so relieving that I had money left over to still eat out or treat myself. :) Now that I’m close to graduating I’m realizing the only the only thing I missed out on was accruing interest and building credit but now that I’m in my mid 20s I’m gonna start focusing on that. The savings bonus is not enough to make up the monthly fee anymore, but I finally graduate university without any debt and that was totally worth the initial cost. Thanks digit!

Not sure this is the right way to save $. I am aware of behavioral finance and study savings for a living. I use other tools like Mint to save money and don’t have to transfer funds from my bank account. I tried digit for a month and watched as it took money from my account to my rainy day fund and a few goals I set up . On the positive side - it was easy to do this. On the negative side - I’m not sure how their algorithm works- but it seemed random. Maybe it eventually learns your habits- but the lack of transparency is a definite drawback from a learning standpoint. In addition- by the end of the month I had a large dentist bill and because digit took my funds - I went under the limit I set for my account. Digit to its credit did start putting funds back from the rainy day finding- but not nearly as quickly and then the next day started drawing again , which does not make sense. Although my experience wasn’t bad- technically everything worked as advertised- It all seemed too complicated to be practical. The app could be redesigned just to take a preset amount of your paycheck and then return it if something unexpected comes up. It could also offer custom options to help the algorithm succeed in learning your habits and when large bills come regularly to avoid taking too much out at the beginning . It only works maybe if not seeing you have the money will stop you from spending it- but you can do that for less than $5 a month.

Does not let you delete app!!. I downloaded digit in May (2018) of last year, and it was a good app. But, I deleted my categories of areas that I wanted to save in order to get the money back, and then closed my account in August 2018. It never stopped taking money out of my account for the ‘categories’ I created to save for. I have multiple bank statements proving this as well as a text from August 14th from them saying I closed my account. Granted they did say it takes 90 days total to close the account, but it has been way way past 90 days. I checked my bank account just now and still saw that Digit was still taking out of my bank, and I have no way to re access my account with the Digit app because I deleted my account as well as the app and when I try to re-download the app and log in I have to make a brand new account. I’ve even tried “re-activating” shorty after and when I did none of the money that was continually taken out of my account was there nor were my created ‘categories’. Occasionally, digit will deposit some of the money back, but not always, and not always the full amounts and lately I haven’t seen any deposits of money back but still money being taken out. I have tried to contact the company through their online app help, and a website as well, but neither time did I hear back. It’s just annoying I have absolutely no idea how to completely stop the entire process.

Great App!. This app is awesome! The part where is scans your account and saves for you is phenomenal, but you can also manually move funds as well, which is great! In doing so it makes saving mindless and easy while also letting me organize my funds for any large purchases or financial obligations with ease. Withdrawing from digit is simple and easy! You can do it two ways, the first takes a couple days for the money to hit your account after withdraw and that is free of charge, which is awesome! The second, if you need the money ASAP takes only a couple minutes to hit your account, but cost you a dollar. In my mind it’s a dollar... who cares, the total value you receive from the app vastly exceeds the 1 dollar charge for that option or the 3 dollar subscription. Made a whoopsie and over drew? No problem, digit has your back, turn on the overdraft protection in the app (even if you never overdraw your account, it’s a good option to have on), and if it happens digit automatically withdraws from your rainy day fund to cover down on the overdraft, no excess fees. Over all, the app is designed to help you out in as many ways as possible, with financial goals, bigger ticket purchases, financial obligations (rent, mortgage, car payment, etc). High 5 to the developers, you guys a really taking a step in a great direction to help people, keep up the great work!

Fund taken after closing and got insufficient fee!!!!. Oh money still got taken out of bank even the balance below the setting!!! And got bank overdraft fee. How do I save? I have never written app review. But I’m very upset that I got fund taken out of my bank account even thought I unlinked my account within 15 minutes after opening the account. My plan was to not take my money out and unlinked the account. Now, not only I have to wait for the refund (if they would bank into my account) but it cost me overdraft fee in my bank because I got charged after cancelling it. I transferred all my money out because i didn’t want digit to withdraw and it still happened. Next I had to go to Digit website to close this account. I cannot do anything on the app unless I link my bank account, in other words I am giving permission for digit to take my money as they think is best for me . It’s not an app for someone who wants to control their own money. It would have been nice to allow customers to navigate the app before forcing people to link the bank account ... then we can decide whether we like it or not. So if you are not sure what this is about (I’m still not sure), then don’t even bother using this app. I learned it like a stupid after linking my account and got slapped with fee by my bank. How is this Savings??? I just lost $35 bank fee plus Digit withdrawal for now reason

Love it!. I love this app, it’s saved me over 5K without me even having to break the bank. Yes they have a monthly fee, but you save a lot more and they give you every 90 days 1% of what you saved. So it’s almost like you’re making your fee back. But, the one thing I don’t like is the algorithm they have for saving money. I had $800 in my actual account where they take it out from, the entire time I had this app (Jan 1st) they haven’t taken out more than $5 each time for all three accounts I have, so more than $15 a day. That’s fine, it’s usually never more than that. But today, for some odd reason, they took out $24 for two accounts and $18 for one. LIKE JESUS! I had my car payment go through and some others that haven’t been taken out of my account but I thought it was fine since they have never taken that much out of my account. For now on when I have my car payment and anything else that is a large payment I’m going to have to suspend the savings for a couple days till they can take my payments out, or just manually take out the savings. It was freaking crazy to see that be saved. And I can’t put it back into my account since I get paid on Friday and it takes multiple days to even get the money when you withdraw it. So watch out on that y’all. I was shocked!

LOVE. I’ve had this app since 2016 before they even started charging for it and I was more than happy to pay the subscription fees once they began to collect the 2.99 a month. I’m pretty good with saving but this app takes it to a whole new level. It’s so nice when I’m taking a look at my financial standing in my regular bank accounts and then I remember to look at my digit account to see that there’s all this money that I’ve had out of sight and out of mind. It really takes my saving to a whole new level and I don’t even have to think about it 😊 this would be great for someone with less discipline with saving too. You just can’t look at the app too often and you’d be surprised how much money will accrue in just a few months time. I love the student loan feature that they’ve added as well. I’m still in school so there is more flexibility for when I’m paying for it but it’s so nice that I can look and see that I’ve paid hundreds towards my interest and i don’t even miss the money paid since the increments are so small. Genius idea that I’ll gladly keep around forever!

Inaccurate info. So I have never left a review before, but when I decided to use this app, I was very specific and did as much research as possible. Everything seemed to go well. Nothing suspicious. A few months down the road and I had a feeling I should check my deposits. Sure enough nothing was accurate, my bank account showed digit withdrawing not one, but TWO deposits from my account! One was always around $20 and the other was usually a smaller amount under $5. And both were named differently, but BOTH came form Digit. And this was daily!!! Like no! That’s not what I asked for! Even after I put a limit after seeing this, they continued to pull those amounts out under the two slightly different names. The fact that I took my bank account off too, and I’m unable to go back into my account and look at my statements with Digit now is very wrong. And no actual phone number to contact Digit! Only email. I emailed about a week ago, And I have to hear a response on what happened to my money. I doubt I will see that money. But please save yourself. If you live paycheck to paycheck like I do, you will lose money. I’m still missing about $100 that should have gone to my credit card payment as well. I took a screenshot luckily of everything that was supposed to come back to me and go to my CC. And my CC payment is not posting on the date like they said it should. Even though I transferred it before I closed everything. This is wrong and I want my money back. :(

Budget efficient. I've been using Digit for months now. Primary reason is to help me save- which it does. I put my bill money aside into the goal accounts and it auto withdraws when I need it- although withdrawal time frame takes 1-2 business days so you may want to withdraw sooner then the payment date of which you are saving for. I see people upset bc it "takes money from their bank account" but thats how it helps save. If you read the rules of it- it transfers the money from your bank account to your digit account so the money doesn't go to them- it goes towards your savings. There is a monthly fee for the app after the first month of $3 but thats just about it, I believe. I love using this app to help organize my finances & my rainy day savings just keeps going up! Very well comes in handy whenever I need it since its just an extra savings with no purpose other than when you need it. If you know how to read about the app before you download & get into it- I would highly recommend the app so you know how it works. Otherwise you'll most likely get confused.

Digit was great, Oportun, not so much. My bank account disconnects so frequently it’s hardly ever connected. I think it’s disconnected more times in the last two months and it in the last five years. When I used to make deposits manually with Digit, it would take 1 to 3 business days. Sometimes I’m looking at a week now before even seeing it hit my Oportun account. Same goes for moving it back to my bank account. Thank god for the “instant” feature. I’ve never used the feature where it automatically pulls from my bank account, only because my bank account balance varies greatly from week to week, and I almost always have a plan for nearly every dollar in that account. So I’ve always had the savings on pause, and manually put however much I want it in each week. Now, I’m often finding that I’m hitting maximum limits, and the process is so incredibly cumbersome to manually deposit, five to six different, seemingly unnecessary screens. It used to be all on one screen. Select the from account, the to account, and the amount. It’s really crazy how many screens it goes through. I’ve started looking at other services. Hopefully I can find something that works better.

Not perfect but works for me. I have used Digit for one year now and have saved over $1200. This is huge for me. I’m a spender not a saver. I like how it takes out a “random” amount of money because I don’t have to figure out a set amount to take out which may or may not work for me depending on the week. One problem I have had is it has gotten a little over excited a few times and saved a big chunk, over $50, which is usually when I’m stockpiling money to pay a big bill coming up. After contacting customer service (which has been great) I was told I can pause savings when something like that is coming up until after the bill is paid then I can unpause to resume saving. I haven’t used this feature yet as I decided to stockpile in an account not accessible to Digit instead, that’s been working fine and I haven’t had any scary surprises since then. They do take out money more than once a week which can be unnerving. Overall though I’ve been very pleased with this app and it has worked wonders for me. I will continue using it.

Lies about promos. Last week they offered a promotion offering $100 to subscribers pending they get 3 invitees to to join and have their 1st auto withdrawal by the following week. On the first day of the promo, I got 3 friends to join. On the second day of the promo, I got one extra to join. They in turn each invited 3 or more to join to benefit from the promo and of course easily save money for a rainy day. IRONICALLY, NONE (including myself) had more than one of those joiners experience an actual auto withdrawal, within the next 7 days that the promo lasted. How convenient. I wrote to Digit at least 5 times trying to inquire as to why my joiners, all of whom followed through entirely on the sign up procedure, have not had their first auto withdrawals. I received ONE response back from ‘Courtney’ asking for my invitees names and phone numbers, which I promptly provided, saying she’d look into it. NOPE, never heard another word! And AGAIN IRONICALLY, one more of my invitees had their first auto withdrawal hours after the promo ended. I would have rated this app five stars, even ten if I could, but now I’m just embarrassed that I spent as much time as I did trying to communicate in emails and giving Digit the benefit of countless new monthly fee paying members by association. Never again. I’ll spend my next little bit of free time trying to find a similar app who doesn’t make broken promises and telling my friends to do the same.

Second chance?. I’ve been a formal member on this app. Saving little by little, saving big amounts for my own savings. unfortunately, it’s very hard to know if it’s been transferred or not, also taking money even if you’re under. I’m under more than I saved making me lose money. I have to withdraw all my cash out of the app and it still couldn’t cover my debt. I’m not saying it’s an terrible app yet they could’ve just let the member know “clearly” that it finally went though or let them know that it’s still pending before they purchase anything. Nonetheless, it just takes forever to put and withdraw money on this app, easily making you go under. Updated: I still believe this is not a terrible app to save money, I just assumed everything will be instance. To any newcomers on this app, make sure you Always check if you’re money finally makes it to digit BEFORE you purchase anything pricy, and don’t be afraid to only add little by little, the key to saving money is not just putting large amounts into it, but to keep putting anything little constantly- which actually, Digit does that for you. No problems so far. I’m giving this app a second chance :)

Useless and Under/developed. UPDATE: I closed my account and they’re still taking money. I even screenshot Ted the conformation. Your bank likely offers the same service for no more money. Digit makes you wait several business days for money...completely defeating the purpose of a rainy DAY fund. You pay them monthly when you can just pay your bank whatever you pay them anyway. You want a monthly fee but can’t offer instant transfers??? NO. Great concept but in someways, the app seems under developed. The biggest issue is you don’t have an instant transfer to bank account option even though you’re directly linked to my bank account. The reason people save money for rainy days is to be able to access the money on the same rainy day. Not three business days later. You can’t cut off the text messages that send your bank balance to your phone every day without cutting off all text notifications. For many reasons, I do not want my bank balance, as someone holding my phone has already seen that text message come through and that is embarrassing and invasive. In addition, the boost feature is weird and under explained. I’m not trying to boost to get to any goal, I just wanted to save more money. I should be able to do that without having to go through some cliché feature called boost that barely explained and has one sentence in an article under frequently asked questions that was hard to find. This app needs some work.

Best App for Saving Money!. I absolutely love this app. I downloaded it thinking I’d try it out but I was expecting to delete it like I have all the others. I honestly had forgotten about it until I checked my bank account and noticed I had a few bucks a day being deducted by digit. So I checked my digit account and was shocked that I’d already saved close to $100! I downloaded the app in May and between the rainy day account and the travel fund I started, I’ve saved almost $800! I don’t even notice the money being deducted since it’s just a few bucks a day. Here’s the best part - Digit let’s you set up a maximum amount for them to deduct daily but they do NOT deduct the maximum if you’re short on cash or if they notice it’s a time in the month when you’re usually paying bills. Sometimes they’ll only deduct maybe 50 cents or so. Also, you can tell them not to let your account get under a certain amount. I set mine to $10 and when my account dropped below that, digit transferred the difference using funds from my rainy day account. This is huge for me because sometimes I do get down to just a couple bucks right before my next paycheck. The $5 a month fee is worth it just for this feature alone. If you have trouble saving money or you’ve got a big goal to reach, give this a try. You’ll hit your goal without even realizing you’ve been saving money.

DO. NOT. USE. THIS. APP.. So I was not aware that my account would be AUTOMATICALLY drafted from my account! Currently, I am receiving multiple ($35) overdraft fees because this app took RANDOM amounts from my account which was already I. The negatives! Granted, when I downloaded this app and read the reviews, I was interested because I had finally found a way to save! I DID transfer $2 out of my account when I got my pay check to see if it was legit, and I was. ONLY A FEW DAYS LATER, Why do I see different amounts in different accounts on the Digit app, THAT I DID NOT AUTHORIZE! Now my account is even more in the negative with the overdraft fees to come! I really feel scammed! How can I get texts with updates but was not notified of the petty amounts being transferred without my permission! If I could rate this app a 0 I would! Here I am, a struggling college student ON MY OWN, trying to save and be responsible & this is what I get in return! I am telling everyone I know that has this app to delete it! I will be posting it on Facebook as well! Then the nerve to not have a customer service number?! You might wanna check into that while dealing with people’s MONEY! Even if it is only a little bit. Lawsuit coming soon if I don’t get an assistance on getting my money back. Period! Sincerely, an unsatisfied, more broke, scammed customer! 😡

Late Review but Much Needed.. Digit has been a part of my financial apps since before quarantine started. But being able to have piece of mind and know that my money is in a safe, secure space is amazing. I dislike the fact that you can’t withdraw same, next-day or weekends without paying a fee so I do suggest the Digit app developers look into it, but other then that: amazing. I’ve had 20+ Digit savings goals open at once, and closed them when they were no longer useful but the app is truly amazing. With the new updated interface allowing me to see my total saved money on the Home Screen is incredible, but I have a few gripes with some of the features: if I have a recurring savings goal, I think I should be able to make that an option and withdraw so my funds are available on the day I need them without many issues. I also think being able to have the ability to hold as much money as I’d like in one Digit account.. because if I have to have multiple it kind of ruins the convenience of the app. I also think that I should be able to set up a set amount the app takes from my account per day, per week or per month, since the amount is variable depending on the goal. Other then that the app has been wonderful, one of the best apps I’ve ever been able to use and it helps me with my financial independence.

Great habit to have when you’re a college student. I’ve been using Digit for a year or so now and I really love it. I have the credit card paying feature on and it’s pretty great. It is like a nice little extra payment to my credit card bills on top of what I already pay. I also love the texts that I get every morning about my account balance because it helps me be more aware of my spending and budget. I love just being able to open the account and be happy that I saved $x without even realizing it. Even if they take little amounts daily, when it accrues, it can be a nice fund to have when you least expect it. I think a lot of these new reviews that give one star are pretty unfair. Most of them seem like communication issues with their bank because I’ve never had much issues. Also, I think $2.99 is fair for the service they do. People can’t expect everything in life to be free. If what you’re saving is not or barely $3 a month, then I think that’s a personal finance issue that you should be focusing on, not the app charging “unfairly” but that’s my opinion. The only thing I would say could use improvement is if they can update my checking account balance closer to real time because sometimes it’s delayed and shows either yesterday’s balance or something.

Kind of sketchy. I had been using this since 2018. At first everything was great. But ever since they started using Plaid to connect the account. (Which as a consumer, I feel they didnt need because everything worked fine before hand) now every other day digit has issues connecting to my bank (which BEFORE plaid it never had an issue.) Ive reached out several times and they obviously dont care because they gave me the "it will fix itself in a few days". Or "you can take all your money out and reset it up" First of all, Its been two weeks and this has not "auto fixed itself" Technology doesnt fix itself sometimes it needs a human touch. And the bank is not s weird off brand either there are so many of them. So they are expecting me to put my life on hold because they decided to fix something that wasn't broke. Customer Service doesnt really care, you are just a number/ email. Which is sad because this use to be such a great tool until plaid came along. Response to the developer: I have no issue taking funds out of my account, that is not the issue so don't try and manipulate the conversation!. This is not a complaint about not accessing funds. This is a complaint about the on going issue that plaid creates while trying to put money into digit. Must I repeat what Ive already said above? I have already heard your unhelpful stock responses you've learned in your training.

Love this app!! BUT please bring back auto pay for credit cards!!!!. I absolutely love this app. I would never been able to save money without it. I have never been good at saving money myself but with the app taking out little bits of money I have been able to save a good amount of money. You can decide if you want to save a little or a lot and it knows if you don’t have very much money & it will only take out under $1. The algorithms are amazing at knowing when you can save more & when you can’t. 🌟The only thing I miss is it had a category to hook up a credit card & it would save every month for a credit card payment & pay whatever it saved to the credit card automatically. THIS WAS AWESOME!!👏 I was really getting my credit card paid down because it!! I know you can create a specific goal of saving to pay off a credit card but it doesn’t seem the same because I have to physically go in and transfer it to my card. I really wish they would bring that back. My brother turned me on to this app & I know he lived using that too. I would even be willing to pay more for that service. Other than that I have NEVER had any problems with not being able to get my money when I needed it, overdrafting my account, or taking more money than what it shows going into my savings goal. They are definitely on the up and up and I highly recommend them and have been using them since FEB 2020.

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My Favorite Savings App. Hello! I have been using digit for around 6 months now. It is my personal favorite savings app. when i had my job before CoViD-19 I saved about 1200 dollars in only a couple of months. It’s savings are the reason I was able to stay on my feet when I had to quit my job. My favorite thing is that you can adjust the amount Digit saves every day and you can also pause savings. I also enjoy that you can have different goals for savings and set a time period for those savings if you’d like. they also have loan repayment saving options and other items as such. Another feature i really enjoy is that Digit will tell me daily (unless it’s the weekend usually) what my bank account is at so i never have to check (i still do once a week to make sure everything looks right) and when my account is too low (a limit you can set) i receive a text message letting me know! Although Digit is not a free app to use the $5 a month subscription is a great value for how much money you save using the app. I have also enjoyed that throughout CoViD-19 they offered to let me keep my subscription for two months free, and then another month free because the company knows it’s a tough time and they only want the best for the people saving money! I don’t ever review apps but here i am and i just want to say thank you to the creators of this app and for allowing me to continue to save during one of the hardest times in my life! 💕

No help and barely saves.. At first I liked the idea of having this app. But now that I want to close out all my savings accounts and get my money back into my checking account, I can’t close my account because the app is “having problems with my account”. Extremely annoying and frustrating because there are never any issues with my account when they’re taking money out of it. Before trying to close my account with them, they take money out and it barely helped save money. It took them a week to save a dollar and some change because it was pending for a week. How is that helpful to saving? And now that I’m done, I’m waiting for my money to be put back into my account and it won’t let me because my saving is still pending. I paused the savings for the fund and I’ve been looking all over for a number to call or an email to contact them to be able to get help because their website doesn’t help at all. I would not recommend this app for the simple fact that it takes so long to save when it claims it saves everyday. Not only that but closing the account is a hassle and time consuming when it should be as easy to close as it is signing up.

Love!! Must download. I honestly love this app!! I didn’t know i needed it until i got it, but i tend to forget about the app and then i go to check my balance and it’s a happy day because i’ve been saving money without even realizing and it comes in handy when i do need it! It adjusts to how much you save everyday based on your checking account balance. I recommend this to any and everybody. No strings attached with this app. And worth the small price you pay. Though it does take a couple days for the money to be transferred, but that’s expected. It actually hits my account sooner than I expect. I’m bad at saving money (lol) and this app helps me so much. And they give you daily text updates on your checking balance. They transfer money if you get low in your checking account to save you from going negative. I trust it, no problems after almost 2 years! It has honestly made my life easier in certain situations. Thank you, Digit! 💯recommend.

I LOVE Digit. I have saved so much money using Digit! I love how it takes the money out of my bank account (because otherwise, if I see the money in my bank I get a false sense of having more spending money than I really do). I love how it splits up my money into different categories and shows a little progress bar for each goal. The 1% bonus every couple of months is great too! My boyfriend was against having a savings app you have to pay for, but especially with the 1% bonus, if you have enough money you aren’t really paying that much. I moved and my address changed so Digit stopped saving for me for security reasons, but customer service was very quick and efficient at fixing my issue. I can’t wait for Digit to allow multiple bank accounts to be linked because it would be amazing to be able to use this app to save together with my boyfriend (we’re getting married in June).

Liars! They no longer give you instant access to your money when you withdraw it.. I really love this app for what it could do. I have been using it for a couple of years. I have made instant withdrawals when needed without issues. Something with this company though has clearly changed because instant no longer means instant. All it takes is one time for them to fail to give me my money when I urgently need it for me to lose trust and faith. I needed to make an instant withdrawal from a couple different buckets of money that I have set up with Digit which you can do with Digit but they charge you a $.99 fee for each withdrawal but your money is immediately placed back into your bank account with no lag time no issues until now! They took my withdrawal fee and the money was not given to my account instantly. I was screwed over. When it comes to peoples money, don’t mess with them like that this is false advertisement. So while I never had an issue with it before, I am not willing to bet or take a chance on this app anymore because when I needed access to MY MONEY in an emergency , my money was not accessible!

Customer Service??. The Customer Service is non-existent! Where do I turn to when I want ALL my money transferred back to MY financial institution NOW?!? Cannot be done. Whom do I turn to if I DO NOT want an automated withdrawal from my Digit account as a deposit into my financial institution monthly? What if I want the funds to STAY in Digits account, first so I don’t touch it & spend it, secondly so I I can watch my Goal of reaching $80,000 towards my first initial down payment, come true? That will NOT happen if Digit just deposits the funds back into my private account monthly?!? I’ll never reach my goal! Is this app just to save money within a months time? If so, why does it let you set up such extravagant financial goals that would take a few years to achieve, depending on many factors of course, I.E. Deposits/ spending habits/ unexpected bills/ etc. All this could be answered, and explained to myself if they just had a customer service phone line, instead of some cheasy “FAQ” page....I just don’t understand??

Money missing. I’ve had such confidence in digit saving me money and being easy to use but Then my one issue I thought could easily be addressed turned into a back and forth with an email system. I tried to connect my student loans to digit as a way to help with interest before I have payments to take care of (based on my income I’m not even required to pay anything right now it’s just accruing interest). The app told me it was linked but the next time I logged in it said no loans were connected. I tried a few more times to link the account and I got frustrated and stopped trying. Next thing I know, the money that was on my goal for student loans ($117) was sent to an account. I don’t know what. It isn’t an account linked with my cards, and it’s definitely not the account with my loan service. I emailed digit multiple times and sent screen shots to show it isn’t an account I am associated with. They kept telling me to wait for it to pend, the money was sent, but not once did any payments get posted to my account. It’s been about a week of me trying to address this issue and I stopped hearing back from digit support. DO NO USE IF YOU CONNECT DIGIT TO ACCOUNTS OTHER THAN CHECKING ACCOUNT. That’s a hundred bucks I could’ve used these holidays or for my ACTUAL loan.

New Update. I have had Digit for quit a while now. I loved it! It has helped me save for many different goals and also helps me save for my mortgage each month. It helps to have an app automatically take little at a time out of my account so that it is not so noticeable. Everything was great and I have suggested this app to many of my friends, but then an update happened. After this last update, digit has said my bank account is at $0.00. Untrue. Bc it says it is at $0, it has deposited all of my rainy day into my account and has stopped saving for my goals. I emailed them and after 2 emails, was told to basically just wait a few days , it has already been a week, or I could unattached my account after I deposit all of the digit goal savings back to my account. To me, that’s basically saying “just delete the app if it’s not working for you”. I don’t want to do that. I want to continue to use Digit. It was a great app before the update. Before now I would have rated it 5 stars, but now I’m giving it 3 stars.

Really it’s Incredible!. I don’t remover when I first heard about Digit, maybe it was a Facebook add or something. But I tried it out I think it was last year. And it was probably the best decision I ever made. I mean this with all honesty that Digit has helped me save money I didn’t know I had. I’m a bartender so I don’t get a lot of money to my account, but when I do, it takes a small percentage out. Sometimes cents on the dollar, about a month goes by and you realized that after buying stuff on your card you now have an extra $50 that you forgot about. This past month (August 2019) I got a few good direct deposit checks, it was a struggle in July. I had to use all of my rainy day money. But without even realizing it I checked it today and Digit has saved me $100 in a single month. So now I don’t have to worry about a bill I was figuring out how to pay for September! So thank you! The $3/month is completely worth it. It’s saved me multiple times!! ❤️❤️❤️❤️

Canceling account is virtually impossible.. Once I realized that the way digit was saving money for me was not conducive to my style I decided to close my account. I went to the website and chose that option, gave made feedback and entered my password. It then returned with a message about being unable to perform this action and re-directed me back to the help page I was initially on. I tried this action again 10 more times, each time yielding the same response. Finally when I got my automated text message of the day I responded to it. I was yet again sent that message. I then used the contact feature on the website where I explained that withholding and individuals ability to cancel their account was illegal as there was nothing in the terms and conditions binding a user to a certain time with the account. My account was then immediately cancelled. Now usually I would give this developer the benefit of the doubt and say the app/website was being difficult but this exact same thing happened to my co-worker. If you want to use digit-great. The app is easy to use and the interface is pleasing but I sincerely hope you never want to cancel your account.

Life Changing 🙌🏼. So I have been trying to save money for a while and could not find a live-able amount to take out of my pay check each month. Also seeing it in my savings account made it too accessible for me not to spend it. The algorithm that digit uses has been a great fit for me. I like that it seems to save money based on my spending habits. So if I spend more it saves less and vice-versa. This has also led me to spend less knowing that the app will in turn save more; like a game. The only small change I would like to see is the ability to set a deadline for a given savings account or “goal”. For example I am going to a bachelorette party at the end of this month and it would have been nice to put a date in there so it would prioritize that savings goal over the others until the deadline or goal is met. But I can just manually add money to that one goal so it’s not a huge issue but something to think about. Overall I will continue to use this app and recommend it to others as I am very happy with it thus far.

NSF Fees. I have received 3 “Non sufficient fund” fees in a week from this app trying to transfer money that I did not have at the time. I have lost more in a week with this app than ive gained in a month. When you open the app it will tell you that it did not save any money for the day because it would cause your account to drop below a “safe” level. THAT IS A LIE! It dropped my account to an unsafe level by causing it to overdraft, which is exactly what it says it does not do. I will be expecting a full refund for the NSF charges it caused me to receive due to the apps unclear objectives and false advertisement. I will also be expecting an explanation in regards to the matter, and what the app will be doing in the future to prevent things like this from happening. Therefore, people will feel safe using the app and I may continuing using it if a permanent solution can be found. And lastly, if the app claims to state that it will refund 2 of your overdraft fees...first of all why only 2? Who set the limit to 2 and what was the thought process there? And if you have to make that a general rule with your app, dont you think you are doing something wrong in the first place...especially with how many people make this same claim with the same problem on a daily basis?

So Easy. My one critique - I wish I could delete my “rainy day” goal when I have other goals going. I just end up putting that money back in my account. Delete or at least re-name it or pause it without pausing all of my goals at the same time. Overall though, I love the app. It saves an appropriate amount depending on how much is in my account, it lets me set an amount that if my account drops below that it won’t save anything, and it lets me connect my credit card and it’ll send my savings from my credit card goal straight to my credit card each month for me. I’ve paid off and extra $500 from my credit card from the Digit app in 6 months and it was just a few dollars here and there that I don’t even notice missing. I also was able to save the money I needed to move to a different state by adding manual savings to their automatic savings. It just makes saving so easy.

It would be good if it worked. 1. How do you actually contact anyone who works there? Because you can’t on the app or the website. Nothing but FAQs that don’t actually address anything about their errors. 2. On two occasions, Digit withdrew the $$ from my Digit credit card account to pay my credit card but didn't. The first time I was notified TEN DAYS after my credit card payment was due. And I have the monthly Digit payment set to be paid one week prior to the CC due date. Fortunately, I make my own payment that more than covers any minimum, so I was not assaulted by an increase in finance charges due to their error. When I responded to their email notifying that the payment was not made, I got nothing but robo-responses. Now it’s happening again: money was taken but payment isn’t processing. So I can’t contact anyone and I can’t get $$ they’ve taken to make payment. Guess I’ll be waiting another ten days after due date for them to return my money and tell me they screwed up. Oops-sorry! I hope no one’s actual credit will be hurt by their inability to make a payment or contact you when errors are made in a timely manner.

Simple, fun savings. I started with Digit using simple text messages back before there were fees, but the accountability with saving is worth the monthly $2.99 to me, plus they pay more interest than a regular savings account - I’ve even gotten to where the interest it pays is more than the fees it charges. The original the text message interface was great, with a daily update on my checking balance and fun GIFs when I hit savings milestones. When I got ready to take a job overseas and leave my US number behind, I downloaded the app. I like that it gives you a little more than the texts could at one glance, yet without cluttering things up. It’s not meant to be a total savings and investment platform or a way to see all my accounts everywhere. It’s a simple way to keep my savings - at the moment, my emergency fund, Christmas fund, and new-phone-someday fund - out of my debit account, yet accessible for easy transfer back to checking if needed.

Awful customer service. When dealing with your money, you want a responsive team. I have waited 3 days and still no response from them. I understand waiting a business day, but three? They only have email as a link of contact, you can’t even message them on Facebook or twitter. They have no phone number to call, live chat, etc. I’m a very understanding person, however waiting days on end when you’re trusting a company with your money is just completely unreasonable. I love the concept, dislike the company. Would recommend looking elsewhere for a more reliable service! Hopefully get my $340 back that’s stuck in this app because no one will help me figure it out. Update: they helped resolve the issue. There is room for improvement. However, I think they do strive to resolve issues as soon as they are capable even if it isn’t what is ideal. Early businesses deserve opportunities to improve which is why I improved my review from a 1 to a 4 star.

Fantastic service, terrible ads. I have been using digit for well over a year, and as an 19 year old who has never been particularly financially literate or good at saving, it has helped me save over $2500. The concept is great and, as noted in other reviews, I rarely even notice the money going out of my account. It is a great place to store a “rainy day” fund or to quickly save up money for bigger goals. Savings bonuses, credit card and student loan savings options, and overdraft protection are great perks! I really can’t say enough good things about Digit as a concept. It is very helpful for saving money mindlessly. By using it in conjunction with Acorns, I have been able to sustain both long-term and short-term savings. Now, here is my qualm that is rather insignificant to the performance of the app itself, but notable still. The advertising is terrible. It makes the app seem sketchy when it really isn’t. They need to start investing in advertising that establishes them as a legitimate company instead of making it look like a scam! Nonetheless, five stars.

Becoming unhappy. I have been a Digit user for a number of years. I have always loved that every year things seem to get better and better. They offer more, and there is more flexibility. So when I was told the price was going up, I had no problem with that because it’s totally worth it. Only now, all the extras that I was given, that justified the price increase, are no longer available. The ability to set the goals to automatically pay my credit cards, and phone bills, are no longer available. I assumed at first it was just a glitch in the app. So I’ve troubleshooted like crazy. Deleted, and then redownloaded the app. Checked all my settings, made sure my phone software was up to date, but still nothing. Those goals were great for me, as I am a person that always forgets due dates, and if I have autopay I usually run into an issue of not having the funds because I am not great at saving, which is the reason I love digit. At this time, I am not sure if just the savings justifies the money charge anymore. I may need to move on to another app.

Spending $60 a year actually helping you out?. Spent a few days with the app and just from my experience, I am constantly looking at my bank account. As you open up the app, you are greeted with a beautiful display which I personally love. However, it takes a few days for your money to be taken out of you bank account. Creates a feeling that you have more money than you actually do and the interest isn’t so great either. Keeping over $10k in my discover savings account has grown significantly with the interest, can’t even compare any savings account with Digit (.5%). But my main frustration is the $5 fee. Having someone else manage your money for $5 over a period of a month which equates to $600 in 10 years. Unless you can careless where your money goes, that additional $600 could have grown close to $1k in a period of 10 years. My point is it would be nice to be organized and have multiple savings goals in one savings account, but in the end it is just going to hurt you because you will never be “capable” of taking care of your finances as well as teaching your children the proper way of saving up for retirement or an emergency fund.

Such a great app, I never do reviews but I felt compelled to. I honestly never write reviews on apps simply because I just don’t want to nor feel compelled to. But this app by far is one of my FAVORITE on my phone right now. I’ve always struggled with saving money and this app helps me put money aside. First off, I love the everyday text of my bank balance. It keeps me informed and conscious of my spending without me checking my bank app all the time. The app is also aware of upcoming bills and expenses, so it knows when to NOT take my money...unlike apps I used in the past *cough cough* Qapital..Secondly, I was able to set a cap amount to take out of my account to save per day so it doesn’t take my money in bulk. Even with the cap, it takes out the money in small increments to where I don’t even notice myself Saving money. It’s been a month or so using this app and I’ve save over $100+ dollar towards travel and my rainy day fund. Best app by far for beginner savers like myself💕💕💕

Unexpected save!. So I wanted to try out digit sometime last September but noticed that it was taking too much out of my account (which really made me worried) so I decided to drop it. I went and “disabled” my account not knowing that I didn’t completely remove it and stop it from taking a little bit of money from my checking account. Well, 4 months later I got a new job and was making a bit more to be comfortable with my income. So I was like, “eh, what the heck, let’s see if Digit won’t run my budget dry this time.” So went back, logged in, and found a cool $400 saved up from when I thought I was totally over Digit. But I gotta say, I didn’t do any sudden splurge when I found out I had that saved! Digit is really helping me now in setting my goals for what I really need to save up for. Me and my girl are looking to get serious and so I set a goal for a promise ring and it’s really been helping me towards that. I didn’t know before that you could set a limit to how much Digit can take and I’m glad I know it now. Thanks a whole lot Digit!

BEWARE: loved it at first, then started stealing money?. I loved this app in the beginning! Had it for a little over a month, was saving a bunch of money and was very easy to use. I especially love that it would text me my acct balance every day. ..... but then I realized I wasn’t getting my daily text messages! So I went to the app, everything looked normal at first, it’s just said it “couldn’t save anything today” with fear of my acct getting too low. (Which doesn’t really make sense bc my low balance protection was to not go below $100, and I had over $200 in the bank.) BUT when I went to my bank app to see what was going on, I noticed some charges that were being taken out of my bank acct., but we’re never saved to my Digit acct. Of course I tried contacting Digit, I emailed, opened a case/got a ticket number, even went to the company’s twitter page pleading for help as to where my money was going. No response. EVER. Two separate charges were taken out of my bank acct and never put into a digit acct, over $40. After the lack of customer service and no clue how to recover this mysterious missing money, no way I’m using this app again. I am going to try and dispute the missing charges with my bank and see what happens from there.

I’ve never had a problem.. I see other reviews saying they’ve had digit over draft even when they had over draft protection. I have never had this problem! Digit has helped me save a great deal of money with the savings account I set up on there. I have a regular job and then do side jobs here and there so everything I make from the side jobs goes straight to my savings account on my regular bank and digit saves money in a separate account. They’ve never over drafted or anything like that. The money in the savings account saves slower than the rainy day sometimes but I think it’s in the algorithm. If you use digit. Plz do not set your overdraft danger zone on 0$. Try to never let your account get below 100$,200$ and so on. I never let my account go below 1000$. But I set my digit to not withdraw anymore after 800$. And it’s gotten below 800 maybe twice since I’ve had it and never had one problem! Great app if you want to save on a down payment or aren’t the best at saving money.

Would have been 5 stars until they changed saving for goals. App is great for simple day-to-day saving but not good if you have a goal to save for. You can set up goals to save towards specific things and I loved how they USED to save for goals - would have given 5 stars if they didn’t change it. You would put in an amount and a date and Digit would algorithmically save based on the date and amount; it was aggressive but based on your spending and the goal. I was on track to save all the money we needed for a down payment to a house. Within the last month, they changed how goals work. They are no longer based on an amount and date, they are saving with the same algorithm and pace of the regular day-to-day saving. Yes it is great that money is going towards the saving but it is no longer “saving money without thinking about it”. I have to figure out how much to save per week/month to meet the goal. Would love it if they added this functionality back in. If people didn’t like how aggressive the goals saved, give them an option to determine how it works for what they need.

Sigh…. SIX years later and I’m pulling the plug. Alright, so before I begin, I’ve saved 20k in total over the span of 6 years with digit. I loved the app. It helped me through years of making no money and allocating funds to where I could still afford Christmas gifts through goals, making only 30k a year. It helped me through COVID when I was laid off. It helped me save. But now, it’s come to an end. Thanks to their update two weeks ago, it’s connected to my bank account and says $0 even though it’s wrong. I connected their support, they did nothing. I waited like they said, nothing changed. I even deleted the app, reinstalled, nothing. And finally I removed my bank account, reconnected it and once more it said I had nothing in my account with my bank. I am SO disappointed that after 6 years with the best saving app I could find, my bank account is clearly not compatible anymore. I hope they do another update because I don’t want to switch apps, but it’s obvious that when you face a problem with the app, the only response from their IT support is to wait for it to “fix” itself.

Sketchy. I had high expectations for this app based on the functionality and reviews. However my experience has been horrible. After creating an account I decide to deposit 1k into my account to get things started. The next day or so I try to log back into the app but get an error. I use a password manager so I know the credentials are correct. So I then attempt to reset my password but it says no account with that email is found. Then I try typing in my password one character at a time and then I get locked out! I check my bank and the funds have been deposited into the account that I’m now locked out of. I reach out to customer support and they reply back asking for paperwork for verification so I send them over. They reply back with zero urgency saying they will get back to me. It’s been days after and zero update from them. I’m disappointed because I really wanted to like this app. The experience has been frustrating to say the least. The money I need to pay my bills is stuck in this account that I’m locked out of. I’m just praying someone gets back to me and fixes this issue so i can pay my bills.

Paying for nothing. My bank account information kept needing updated in Digit. I went through the process several times. It was a little frustrating but no big deal. Then it happened again. I followed the steps repeatedly but would be directed to log into my bank to solve the problem. There was no way in my online account to solve the problem. I talked to my bank and they said Digit had to fix it. I reached out to Digit customer service, which wasn’t easy. I eventually received an email back stating the issue was with Digit. There wasn’t anything they could do because “some banks just don’t get the attention” to solve the issue. The only resolution offered was to close my account. I paid $5 for months with zero return on that investment. It’s fixed for now but it would be nice to have all the fees for all the wasted months added to my account since I wasn’t getting what I was paying for.

App is horrible.. This app is no good. I am a college student looking for an app that will help me manage my finances to save up money. At first this app did not even connect to my bank. After several times trying and many days later it finally connects. Not once did I get a notification that it was going to take money out of my account. I looked on my bank statement at the end of the month and this app took $9.78 out of my account. This might not seem like a lot, but for someone who does not make a lot of money and has a ton of bills and student loans to pay for, I have to use every penny I get. Once I noticed this I tried to log back into the app. NOTHING! This app will not let me login. I have tried to do the password reset and when I do that I either get a message that says that an email was sent to reset (I never got any email) or I would get an error message saying to refresh the page. I have tried multiple times to try and contact the help team and I have gotten nothing back. I am very disappointed and if I could go back in time I would NEVER have downloaded this app. Make sure you read reviews on apps like this because after reading other reviews I see others are having the same problem. Figure it out.

They don’t want you to disconnect your account.. When you want to disconnect your bank account they tell you that all funds will be returned to your account but, they do not let that function work. I had to contact customer service more than 7 times to get it to work. They want you to quit trying so they keep the money or; I assume, drag it out till the next 5.00 monthly payment. Which I was also was not notified of up front as it is in the description in the app store hidden. This is a thieving app. I get it save money sure 5.00 bucks a month but dont stop me from disconnecting my personal bank account when I want. Extremely unprofessional and disrespectful on the customers behalf. After I did successfully disconnect it i was kicked out of my account and was not able to access it without connecting an account so, I was not able to log out and get rid my account and possibly the 5.00 subscription while they have my account number/information. When you have a account connected of course their was an option to destroy the account with your bank account locked in. I then called my bank to block any access they had. Im less than 20 years old and fell for it. Predatory app.

Digit is great!!. I have never been good at saving until I found Digit! Now I am saving buckets of money and I never miss it! I don’t know how they know when and how much to take out but it never takes out too much. If my account gets low, nothing is taken out. I never even think about it. I check my balance once in a while and I’m agog at how much I have! I have been trying to get my apartment painted for 3 years but never had enough money to hire anyone. Well, last month I had more than enough in my Digit account to get it painted...finally!! If you are going to use this as a last minute save from overdraft charges (which is not Digit’s fault) or you need the money instantly, you probably should just save with your bank. It will take the usual 24 hrs for the transfer just like any other money transfer between banks. Otherwise, this is just the best savings app ever!! Thanks, Digit for taking the burden of saving for me!! Splendid job!!!

Love this app ❤️. I really appreciate Digit’s approach to handling your finances and financial boundaries. I first heard about it from a coworker in 2018 and have been using it (actively and inactively) since! You receive nearly daily updates on your current bank account balance, how much digit has saved for you for the day and alerts on when your account goes below your specified minimal balance limit. I’ve even replied to the texts digit sends you and they have some cute automated responses ❤️. I’ve never had any issues with this app! Even when I lost access to a couple phones, the second I logged back into digit, the money I accumulated was still waiting for me. As stated before, you can inactively use the app while it saves a percent of what you spend throughout the day across all savings goals you have. I truly can’t rave enough about this app!! I’m sure there’s plenty of other great options, but if you’re looking for a reliable, fun, and easy-to-use savings app this is the one for you!

Literally won’t let me close my account. So, I’ve had digit for myself for a few years, and LOVED it. It really helped me get a hold of my finances and save money. I just got married this summer, and since we are both doing well with money, and I’ll be switching to a new bank, it was time to close my account with Digit, not because it was bad, I just don’t need it anymore. I have been trying to close my account for 2 months now. Every single time I try to do it on the app, I get to the final step where I can officially close the account, and the app crashes, every. single. time. When I open it back up, it’s like I didn’t try to do anything! This has been going on for a long time, and It’s starting to feel like a trap. I was able to pause savings on everything, so it doesn’t look like it’s still taking money out and saving, but the app won’t let me close my account and just crashes every time. I do like this app, so this is upsetting to me. I know it’s not a problem with my phone, because this doesn’t happen with any other app. But it literally won’t let me delete My account, so that’s why it’s rated low. I don’t want anyone else to run into this.

You guys did well.. This app helped me saved my money throughout my months or a year of using this app. I never got to express why I left and closed my account to digit so might as well. But to make it short I left just because of that fee. For the people that can afford to pay the fee for a month and need this app to save then this is really great for you to start so you can learn to save. You’ll get to save money you didn’t even know you could’ve saved with a few cents and get a one percent interest to increase that savings even more. But if you’re someone like me that knows how to save money you know that this isn’t much as you can do other things to save money with much higher interest. Digit I hope you do well and develop more of your app to justify that 5 dollar fee and become a new competitor to the Acorn app. Who knows maybe I’ll come back to digit and see the new development you guys have been doing. I wish for the better for this app potential to go even further beyond.

Where’s my money?!?. I set up a transfer from an external bank (this was money I needed to pay rent) however digit declined the transaction and now the money isn’t in the originating bank nor is it in digit. I imagine it should’ve just bounced back to the originating bank, but this hasn’t happened. I have contacted customer support and I still haven’t had a resolution to this. This was clearly an error by Digit and they have yet to make it right. I also have no way of looking up the history for this transaction because digit doesn’t show those having been tried with my account. Whether it was over the phone or via email I still haven’t gotten a straight answer as to where my money is and not a single person with digit was able to forward me a copy of my current statements showing the denied transaction. The level of transparency leaves a lot to be desired and I'm stuck here waiting to find out where my money has been lost to. This has been a huge nightmare, not sure I’ll be returning to digit after this whole ordeal because it’s clear the reliability isn’t there when there’s some sort of error (technical or otherwise).

Been here since the start!. Hello, I’ve been using Digit since it first started. Way before it even charged a monthly fee. At one point, I had to cancel my subscription only because I wasn’t even earning much to begin with. As soon as I got paid, everything would go straight to my bills. Anyways, this app helped me a lot when I first started; before the monthly. Now fast forward to the last few months, and I decided to hop on board again. It looks like everything is still the same as to when I left. An app costs money to develop and maintain, and frankly, $3 is a really small fee to pay for such a smart idea that these developers have made. Now with the added feature of DigitPay, I can see why it become such a powerhouse money saving app. I’m no good at saving money, and heck, it’s not as if I earn so much either, but I like how smartly Digit saves just the right amount of money. Not always big amounts, but the tidbits that it gets here and there do add up. Overall, this app is really great for what it is. I’m going to stick with my 5 star review, but just a quick word of advice to the developers: you guys should have a customer support that we can contact you guys aside from an email. I haven’t had any problems whatsoever with this app, but if I ever do (which I hope not), I would like to have a number that I can call. Other than that, keep up the great work!

Digit is your guardian angel!!!. I first started using digit a few years ago when I was in my early twenties and wanted to save to travel. I wasn’t great at saving and I loved the idea of “accidental savings” where I didn’t have to work to save, it just happened a little bit at a time in small amounts I didn’t even notice leaving my checking account. Fast forward a while later, I had met someone while traveling and we began dating - a few years later the relationship hit the fan and I needed to move out ASAP. I didn’t have the money to get my own place and we were on an island where I had no friends or family. I randomly looked on my digit app at my “rainy day savings” and I had saved over $5000! THANK YOU SO MUCH to the developers of this app who helped me create a safety net and get myself out of a bad situation. I further went on to move into a beautiful apartment on the beach in Hawaii and my life really took off in a healthy direction after that. I can’t say enough good things about this app!!!

It’s good but no.... Okay. I had this App for a few months. And I love that it texts me and lets me know my daily amount but I just now noticed some weird money transfers from the app itself Saying that “digit” took out this ___ amount out. Which makes me think... for this app now they have my account. They are taking some money out.... like they notify me that money was taken out but wouldn’t tell me from where. So I went to my bank account to see why I got like a dollar here and there that was taken out. Like it’s not a big amount which is fine. But they fact they are taking any without me really know unless I check my account. It’s not so great.... like because of it. I’m thinking on deleting and taking digit out of my bank account if they continue this.... because I don’t like that they are taking money from my account. I understand you pay for service and pay for stuff on the app for more access (other apps) but when they don’t say that option and they just do it.... I’m not happy with that.

First time in my life I am able to save. I LOVE this app! I have always struggled to save money because of my shopping habits. My goal for 3 years has been to have a $1,000 rainy day fund. Seems simple right? Well, Not when you have a big shopping addiction. Since I downloaded this app I was able to not only save the $1000 but also save up enough for a bachelorette party and my car insurance in only 3 months! I do like how it gradually puts money away but the thing that really helps is the ability to visualize how much you have saved and how much you have left to save. Now when I get my paycheck I instantly put away a lot more. I’m still working on not having spending binges but I think with the help of this app I am more committed to saving and visualizing my goals. Another thing I love is the overdraft protection. I’m making it a habit to put the money back and a little extra each time I use the overdraft.

I miss the old format!. Digit was so convenient because of it’s simplicity. I could set a goal and watch the savings add up right on time for the goal set date and spend money worry free and that was a service I had absolutely no problem paying for but that just isn’t the case anymore. The app just completely erased everything from my homepage so now I have to re-enter my savings goals and bills but it almost doesn’t even matter since my savings goals had basically no money in them even with the due date approaching very soon. I don’t understand why my rainy day is completely empty when it shouldn’t even be touched but the app pulls from it to keep the spending and bills balance afloat. Just PULL IT FROM MY BANK ACCOUNT. It’s almost as if they’re forcing you to use them as your primary banking service so that the flow of the app will make sense but I don’t care to do that. I just want them to put aside the money I need so that it’s one less thing for me to worry about. I absolutely LOVED digit but I don’t think i’m going to keep Oportun which is incredibly unfortunate.

NOT WORTH IT.. I started using the app in hopes of helping me start saving every paycheck or so. Everytime I put some money in to digit it always takes more than the allotted time (they give you an estimate of when the money will be fully transferred and you can instant transfer money from there if needed) it’s currently 7 days from the day I requested to put money in to an account I made with digit, the money have yet to arrived into that SAID account and now I’m $-68 dollars on my bank account?!?!?! Either work on getting up to speed with everything or give more appropriate estimate waiting time for people. If you really want to start saving seriously opt out of digit and talk to your individual banks, they can probably help you open saving accounts and WONT take random money away from you or keep money pending and out of your reach for long periods of time, like this app.

SCAM! LIES!. I am not only giving one to start to this app but I am going to sue them because they are doing things really really wrong!!! first of all They offer $100 if you refer five friends which is not true, they are going to give you five and then five to Each friend. So they are using the big $100 to get more people and then lie to them!!! but this is not all, the worst thing is that they take out money from your account without your permission!!! I have used a lot of banking apps before and none of them take money from my account without my permission... when I linked my bank account with digit they took $6.5!!! They put them in a “rainy days account” but I didn’t authorize that transaction!! this is the stealing!! and I am not only going to give them one star but I am going to sue them because they steal money, I read comments from other people saying that this is good for them because they don’t have to do nothing only wait for digit to take out money from their account but that is not for me... I need to authorize every single dollar that comes out from my account and this app doesn’t provide that service they take out the money without your permission

An amazing app, service, and experience!. My friend told me about Digit and how much she loved it. I decided, “let me try this...” Now, I tell all of my friends and family to get the app. With just a few steps to set up, like linking accounts and setting saving preferences, the app is extremely simple and easy to use. The interface is lightweight and effortless. The true value, however, lies in the money management aspect of it. This app has given me better insight into my own finances and has allowed me to achieve the next level of financial stability. Digit gives me daily text updates of my checking balance, calling into consciousness my personal budget without having to open the app; saves automatically for multiple financial goals (rainy day fund, rent, emergency fund, etc); and has made payments to my credit card automatically, lowering my credit card debt and boosting my credit score! The overdraft protection feature has saved me money in overdraft fees by automatically placing money in my account when a lower limit is reached. I recommend this app to everyone because it has truly helped me get a better handle on my finances and makes saving money effortless, for each of my different needs. And, I know that I can always shift my money back if I need the cash immediately. Set up the app, forget about it for a while, and see how much you can save without any concern or effort!

Great Easy Way to Save!. I have been using this app only a few months. I actually do live paycheck to paycheck and this has helped enormously! It’s hard for me to save big chunks into an account. With this, I have paid down my credit card and used it for bills and other unknown expenses. It saves without me having to worry about saving! This is why I like it: 1.) It really does help a person who can’t save much, as it analyzes your account to determine what is appropriate. So if it sees you have bills coming up it takes out less. 2.) That extra $5 a day really makes a difference a few weeks down the line! I have saved sometimes $200 in like two weeks that I maybe would have otherwise spent on little insignificant things. And it comes at just the right time. 3.) You can always pause it if you feel you can’t save, and set a limit. Say you don’t want your checking account to go below $100, then it won’t take anything out if it sees it’s at this amount. 4.) Easy to withdraw. Has instant option. And you can always get the $ back if you feel it took out too much. 5.) So easy to use. Just set it up and it does the work. Plus extra 1% savings every few months! 6.) Nice balance/saving notifications to keep me informed on my account + savings Just love it! Whether it’s a small goal or a big one this WILL help. Definitely recommend :)

Best Mindless Saving. I have been using Digit(Oportun) for years now. I haven’t had much experience with other money saving applications, but I haven’t needed too look any further. Oportun has been incredibly helpful at intelligently helping me save money. It is easy to mindlessly spend money, not understand how much your draining your bank, and Oportun does the same thing but SAVES it. A little bit here and there, and I don’t even notice it’s gone from my account. Then, I get to see my savings grow over a couple months, it’s a great feeling. I have also created a savings for my car maintenance which has come in handy multiple times. The only reason I didn’t give it five stars is because I got locked out of my account and it was a painful experience trying to get back into it. I mean, when you have a lot of money saved up and you are blocked from it, I need to talk to someone. Customer support needs a little work.

Feeling frustrated. I had originally given this app 5 stars and absolutely loved it. But at the beginning of November it stopped saving for me and now every day just gives me an error message saying that it is having troubles connecting to my bank. I have emailed support a few times but it still hasn’t been resolved. I’m really disappointed because I loved the connivence of it saving money for me and it was really easy to use. I feel like a month is ample time for the company to figure out how to rectify the error. I’m sad to say that if it’s not resolved soon I’m going to cancel my account. I love using this app. It has done a fantastic job of saving me money with out me even noticing that it’s been taken out of my account. I haven’t once felt nervous at all that it might withdraw money when I have upcoming bills. I have told all of my friends about it and have been able to show them just how great it has worked for me. I like that I can also chose to have it save money even on days that it doesn’t automatically save.

Used to be great.. now 0. I started using this app back in March (2017). It was successfully saving me money several times throughout the week and I was LOVING it! Then by the end of August, something changed and I have saved 0.00 since then (over 9 weeks ago). I reached out to the people at Digit who just told me “something changed with your bank, and we’re working on it... but can’t tell you when it will work again”. So here I am, 2+ months later (I have since transferred all of my funds to my bank from the app) with still nothing else saved/improved, and all the while still being charged the monthly 2.99 fee (with no problem) from same bank. Frustrating doesn’t even begin to describe it. I absolutely LOVED this app before, and would recommend it to everyone. Now, sadly, it seems unless you bank with one of the major banks (BoA, Chase, WellsFargo), then you can expect for it to stop working.

Great- but not a fix all. I’m a firm believer in this app. I like that it’s so easy to see your goals (and therefor much easier to achieve them). If you’re like me, however, if you have money in your bank account, you’re more willing to spend it. I downloaded this app so I can transfer all my money to a third party and have access to it when I need it. This is where the kicker comes in: it takes up to three (business) days to transfer money from your bank account to the app. So if I manually save most of my paycheck on Friday or Saturday, it typically doesn’t actually go through until the following Wednesday. In the meantime, digit will automatically start saving for you as if you were to keep that whole paycheck and not save it anyway. When that paycheck does clear on Wednesday, your bank account is overdraft. Digit claims to cover your overdraft fees, but they don’t actually cover manual saves, just ones caused by automatic savings. Ok- so you know you’re going to overdraft, why not just cancel your manual save? You can’t. You can only transfer from other goals you’ve saved to previously and hope it clears before you’re hit with a fee.

Great customer service, useful app.. I know digit is still figuring out how to make their algorithms better, but in that process I incurred an overdraft fee of $72 from my bank. I emailed digit in the morning and within a few hours got a response with them reassuring me they would reimburse me. The situation was super annoying but honestly I had everything resolved that same evening because of how fast they respond. On top of that, digit seemed to learn from the mistake and offered me a way to prevent this from happening again. All in all while the situation may have been annoying, digits customer service handled it extremely well. I’ve also noticed that just within a week of using the app I was able to save more than I would normally save (without spending) in a month. I think this app has a lot of potential to be really awesome once they work out the glitches, so I’m sticking with them. I’d definitely recommend anyone on the fence about it at least give it a try for your free trial period and then decide.

Withdrawal. I've had digit for over 2 yrs and I loved it at first one of my biggest issues is the withdrawing of high amounts. I was under the impression it would only be withdrawing a little here and there. Although it hasn't made me overdraft, this is very frustrating. I don't always have lots of extra funds to be giving up. During tax season I have large amounts of money in my checking account and digit started withdrawing $58+ for days at a time. I don't understand how digit claims that they're going by your spending habits and like I said before I don't normally carry a large balance. I have previously set my account to the not save aggressively feature and it wasn't honored. Although I will continue to use the app I'm disappointed to constantly read in your responses to us customers that you will look into these concerns. What's to look into when these issues were assured not to happen and/ or terms of the agreement.

Thanks Digit!. The app itself has saved me over $ 1,450 since I started in the beginning of December. I honestly didn't think i could save so much money on my own in a couple of months. I do not regret downloading this app because now I have funds and have enough to spend on things I've always wanted and needed. The pros, you can withdraw anytime no penalties, you can pause anytime for whatever reason, because at some point i was at 0.10 cents in my account. You set goals and it takes the funds for you. You don't have to worry about going in the negatives. The cons, you used to be able to set a specific date on when you want to reach a goal, now you can't I'm not sure why. Sometimes it saves more than what you expect it to save. And when you withdraw, it's not instant. You have to wait a few business days. I don't mind the 2.99 a month after three months. Because within those three month, Digit has saved me a lot. So thank you.

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Oportun - Save, borrow, budget 4.70.0 Tips, Tricks, Cheats and Rules

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Language English
Price Free
Adult Rating 4+ years and older
Current Version 4.70.0
Play Store co.digit.digit
Compatibility iOS 11.0 or later

Oportun - Save, borrow, budget (Versiyon 4.70.0) Install & Download

The application Oportun - Save, borrow, budget was published in the category Finance on 08 March 2016, Tuesday and was developed by Oportun, Inc [Developer ID: 1596442581]. This program file size is 196.93 MB. This app has been rated by 282,941 users and has a rating of 4.7 out of 5. Oportun - Save, borrow, budget - Finance app posted on 13 March 2024, Wednesday current version is 4.70.0 and works well on iOS 11.0 and higher versions. Google Play ID: co.digit.digit. Languages supported by the app:

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Oportun - Save, borrow, budget App Customer Service, Editor Notes:

This release contains bug fixes and improved reliability of other features in the application. Our backend card provisioning and verification services are provided through Galileo, which has an existing partnership with Apple. Passkit functionality is used to allow users to add the credit card that comes with our spending functionality to apple wallet.

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