Digit: Save Money & Invest Reviews

Digit: Save Money & Invest Reviews

Published by on 2021-11-16

Digit helps you get results and reach your financial goals effortlessly. Our
personalized approach helps you save for your goals and invest for the future -
so you don't have to think about it. Healthy money, happy mind. THE PERFECT
AMOUNT, EVERY DAY Digit analyzes your income and expe...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

Digit: Save Money & Invest Reviews

  • By

    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!

  • By

    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.

  • By

    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!

  • By

    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!

  • By

    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.

  • By

    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 <digit website>”. Literally theft. Don’t waste your time or money on this app!

  • By

    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.

  • By

    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.

  • By

    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.

  • By


    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.

  • By

    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

  • By

    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

  • By

    Updated: update and upgrade

    So I’ve actually been using digit fo a couple of years now it’s really great and after I got used to the 2.99 charge (was kinda upset about it at first) I realized it’s helped me save way more money than its ever taken out. That being said I wish they would update the app to accommodate for monthly goals. Like a recurring monthly goal. Let’s say rent, or a subscription service if that’s what you do that way you don’t have to continue recreating the goals or something. Digit has definitely been a life saver for me. I now have that extra cushion in case something goes wrong. Please update the app a little tho thank ! -------------------------------------------I honestly love this app! ❤️It's super convenient i save really easy. I'm always so surprised when I look at my how much digit has saved for me. I don't even realize how much is actually taken out of my checking until I look. I can save for goals. Which just gives me that added incentive to transfer that extra $10 just because I can. Plus I can change my settings so that digit doesn't take out money from my bank if it's at a certain amount, which I love and so I know I won't be over drawn 😁😁😁 BEST APP! 🤑

  • By

    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!!!

  • By

    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.

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Is Digit: Save Money & Invest Safe?

Yes. Digit: Save Money & Invest is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 257,199 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.7/5 . Justuseapp Safety Score for Digit: Save Money & Invest Is 30.0/100.

Is Digit: Save Money & Invest Legit?

Yes. Digit: Save Money & Invest is legit, but not 100% legit to us. This conclusion was arrived at by running over 257,199 Digit: Save Money & Invest User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Digit: Save Money & Invest Is 30.0/100.

Is Digit: Save Money & Invest not working?

Digit: Save Money & Invest works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Have a Problem with Digit: Save Money & Invest? Report Issue

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Why should I report an Issue with Digit: Save Money & Invest?

  1. Pulling issues faced by users like you is a good way to draw attention of Digit: Save Money & Invest to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Digit: Save Money & Invest customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Digit: Save Money & Invest.

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