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.
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.
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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 It lets you know how much was withdrawn or deposited into your account within 24 hours through text message.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.
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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.
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.
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Response from developer
Hi there ,thanks for the kind words! We're so happy to hear that Digit is helping you on your savings journey. I've gone ahead and passed this feedback on to the rest of our team. We've seen this suggestion a few times, and it does fit inline with some what we see Digit evolving into down the line. The good news is, we are currently making revamps to many facets of Digit, so hopefully that feature or something similar gets rolled out in the near future!
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!!!
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!!!
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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.
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.
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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.
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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. :(
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Response from developer
Thanks for taking the time to write a review, sorry to hear about the trouble you’ve had. In regards to the separate debits you’re seeing on your checking account, Digit will create separate savings for the credit card goal you have set up. This will usually say “xfer” in the description on your checking account. If you have any other questions or concerns about the debits you’re seeing, feel free to reach out to https://help.digit.co/ and we’d be happy to take a look into that, as well as any credit card payment that you need help locating. We look forward to hearing from you.
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.
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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.
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.
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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.
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