taking $300-$600 out a month
i have used digit (oportun) since 2018. when i first used it i was super broke and it helped so much. it wouldn’t save too much that it hurt me but enough where i met my goals. id have anywhere from $1,000-$3,000 in it!
now im much older and i make more money. ive always had a savings through my bank and used digit for small random goals (christmas presents, tattoos) the past 2 months oportun has taken up to $600!!!!! a month out. we’re talking $20 DAILY. this is insanity. yes, i’ve had to set daily max goals. but i have about 6 goals. so now they take $6 a day out. that’s still almost $200 a month. i DONT need that much taken out. before the buy out, it would take the amount out every few days, maybe once a week. now it’s DAILY??? every single day i wake up to a charge. there’s no way to set an overall daily/weekly/monthly. you can’t see what u previously have set as ur daily goal, u have to reset it every time. this is such an incredibly huge over sight i can’t help to think that it’s intentional.
digit has helped me save for so much stuff. i’ve reached so many goals with it. i love that it’s out of sight out of mine. ive been using it since i was 19. im going to have to learn how to budget without it at this point. id be fine putting only $100-$150 a month in but im unable to actually set it correctly. i’m disappointed. anytime an app you love is bought out, just start looking for a replacement. i’m switching to rocket money soon. rip :(
now im much older and i make more money. ive always had a savings through my bank and used digit for small random goals (christmas presents, tattoos) the past 2 months oportun has taken up to $600!!!!! a month out. we’re talking $20 DAILY. this is insanity. yes, i’ve had to set daily max goals. but i have about 6 goals. so now they take $6 a day out. that’s still almost $200 a month. i DONT need that much taken out. before the buy out, it would take the amount out every few days, maybe once a week. now it’s DAILY??? every single day i wake up to a charge. there’s no way to set an overall daily/weekly/monthly. you can’t see what u previously have set as ur daily goal, u have to reset it every time. this is such an incredibly huge over sight i can’t help to think that it’s intentional.
digit has helped me save for so much stuff. i’ve reached so many goals with it. i love that it’s out of sight out of mine. ive been using it since i was 19. im going to have to learn how to budget without it at this point. id be fine putting only $100-$150 a month in but im unable to actually set it correctly. i’m disappointed. anytime an app you love is bought out, just start looking for a replacement. i’m switching to rocket money soon. rip :(
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Response from developer
Hi there, I do apologize for any issues here! Please email us at help@digit.co and we can take a closer look for you. Thank you and talk to you soon!
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.
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.
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Response from developer
We are sorry to hear that you are experiencing this type of inconvenience, this is not the service we want to provide. Please contact us at help@oportun.com and we will gladly follow up on your case.
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.
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Response from developer
Hi there, I am so sorry if Oportun has not been able to help you save enough recently. I totally understand how concerning this could be. Please send over an email to help@oportun.com and we can take a more closer look at your account for you. Thank you and talk to you soon!
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 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.
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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.
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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!
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!
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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.
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.
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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.
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Response from developer
Thanks for the review Jecka! We're so happy to hear you saved almost $800 without noticing it, how incredible is that? You've totally made our day :)
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.
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Response from developer
Hi there, I do apologize if Digit was something not useful for you at this time. Just to explain a bit, there are 4 main things that influence Digit's savings algorithm, and Digit uses that to determine when and how much to save for you on different days. Hopefully this clears up any confusion and again, I apologize if you ran into any issues
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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Response from developer
We're so happy to hear this! If you really miss our bill-paying feature please check out Direct, our intelligent checking account here https://waitlist.digit.co/ and learn more about how paying bills works here: https://digitdirect.zendesk.com/hc/en-us/categories/360005537751-Paying-bills-with-your-Direct-account. Thank you again and Please let us know if there is anything else we can assist you with!
