It’s good but imports are unable to read.
When your bank preferences every debit with “purchase approved” I’m unable to see who the merchant is to be able to quickly skip it or like it. This should be improved. I’m sure every bank is similar in doing this too and the $1.00 fee is a turnoff. Increase your subscription cost to cover the fee. Don’t take it out of the spare change.
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The app is unusable unless you rate it.
I’m fairly certain this is against Apple’s Developer Program License Agreement. The app refuses to function unless you leave a rating for it in the App Store. It will not proceed past the initial walkthrough until it sees that you have left a rating. Most apps encourage you to leave a rating, and as such they also encourage you to leave five stars, but seeing as this app does that before even letting you try it, I feel that this is completely disingenuous and unethical. It causes the app’s overall rating on the App Store to be artificially inflated and is spam-like behavior used to create fake “trust”. For this reason alone I am rating 1 star, but the 1-star reviews left by other users are also notable and affirm my decision.
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The greatest payoff tool
I found ditch through a Facebook add & the entire principle is great, for every single debit card transaction from a coffee to Amazon to getting gas that goes through my card the rounding up to the nearest $1 gets placed into my ditch account and it is automatically sent after a certain dollar amount $30 is sent as payment to whichever credit bill or loan that I need to payoff. This has already been saving me the no stress option to not have to worry about generalized payback payments by me whenever I have a few bucks extra.
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Not compatible
Would have loved to use this app one star because I’m disappointed that none of my accounts can link because they’re not eligible to be paid off with a 3rd party app. So for me it’s useless.
Keeps money
Total scam
Awful!
First they have hidden fees they don’t disclose until you subscribe. Every transaction cost $1. So you are paying monthly access to the SaaS then get charged a $1 for every payment they make to one of your credits, which discourages frequent payments. Second the first recommended account they pushed for me to make Payoffs on was an account that was paid off and closed two months back and had a $0 balance. The funds got stuck in limbo hell. Third and worst of all, they offered to refund the Payoff that got stuck in limbo via a third party FinTech app that was requiring me to pay a $250/ year annual subscription to claim the refund. Fortunately my bank did a chargeback on the payoff. Truly an awful experience and it’s riddled with AI slop to top all of that off.
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Great Idea
Great idea for an app, but costs either $12.99 per month OR $79.99 annually.
Someone who is paying off debt won’t want to pay that lol
Someone who is paying off debt won’t want to pay that lol
Jags Pooh
I have t used yet but I hope it works
Ditch makes Deb payoff enjoyable
I’m actually really surprised at how much I love this app. It does everything I’ve been wanting to do to really tackle my debt and get a hold of us spending and finances and budgeting. I am obsessed. The fact that I can actually make money in the app to pay off debt is the biggest added bonus I could ever imagine. Automating everything is a gift and a blessing and I just can’t stop talking about this app.
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A debt help
I am enjoying this app. You can too. Download it today and give it a try.
Too expensive
Really wanted to love this app. But the subscription and the transfer fees are too much. I can easily set up an automated payment each week for my credits cards. This won’t cost me any fees and all my money goes my debt instead of some towards my debt and some towards and app paying it for me.
Absolutely worth it
This app has it made it so easy to pay down debt. I wish I had found this sooner.
Good app but transaction fees kill it
The app is well designed and works well but charging a monthly/annual fee to use + $1 charge on every transfer for standard bill pay transaction is a little wild. Should be one or the other not both
Slow
The app is a great idea in theory. It is so slow to transfer to your debt account that it would be better to calculate it myself and pay it myself without fees and pay less interest and fees doing it myself.
Beta phase?
It does not allow me to crest an account. Just see the demo
Too good to be true
Sadly twice now the card I’ve been focusing on was flagged for suspicious activity and I’ve needed to get 2 new cards within 2 months. I wish that didn’t happen I really loved paying off extra debt.
Just okay
As many have pointed out, now I’m paying ditch and my credit cards. I don’t like how slow the process is of moving money from ditch to the account being paid off. Also, for the first week free, they only offer one ditch payment based on your spending, then they don’t process anymore until after they charge you the subscription. Sketchy move. I’ll use it for a year then see what I think.
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Response from developer
Hi DBNishi! We're working on making payments even faster - would love to hear any other feedback you have (reach out anytime to help@ditch.com!). There's no restriction on how many payments can move within your first week, it just depends on Round Ups timing and you can always make one-time payments. :)
Love it!
It’s been so easy to use and I love seeing the progress in real time!
Amazing app
This is such a helpful app. Highly recommend!
Hidden fees
App sets up by default to calculate what you spend and takes your spare change rounded to next dollar and adda it to a “bank” hold on the ditch account. Once this reaches a 20$ threshold it takes the cash from your payment account to pay off your debt account. What they don’t tell you is they charge a convenience fee on every single transaction with a 1$ minimum. So every time it moves 20$ it charges you 1$ … so roughly 5% fee to operate. I cancelled as soon as i saw this because i had not seen anything about that charge anywhere … plus this is a subscription app to begin with. Pretty shady business practice
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Response from developer
Hi thefulcan, we hear you. We try hard to ensure cost doesn't get in the way of paying off debt, and we're always looking for better ways to do that. The per-payment fee is disclosed pre-authorization, and only applies when we're actually moving your money. Reach out to us at help@ditch.com with any other feedback or questions you have. We appreciate you giving Ditch a shot, and hope you'll consider us again down the line.
