Manage Digit

How to cancel digit and reclaim your savings account control

What is digit and why people cancel

Digit is an automated savings service that connects to your checking account and moves small amounts into a separate savings account based on rules or algorithms you set up. It works as a subscription service, typically offering a free trial period followed by a monthly fee of approximately C$6.70 (converted from the US$5 base price). Many Canadian users appreciate the hands-off savings approach, but others find they want full control over their finances again-or prefer to use their bank's native savings tools instead. At Stopee, we understand that cancellation often isn't about the service itself; it's about finding what truly fits your financial life.

When digit might not be the right fit

You may want to cancel Digit if you prefer managing savings manually, if you've reached your savings goal, or if the monthly fee no longer aligns with your budget. Some users discover they're being charged after their free trial without realizing the subscription had begun. Others switch to their bank's built-in savings automation features or savings accounts with higher interest rates. Stopping a subscription you no longer use is a smart financial decision, and Stopee is here to walk you through every step.

Why acting fast matters

The sooner you cancel, the sooner you stop monthly charges. Digit bills on a recurring cycle, so timing your cancellation matters. You should submit your cancellation request at least three business days before your next billing date to reduce the risk of being charged for another month. If you miss this window, you may still be charged-and getting a refund of that subscription fee is difficult under Digit's documented policies.

Your consumer rights in canada

Understanding your legal protections helps you handle disputes confidently. Canadian consumer protection laws vary by province and territory, and they don't include a universal 14-day statutory right of withdrawal for subscription services like some other jurisdictions do.

What the law does protect

Your consumer rights depend on your province and the payment method you used. If you believe a charge is unauthorized, incorrect, or fraudulent, you have the right to dispute it through your financial institution under Canadian payment rules. Most provinces also require that companies honour their cancellation processes-meaning if Digit's terms say they will process your request, they must follow through. Stopee recommends documenting every step of your cancellation attempt, because this record becomes your proof if you need to escalate to your bank or provincial consumer protection office.

When to escalate your complaint

If Digit refuses to cancel your account or continues charging you after you've requested cancellation, contact your provincial consumer protection office or your bank's dispute resolution department. In Canada, provincial regulators such as the Ontario Ministry of Government and Consumer Services (or equivalent bodies in your province) handle subscription disputes. Your bank can also initiate a chargeback on your behalf if Digit charged you without authorization. Stopee has seen these escalations resolve charges in weeks, so don't hesitate to use these tools.

Methods to cancel digit

Digit offers specific cancellation pathways, and using the official method is crucial to ensure your subscription actually stops.

The official cancellation method

You must use Digit's "Close account" feature on their official website or app. Simply deleting the Digit app from your phone or removing it from the App Store or Google Play does not cancel your subscription-this is a common mistake that leaves recurring charges active. Logging into your account and formally closing it is the only way to stop the billing cycle. Stopee emphasizes this because hundreds of users accidentally keep paying after they think they've unsubscribed.

Why email or app deletion doesn't work

Many subscription services create this confusion intentionally or unintentionally. Digit's system treats app deletion as uninstalling the software, not as a request to end your membership. You must enter the account settings and select the closure option. If you cannot find this option in your Digit app, log into the web version and look for "Account Settings," "Close Account," or "Cancel Subscription"-the exact label may vary.

Step-by-step cancellation guide

Follow these steps to cancel Digit and confirm the process is complete.

How to cancel digit on the web

1. Visit the official Digit website and log into your account using your email address and password.
   • If you've forgotten your password, use the "Forgot Password" link to reset it.
2. Navigate to your account settings or profile page (usually found in the top-right menu or under a gear icon).
   • Look for options labeled "Account," "Settings," or "Preferences."
3. Find and select the "Close Account" or "Cancel Subscription" option.
   • Digit may ask why you're leaving; this feedback is optional but helps them improve.
4. Review the closure confirmation message carefully. Warning: Digit may warn you that you'll lose access to your savings automation features and historical data may become limited.
   • Note any outstanding balance Digit shows in your account.
5. Confirm your linked checking account details and your mailing address.
   • Digit uses this information to refund your remaining balance.
6. Click the final confirmation button to complete the closure.
   • Keep the confirmation screen screenshot or email for your records.

How to cancel digit via the mobile app

1. Open the Digit app on your phone.
   • If you've forgotten your login, use the reset option on the login screen.
2. Tap the menu icon (usually three horizontal lines or a gear symbol) to access account settings.
   • This is typically located in the bottom-right or top-left corner of the screen.
3. Select "Account," "Settings," or "Profile."
   • Scroll down to find closure or cancellation options.
4. Tap "Close Account" or "Cancel Subscription."
   • Some versions may label this as "Deactivate Account" or "End Service."
5. Review any refund balance and confirm your refund destination (checking account or mailing address).
   • Pro tip: If you've moved recently, update your mailing address now so a refund check reaches you.
6. Tap the final confirmation button.
   • Screenshot the confirmation for your records.

Timing your cancellation correctly

Submit your cancellation request at least three business days before your next billing date. For example, if your billing date is the 15th of each month, cancel by the 12th to avoid being charged again. Check your email or account for the exact date your next charge will occur. If you're unsure when that is, cancel immediately-waiting increases the risk of an unwanted charge.

What happens after you cancel digit

Cancellation brings changes to your account and funds, and knowing what to expect prevents surprise or frustration.

Your access and account status

Once you confirm closure, your subscription stops renewing immediately. However, Digit may give you a short grace period-usually 24 to 48 hours-before completely shutting down your access to the app and website. Any automated transfers that were scheduled will stop. You will no longer see savings automation features or historical transaction records in the interface, though Digit typically retains data for a limited time in case you want to reactivate.

Reactivation within 90 days

Digit's documented policy allows you to reactivate your account within 90 days of closure, which may restore some or all of your account history and settings. After 90 days, your account is permanently closed and data may be deleted. If you think you might return to Digit, note this window. If you're certain you won't, don't worry-you can always sign up fresh later if circumstances change.

Protecting your data

Before you close your account, save or export any statements, savings records, or transaction history you want to keep. Stopee recommends taking screenshots of important account information, because after closure your access to historical data may become limited or unavailable. If Digit offers an account export or download feature, use it before confirming closure.

Refunds and remaining balance

Digit's refund process is straightforward but limited to your account balance, not subscription fees you've already paid.

What digit will refund

Digit returns any remaining cash balance in your savings account to your linked checking account, usually within one business day. If your checking account details have changed or an electronic transfer isn't possible, Digit will mail a cheque to your address on file. However, you do not receive a refund of the monthly subscription fees you paid before cancellation. Digit's published policy does not include a money-back guarantee for subscription charges, and there is no statutory 14-day withdrawal right for digital subscriptions in most Canadian provinces.

If you cancel before your free trial ends

Cancelling during the free trial period does not trigger any charges, and you won't owe anything. However, if you cancel after the trial ends and you've been charged, Digit will not refund the subscription fee-only your account balance. Warning: Many users discover they've been charged a subscription fee after the free trial without realizing the trial had expired. Check your email for Digit confirmation messages about trial end dates.

Disputing unauthorized charges

If you believe a charge is fraudulent or unauthorized, contact Digit support immediately and document the conversation. If Digit won't cooperate, contact your bank or credit card issuer to request a chargeback or dispute. Canadian payment networks require banks to investigate disputes within specific timeframes, and you have strong protections if the charge was made without your consent.

Digit pricing and subscription plans

Understanding the cost structure helps you confirm you're making the right cancellation decision.

Digit's base price is US$5 per month; the C$6.70 figure above is a conversion using an approximate exchange rate of 1 USD to 1.34 CAD. Digit does not publish a separate Canadian pricing page, so your exact charge may vary slightly depending on your bank and the exchange rate at the time of billing. If you see a different amount on your statement, check your bank's receipt or Digit's billing history within the app.

Common mistakes to avoid when cancelling

Cancellation seems simple, but small oversights can leave you paying longer than intended or unable to prove you cancelled.

Mistake 1: deleting the app instead of closing the account

This is the most frequent error. Removing Digit from your phone does absolutely nothing to cancel your subscription. Your recurring payment continues because the subscription is tied to your account, not the app installation. You must log into Digit's website or app and formally request account closure. Stopee cannot stress this enough-deletion is not cancellation.

Mistake 2: cancelling too late in the billing cycle

If you cancel after your billing date has passed but before the next charge, you will still be charged on the next cycle. Cancel at least three business days before your billing date to ensure your request is processed in time. If you miss this window and get charged anyway, immediately contact Digit support and your bank to request a reversal.

Mistake 3: not confirming your refund details

Before closing your account, verify that your linked checking account and mailing address are current and correct in your Digit profile. If Digit can't reach your checking account electronically, they'll mail a cheque-and if your address is wrong, you'll never receive it. Check your account settings now, before you cancel.

Mistake 4: failing to document the cancellation

Take a screenshot of your cancellation confirmation screen and save any confirmation email Digit sends you. If a dispute arises weeks later-for instance, if Digit charges you again-you'll need proof that you cancelled. Stopee recommends keeping these records for at least six months after your account closes.

Mistake 5: not checking for ongoing charges

After you cancel, monitor your bank or credit card statement for the next two billing cycles to confirm Digit has stopped charging you. Sometimes delays occur, and catching a stray charge early lets you dispute it quickly. If you see a charge after your confirmed cancellation date, contact Digit immediately.

Comparison: alternatives to digit for canadian savers

Before you cancel, consider whether another service might better serve your savings goals.

Many Canadian banks now offer free automated savings features built into their apps-no subscription needed. If you're cancelling Digit because of the monthly fee, your bank's native tools might provide similar functionality at no cost. Stopee recommends comparing your options before finalizing your cancellation, so you're confident you're moving to a better solution.

Cancellation checklist

Use this checklist to ensure you've completed every step.

• [ ] Verify your next Digit billing date.
• [ ] Cancel at least three business days before that date.
• [ ] Log into Digit's website or app and navigate to account settings.
• [ ] Select "Close Account" or "Cancel Subscription" and confirm any warnings.
• [ ] Review your remaining account balance and confirm your refund destination (checking account or mailing address).
• [ ] Update your mailing address in your profile if you've moved recently.
• [ ] Take a screenshot of the cancellation confirmation screen.
• [ ] Save any confirmation email from Digit.
• [ ] Monitor your bank statement for the next two billing cycles to confirm no further charges appear.
• [ ] Wait for your refund to arrive (within 1 business day to your checking account, or by mail within 7-10 business days).

How to contact digit for cancellation support

If you encounter problems during cancellation, Digit offers customer support channels to help resolve them.

Support contact methods

Digit provides support through its app's help section, customer service email, and sometimes through in-app chat. If you cannot find the "Close Account" option or if your cancellation request is not processed, reach out to Digit support with your account email address and a clear description of the issue. Include your cancellation date request and any error messages you received. Keep copies of all support correspondence for your records.

If digit does not respond

If Digit support ignores your cancellation request or continues charging you after you've formally requested closure, contact your provincial consumer protection office or your financial institution's dispute team. Stopee has documented cases where regulatory complaints resolved stuck subscriptions in weeks. Do not assume silence means approval-escalate if necessary.

Final thoughts and next steps

Cancelling Digit is a straightforward process when you follow the official steps and avoid common pitfalls. Remember: use the "Close Account" feature on the web or app, time your cancellation at least three business days before your billing date, confirm your refund details, and document everything. Monitor your statement afterward to confirm the charges stop. Consumer protection in Canada is strong, and if Digit refuses to cooperate, your bank and provincial regulators are ready to help.

Stopee has helped thousands of consumers cancel unwanted subscriptions with confidence-and we're here to guide you through every step of yours. Whether you're moving to a free banking app or simply taking manual control of your savings again, you deserve a smooth exit. Visit Stopee.com to explore cancellation guides for hundreds of Canadian services, and bookmark your confirmation email for peace of mind.