Manage Digit

How to cancel digit and reclaim your savings account

What digit is and why you might want to cancel

Digit is a personal finance app that automatically transfers small amounts from your linked bank account into dedicated savings buckets and investment features. The service charges a recurring monthly subscription starting at $5.00 AUD, though the price may vary depending on where you signed up. Recently, the parent company rebranded to Oportun while keeping the Digit product name and core automated saving functionality intact.

You might want to cancel if you've found the automatic transfers aren't aligned with your budget, the monthly fee no longer justifies the value you're receiving, or you've decided to manage your savings differently. Whatever your reason, Stopee is here to walk you through the cancellation process step by step, ensuring you understand your rights and avoid common pitfalls that trap users into continued billing.

The subscription model explained

Digit offers a free basic tier that gives you access to your account, while the paid subscription unlocks automated savings transfers and additional features. Most users encounter billing on a monthly cycle, meaning your payment renews automatically every 30 days unless you actively cancel.

Where you downloaded the app matters significantly for how you cancel. If you subscribed through the Apple App Store, Google Play Store, or directly via Digit's website, the cancellation process differs. Stopee recommends checking your download source first because some cancellations require you to manage them through that platform rather than directly with Digit.

Why cancelling digit can be tricky

Users consistently report billing delays after cancellation, unexpected withdrawals continuing after account closure, and difficulty accessing funds held within the app. These issues create frustration and can lead to overdraft fees on your linked bank account if you're not careful during the transition period.

The app's automated nature works beautifully while you're using it but creates friction when you're trying to leave. Funds held in savings buckets can trigger a "blocking condition" that prevents your account from closing until those balances clear. Settlement takes several business days, which means poor timing can extend the cancellation process unexpectedly.

Your consumer rights under australian law

Australian Consumer Law protects you when cancelling subscription services like Digit, particularly around misleading claims and unfair contract terms.

What the australian consumer law says about cancellations

Under the Competition and Consumer Act 2010, you have the right to cancel a subscription service if the company has made misleading or false statements about the service, its price, or how to cancel it. If Digit's website or signup process doesn't clearly disclose the monthly fee, billing frequency, or cancellation method, you may be entitled to a full refund of charges that resulted from that misleading conduct.

Additionally, if you signed up during a free trial and the company failed to clearly present the trial terms or the automatic transition to paid subscription, Australian Consumer Law gives you grounds to dispute the charge and request cancellation without penalty.

When you can request a refund

You're entitled to request a refund within a reasonable time if the service hasn't been provided as promised. If Digit continues to withdraw funds after you've cancelled, or if pending transfers prevent your account from closing, document every failed closure attempt and every unexpected withdrawal. This evidence strengthens your refund claim.

The Australian Financial Complaints Authority (AFCA) handles disputes about financial services. If Digit refuses to refund unauthorised withdrawals or acknowledge your cancellation request, you can lodge a complaint with AFCA at no cost. Stopee advises saving all email correspondence and screenshots of your account status before escalating to AFCA.

Pricing and what you're paying for

Understanding Digit's fee structure helps you make an informed decision about whether cancellation is right for you.

Current pricing for digit subscriptions

Pro tip: Check your most recent email receipt or app store transaction history to confirm which tier you're on. Some users sign up at a promotional rate that later increases, so your monthly charge may be higher than the advertised $5.00 if you've been subscribed for several months.

Hidden costs and timing traps

Digit doesn't add hidden admin fees for cancellation, but the monthly subscription renews automatically on your billing date. If you cancel on the 1st of the month but your billing date is the 15th, you'll be charged again before cancellation takes effect. Most cancellations become effective at the end of your current billing cycle rather than immediately.

Warning: If you cancel mid-cycle and don't withdraw your saved funds before the account closes, you may face delays retrieving that money. Some users report waiting 5-10 business days for transfers out to settle after cancellation.

How to cancel digit in australia

Your cancellation method depends on where you signed up; follow the steps that match your account source.

Cancelling through the apple app store

1. Open the Apple App Store app on your iPhone or iPad.
2. Tap your profile icon in the top right corner.
3. Select "Subscriptions" from the menu.
4. Find "Digit" in your active subscriptions list and tap it.
5. Tap "Cancel subscription" or "Cancel free trial" if you're within the trial period.
6. Confirm the cancellation by selecting the reason (optional) and tapping "Confirm."
7. You'll receive an on-screen confirmation and an email receipt within minutes.

Pro tip: The App Store often shows you a discounted renewal offer at this screen. Ignore it if you're certain you want to cancel; Stopee recommends cancelling cleanly rather than accepting a promotional discount that simply delays the inevitable.

Cancelling through google play

1. Open Google Play on your Android device or visit play.google.com on your computer.
2. Navigate to "Account" (tap your profile icon if on mobile) and select "Subscriptions."
3. Tap "Digit" from your active subscriptions.
4. Select "Cancel subscription."
5. Follow any prompts to confirm your cancellation reason and timing.
6. Google Play will send you a confirmation email immediately.

Warning: Google Play cancellations may take up to 24 hours to process in Digit's system. If you see another charge after cancelling, contact Google Play Support immediately with your order number and screenshot of the cancellation confirmation.

Cancelling via the digit website or app directly

1. Log in to your Digit account on the website or mobile app.
2. Navigate to Account Settings or Preferences (usually found via a gear icon or menu button).
3. Look for "Subscription," "Billing," or "Plan" settings.
4. Select "Cancel subscription" or "Downgrade to free account."
5. Enter your reason for cancelling (optional) and confirm the cancellation date.
6. Take a screenshot of the confirmation message and save any confirmation email Digit sends you.

If Digit's website doesn't offer a self-service cancellation option, you'll need to contact customer support by email. Stopee advises sending a cancellation request to support@digit.co or the email address listed in your account settings.

Cancelling by contacting customer support directly

1. Gather your account details: your full name, email address linked to Digit, and phone number on file.
2. Compose a formal cancellation email to support@digit.co (or the contact address from your account settings) with the subject line: "Subscription cancellation request."
3. State clearly: "I request that my Digit subscription be cancelled effective immediately" (or your preferred date).
4. Include your account information and the reason for cancellation (optional but helpful for feedback).
5. Send the email from the email address associated with your Digit account.
6. Wait for a confirmation email response within 1-2 business days.
7. Save this confirmation email as proof of your cancellation request.

Pro tip: If you don't receive a response within 3 business days, send a follow-up email. Stopee recommends using registered or tracked email (such as Gmail's "read receipt" feature) to prove you've sent and received communications about your cancellation.

What happens after you cancel digit

Cancellation doesn't happen instantly; understanding the timeline and what to expect reduces stress during the transition.

The cancellation timeline

Once you submit your cancellation request, Digit typically processes it within 24 hours if you cancelled through the app store or website. If you contacted support by email, expect a 1-3 business day delay. Your subscription remains active through the end of your current billing cycle unless you're cancelling during a free trial, in which case it stops immediately.

After your billing cycle ends, you'll no longer be charged. However, any funds remaining in your Digit savings buckets are yours to withdraw. Transfers out of Digit to your linked bank account take 1-5 business days to settle, depending on your bank's processing speed.

Retrieving your saved funds

Before or immediately after cancellation, withdraw any balance you've accumulated. Log in to Digit, navigate to your savings buckets, and transfer the total balance back to your linked bank account. Don't assume Digit will automatically return your funds; you must initiate the withdrawal yourself.

Warning: Some users report that initiating a withdrawal and then cancelling the account simultaneously can cause the transfer to fail or hang in a "pending" state. Stopee advises withdrawing your funds first, waiting 2-3 business days for the transfer to complete, and then cancelling your subscription.

Verifying cancellation in your records

After your cancellation effective date has passed, check your linked bank account and confirm that no new Digit charges appear on your next billing date. If a charge does appear, you have grounds to dispute it with your bank and request a chargeback. Contact your bank's dispute resolution team immediately and provide your cancellation confirmation email as evidence.

Keep all confirmation emails, screenshots, and transaction records for at least 12 months. If Digit disputes your cancellation claim or your bank questions the chargeback, you'll need this documentation to prove you cancelled and that the charge was unauthorised.

Refunds and what you're entitled to

Refund eligibility depends on when you cancelled and the reason for your request.

Prorated refunds for mid-cycle cancellations

Digit's standard policy does not offer prorated refunds for cancellations mid-billing cycle. If you paid $5.00 on the 1st and cancelled on the 15th, you typically won't receive a $2.50 refund for the unused half-month. This is the key reason to time your cancellation carefully; if possible, cancel just after a billing date rather than just before.

However, if Digit's terms and conditions on their signup page failed to disclose this non-refund policy clearly, you may have grounds to challenge the charge under Australian Consumer Law. Stopee recommends reviewing the exact wording on Digit's website at the time you signed up; if that wording was vague or absent, document it.

When you can claim a refund

You're entitled to a full or partial refund if any of the following apply:

• Digit continued withdrawing funds after you successfully cancelled your subscription.
• Your cancellation confirmation was never acknowledged, and a charge appeared on your next billing cycle.
• The free trial terms were not clearly disclosed at signup, and you were charged without explicit consent.
• Digit made misleading statements about the cancellation process, the fee, or what the service includes.
• Technical issues prevented you from cancelling (for example, the "Cancel" button didn't work), and you attempted to reach support multiple times.

If any of these scenarios describe your situation, email Digit support with a refund request and attach evidence: your cancellation confirmation, screenshots of the charge, bank statements, and copies of any support emails you've sent. Request a refund within 30 days of the disputed charge.

Escalating to AFCA if digit refuses

If Digit denies your refund request or doesn't respond within 30 days, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA is free for consumers and has the authority to order Digit to refund you if the organisation has breached its obligations.

Visit afca.org.au to lodge a complaint online. You'll need to provide your account details, the amount in dispute, copies of your cancellation request and confirmation, and a clear explanation of why you believe you're entitled to a refund. AFCA typically responds within 21-30 days with a decision.

Common mistakes when cancelling digit

Many of us assume cancellation means automatic refunds and instant account closure, but subscription services rarely work that way.

Mistake 1: cancelling without withdrawing your savings first

After you cancel, your Digit account eventually closes. Any funds sitting in savings buckets may become difficult or slow to retrieve once the account is no longer active. Always transfer your balance out to your linked bank account before you submit your cancellation request. Wait 2-3 business days for the transfer to settle, confirm the money arrived, then cancel.

Mistake 2: cancelling mid-billing cycle without checking your renewal date

If your billing date is the 15th and you cancel on the 10th, you'll still be charged on the 15th. The cancellation becomes effective at the end of that billing cycle. To avoid this charge, either cancel after your next billing date has passed, or contact support and ask for the cancellation to be applied retroactively if the charge was not clearly communicated.

Mistake 3: assuming cancellation through one platform cancels subscriptions on all platforms

If you signed up on both the App Store and Google Play, you have two separate subscriptions. Cancelling one does not cancel the other. Stopee advises checking all app stores and the Digit website to confirm you've cancelled every subscription tied to your account.

Mistake 4: not keeping cancellation confirmation

If you can't prove you cancelled, you have no leverage if a charge appears later. Screenshot your cancellation confirmation, save the confirmation email, and note the date and method you used to cancel. This documentation is your lifeline if a dispute arises.

Mistake 5: ignoring small charges after cancellation

Some users see a final small charge after cancellation and assume it's normal "system cleanup." It's not. Every charge after your cancellation effective date is unauthorised and should be disputed with your bank. Report it immediately rather than letting it slide.

Digit cancellation checklist

Use this checklist to ensure you've completed every step and protected yourself financially.

Comparing digit to other savings apps

If you're cancelling because Digit isn't the right fit, consider whether another app aligns better with your needs.

Digit versus alternative savings services

Before you switch, assess what you liked about Digit. If you valued the "set and forget" automatic transfers, Raiz offers similar functionality with lower cost. If you're simply looking for a high-interest savings account, your bank or a specialist savings provider like Macquarie may serve you better at no monthly fee. Stopee helps consumers navigate these decisions by ensuring you understand all your cancellation rights before choosing a new service.

When to keep digit versus when to cancel

Cancellation isn't always the right choice; sometimes adjusting your expectations or usage is enough.

Reasons to keep digit

You should keep Digit if you're regularly building a savings buffer through automated transfers and you value the goal-tracking and visual feedback. If you've been using it for 6+ months and have accumulated a meaningful balance, the $5.00 monthly fee has likely been justified. Cancelling now means losing the momentum you've built.

Additionally, if you're on a promotional rate or an older pricing tier that's lower than the current $5.00, cancelling and re-signing up will almost certainly cost you more. Stopee advises grandfathered subscribers to stay put unless the service actively degrades.

Reasons to cancel digit

Cancel if the monthly fee is no longer affordable, if you've stopped using the app and haven't seen a transfer in several months, or if you're managing your savings better through a different method (such as a dedicated savings account at your bank). Cancel if Digit has made unauthorised withdrawals or if your cancellation requests have been ignored.

Cancel if you've opened a high-interest savings account that offers better returns without ongoing fees. The $5.00 monthly subscription adds up to $60 per year; if your bank is paying you more in interest than you're spending on Digit's fee, move your money and close the account.

Final steps and contact information

After you've cancelled, stay vigilant for any unexpected charges and maintain your documentation for 12 months.

Who to contact if problems arise

If Digit ignores your cancellation request or continues charging after you've cancelled, contact them directly first through these official channels:

• Email support: support@digit.co (or the support email in your account settings)
• In-app support chat: Available during business hours through the Digit app menu
• Account settings: Check the "Help" or "Contact us" section for current support options

If Digit refuses to cooperate or doesn't respond within 30 days, escalate your complaint to:

• Australian Financial Complaints Authority (AFCA): afca.org.au or 1800 931 678; lodge a dispute for free if Digit breaches consumer rights
• Australian Consumer Law: accc.gov.au; report misleading billing practices or unfair contract terms
• Your bank's dispute resolution team: If a charge is unauthorised, request a chargeback and provide your cancellation confirmation as evidence

Why stopee exists for consumers like you

Cancelling subscriptions should be straightforward, but too many companies bury cancellation options and drag out the process to maximise revenue. Stopee has helped thousands of consumers cancel unwanted subscriptions, recover unauthorised charges, and understand their rights under Australian Consumer Law. Whether you're dealing with Digit or any other recurring service, Stopee provides step-by-step guidance, escalation support, and accountability to ensure you're never trapped by a subscription you don't want.

Bookmark this guide, share it with friends, and return to Stopee whenever you need clarity on cancelling any service. Your financial freedom is worth the effort.