Manage Digit

How to cancel digit and stop automatic savings charges in the philippines

What digit is and why filipinos are cancelling

Digit is a paid personal finance app that automatically moves small amounts of money into savings based on your spending patterns. You pay ₱282 (approximately $5.00 USD) per month for this service, and the subscription renews automatically unless you cancel it. If you have signed up and now want out, you are not alone-many Filipino users find the cancellation process frustratingly unclear, and that is exactly what Stopee exists to fix.

The app works by analysing your cash flow and quietly transferring money into savings without you having to think about it. On the surface, that sounds helpful. But if your financial situation changes, or you simply prefer to manage your own savings, you need a clear way to stop the charges. The problem is that Digit's terms and cancellation instructions are not transparent for Philippines-based users, which leaves you vulnerable to unexpected charges and billing confusion.

What you pay for each month with digit

Your monthly subscription of ₱282 (USD $5.00) covers automated savings features and financial management tools. When you sign up, you are not buying a one-time app-you are entering a recurring subscription that will charge your card every month unless you cancel it. Digit is now tied to Oportun, a broader financial services company, which means your billing and support may come from that parent company.

Here is the critical detail: there is no commitment mentioned in most Digit communications, but the service defaults to auto-renewal. If you do nothing after your first month, your card will be charged again. Your bank statement may show a merchant name that does not match "Digit" exactly, so it is easy to miss the charge if you are not paying close attention. Save your original sign-up confirmation email and first billing receipt immediately-those documents are your proof if you later need a refund or dispute.

Why cancellation feels hidden in the philippines

Digit is not marketed locally in the Philippines with clear peso pricing or obvious cancellation paths built into the app. The company publishes pricing in US dollars, converts to pesos using a general exchange rate, and does not spell out cancellation steps on the main support site that Philippine users can easily find. This opacity is exactly why Stopee recommends documenting everything before you cancel-because the company may not make it easy to prove you completed cancellation successfully.

If you pay through an international card, GCash-linked card, Maya, or BDO/BPI/UnionBank, your card statement will show the charge in your local currency after conversion, but the merchant descriptor may not say "Digit." This mismatch has led many Filipino users to miss charges or struggle to dispute them later. Before you cancel, take a screenshot of your current plan details and note your next billing date.

Your consumer rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) protects you from deceptive billing practices and gives you the right to cancel subscriptions without penalty. The law requires that companies clearly disclose subscription terms, auto-renewal policies, and cancellation methods. If Digit fails to make cancellation obvious or continues to charge you after you have cancelled, you have legal grounds to dispute those charges and demand a refund.

Under the Consumer Act, you also have the right to access your account information and receive proof of cancellation. If Digit cannot provide a confirmation that shows your cancellation was processed, the burden of proof falls on them to explain why charges continued. Additionally, if you are charged for a service after cancellation, you can file a complaint with the National Consumer Complaints Center (NCCC) or pursue a chargeback through your bank or card issuer.

How to cancel digit step by step

Cancelling Digit requires you to act before your next billing date and to capture proof that you completed the process successfully. Follow these steps exactly, and take screenshots at each stage.

Prepare before you cancel

Before you touch any cancellation button, open your Digit account and export or screenshot everything you want to keep. The terms do not clearly state what happens to your savings data after you cancel, so assume you should save transaction records, statements, or any financial summaries that matter to you.

1. Log in to your Digit account on your phone or computer
2. Open your profile or account settings (usually a gear icon or your name at the top)
   • Look for a section labeled "Subscription," "Billing," "Membership," or "Plan"
3. Take a screenshot of your current plan showing the monthly price (₱282 or USD $5.00) and your next billing date
   • This screenshot is your proof of what you are cancelling and when the next charge would occur
4. Search your email for every receipt or confirmation from Digit, and save them to a folder
   • Look for subjects like "Welcome," "Subscription Confirmation," or "Billing Receipt"
   • Save these even if the sender address does not say "Digit"-it may say "Oportun" or another partner company
5. Note the exact date and time before you proceed to the next step

Cancel through your account settings

The safest cancellation route is through your own account, because the system will show you confirmation on screen immediately. Do this step carefully and do not skip it-many users think they have cancelled but have only viewed their settings.

1. Log in to your Digit account
2. Go to Profile or Account Settings
   • On mobile, tap the menu icon (three horizontal lines) and look for "Settings" or "Account"
   • On desktop, look for your name or profile picture in the top right corner
3. Find and tap "Subscription," "Billing," "Membership," or "Manage Plan"
   • You may need to scroll down to find this option
4. Look for a button or link that says "Cancel Subscription," "Unsubscribe," "Downgrade," or "End Plan"
   • Warning: Do not tap "Pause" or "Suspend"-these do not cancel your subscription and your card will still be charged
5. Tap the cancellation option and read the confirmation screen carefully
   • The app should tell you the exact date your cancellation takes effect
   • Some companies charge you for the remainder of the billing period; others stop charging immediately-note which applies to you
6. Take a screenshot of the final confirmation screen that shows your subscription has been cancelled
   • This screenshot is your proof that you completed cancellation successfully
   • The confirmation may appear on screen for only a few seconds, so screenshot immediately

Contact digit's help centre if self-service fails

If you cannot find a cancellation option in your account, or if the self-service route does not work, you will need to contact Digit's help team directly. Pro tip: Have your confirmation email, account email address, and next billing date ready before you reach out-this speeds up the process and prevents the company from claiming they cannot find your account.

1. Visit the Digit help centre at help.digits.com while logged into your account
2. Search for "cancel subscription" or "how do I cancel"
   • Look for an article titled "How to cancel your subscription" or similar
3. Follow the account-linked cancellation flow shown in that article
   • If the article directs you back to account settings, repeat the steps above
   • If it offers an email contact option, note that email address and proceed to the next step
4. If you must email support, write a clear subject line: "Cancellation Request - [Your Account Email]"
   • Include your full name, the email address tied to your Digit account, and your account creation date
   • State clearly: "I request cancellation of my Digit subscription effective immediately" (or your preferred date)
   • Ask for a confirmation email that shows the cancellation date and when your final charge will occur
5. Send the email and screenshot the confirmation that shows it was sent
   • Note the date and time you sent it
6. Wait for a response within 5-7 business days
   • If you do not receive one, follow up with another email and copy any help desk ticket number they provided

What happens after you cancel digit

Cancelling your subscription does not delete your account immediately, and your savings may still be accessible for some time. However, the company will stop charging your card after the effective cancellation date shown in your confirmation.

What to expect in the days and weeks after cancellation

Your account access may remain open for 30 days or longer, allowing you to view your savings history and download statements. After that, the company may close or archive your account-the terms do not make this clear. Your saved money will remain in your linked bank account or Digit's holding account, and you will not lose access to it just because you cancel the subscription.

Pro tip: Log back into your Digit account 3-5 days after your cancellation to verify that your next billing date has disappeared or been cleared. This double-check confirms that cancellation was successful. If your next billing date is still showing, contact support immediately and refer to your cancellation confirmation screenshot.

Verify that charges have stopped

Wait until 5-7 days after your next billing date was supposed to occur, then check your bank statement or card issuer's app. Confirm that no new charge from Digit or Oportun appears on your statement. If a charge does appear after the cancellation date shown in your confirmation email, contact your bank immediately and ask for a chargeback or dispute.

Keep every confirmation email and screenshot you received from Digit until at least 60 days after cancellation. This documentation is essential if you need to escalate a billing dispute to your bank or file a complaint with the National Consumer Complaints Center.

How to request a refund if you were overcharged

If Digit charged your card after your cancellation date, or if you were charged and did not receive the service, you have the right to request a refund under the Consumer Act of the Philippines.

Request a refund directly from digit first

1. Email Digit's support team with the subject line: "Refund Request - Unauthorized Charge on [Your Card Last 4 Digits]"
2. Include the following information:
   • Your full name and account email
   • The date you cancelled (include a screenshot of your cancellation confirmation)
   • The date the unauthorized charge appeared on your statement
   • The amount charged in pesos
   • A clear statement: "I request a full refund for this charge because my subscription was cancelled on [date] and this charge occurred after that date"
3. Ask for a response within 14 days and include a copy of your bank statement showing the charge
4. Keep a copy of this email for your records

Most companies will process a refund within 5-10 business days if you provide clear proof. Digit should respond to your refund request within the timeframe required by the Consumer Act of the Philippines.

Escalate to your bank if digit refuses

If Digit does not refund the charge within 14 days, or if the company denies your refund request, contact your bank or card issuer immediately. You have the right to file a chargeback for any unauthorized charge that occurred after cancellation.

1. Call your bank's customer service number (usually on the back of your card or in your bank's app)
2. Tell the representative: "I want to dispute a charge from Digit or Oportun that occurred after I cancelled my subscription"
3. Provide the charge date, amount, and explain that you have proof of cancellation
4. Ask the bank to open a dispute and send you a dispute form to complete
5. Submit the form with copies of:
   • Your cancellation confirmation screenshot or email
   • Your bank statement showing the unauthorized charge
   • Any refund request emails you sent to Digit and their responses
6. The bank will investigate and typically resolve the dispute within 60 days

Your bank or card issuer is required to protect you from unauthorized charges, and a chargeback is a powerful tool if the merchant refuses to refund you. Stopee recommends always going through your bank if a company fails to respond to your refund request within 14 days.

Common mistakes people make when cancelling digit

Cancelling a subscription feels straightforward, but small errors can leave you stuck paying for a service you no longer use. Here are the traps to avoid.

Mistake 1: confusing "pause" or "suspend" with cancellation

Digit and similar apps sometimes offer a "pause subscription" option that looks like cancellation but is not. If you pause instead of cancel, your account will remain active and your card will be charged again when the pause period ends. Always look for a button that explicitly says "cancel," "unsubscribe," or "end subscription."

Mistake 2: cancelling through the app but not confirming via email

If you cancel through the app and see a confirmation message on screen, that is not enough. The message may disappear, and if a dispute later arises, Digit can claim they have no record of your cancellation. Always request a confirmation email from support that clearly states the cancellation date and when your final charge will occur. Without that email, you have no proof.

Mistake 3: not checking your next billing date before cancelling

If your next billing date is tomorrow and you cancel today, you will likely still be charged for this month (depending on Digit's policy). If that charge will surprise you or cause hardship, cancel earlier in your billing cycle so you have time to confirm the cancellation takes effect before your card is charged. Pro tip: Cancel on the first day of your billing cycle if possible, so you have the entire month to verify that no new charge appears.

Mistake 4: throwing away your first billing receipt

Your original receipt is proof of the subscription terms you agreed to and the charge amount. If you lose this receipt, you have no documentation of what you signed up for, which weakens any refund claim or dispute. Save every email from Digit, Oportun, and your bank related to this subscription in a folder you label "Digit Cancellation" and keep it for at least 6 months.

Mistake 5: not screenshotting the cancellation confirmation

Screenshots are admissible evidence in refund disputes and complaints. If your cancellation confirmation appears only on your phone screen and disappears when you close the app, Digit can later claim you never cancelled. Screenshot that confirmation immediately, save it to your phone's photo library, and email it to yourself or your bank.

Pricing and what you are actually paying

Understanding Digit's pricing structure helps you decide whether cancellation makes sense for your situation.

Digit's only advertised plan is the ₱282 monthly subscription tied to your card on auto-renewal. The company does not offer annual payment discounts, and there is no mention of a free tier, although some features may be available to trial users for 30 days. If you are still in a trial period and want to avoid being charged, cancellation is even more urgent-trial periods end silently and charges begin automatically.

Should you cancel digit? reasons to stay or go

Before you cancel, ask yourself whether the service is actually helping you save money. If it is not, cancellation makes sense. If it is, weigh the benefit against the ₱282 monthly cost.

Reasons to cancel digit

• You can save money on your own without an automated tool
• The ₱282 monthly fee is eating into your savings rather than growing them
• You do not understand how much money Digit has moved to savings, or you do not trust the app
• You found a better savings tool or are using your bank's native savings app instead
• You are experiencing unexpected charges or billing confusion
• You want to close all subscriptions and manage finances manually

Reasons to keep digit

• The automated savings feature is genuinely helping you build an emergency fund
• You have tracked that you are saving more money with Digit than without it
• The ₱282 monthly fee is small relative to the amount you are saving
• You appreciate the "set it and forget it" approach and do not want the mental burden of manual savings

If you have been using Digit for 3+ months and have not seen significant savings growth, or if you are simply frustrated with the service, cancellation is the right move. Stopee encourages you to make this decision based on your own financial data, not on the company's marketing promises.

What to do if digit refuses to cancel or keeps charging you

If you have followed all the steps above and Digit still refuses to cancel your subscription or continues to charge you, you have formal escalation options.

File a complaint with the national consumer complaints center (NCCC)

The NCCC is a government body that investigates consumer complaints and can compel companies to refund money or comply with the Consumer Act of the Philippines. You can file a complaint if:

• Digit refuses to process your cancellation request after 14 days
• Digit charges you after your cancellation date
• Digit refuses to refund an unauthorized charge
• The company cannot produce proof that you agreed to auto-renewal terms

Visit the NCCC website (nccc.gov.ph) or your regional NCCC office to file a formal complaint. Bring copies of your cancellation confirmation, billing statements, and all emails with Digit or Oportun. The NCCC has the authority to investigate and can order the company to refund you.

File a chargeback through your bank

Your bank or card issuer can reverse any charge you dispute, even if Digit refuses to refund you. This is your strongest consumer protection tool and is faster than NCCC escalation. Provide your bank with the evidence listed above, and the bank's dispute team will work on your behalf.

Contact oportun directly if digit does not respond

Digit is now owned by Oportun, so if Digit's support team does not respond to your cancellation or refund request, escalate to Oportun's customer service. Oportun is a larger company and typically responds more quickly to formal complaints and escalations. Include "Digit Cancellation" in your subject line so Oportun's team knows the issue relates to Digit specifically.

Checklist before and after you cancel

Use this checklist to ensure you have completed cancellation correctly and protected yourself from future charges.

How stopee can help you cancel other subscriptions

Cancelling one subscription is frustrating; cancelling five is overwhelming. Stopee specializes in helping Filipino consumers cancel unwanted subscriptions quickly and safely. Whether you need to exit Digit, Netflix, Spotify, international apps, or any other recurring service, Stopee has guides for hundreds of platforms and can walk you through each step.

Stopee has helped thousands of consumers cancel subscriptions they no longer need, recover unauthorized charges, and understand their rights under Philippine consumer law. Visit Stopee.com to explore cancellation guides for services you use, and bookmark it so you have this resource the next time a subscription renewal surprises you.

Your money belongs to you, and cancelling a service should not be a hidden obstacle course. Stopee is here to make the process clear, fast, and empowering.

Contact information and next steps

If you need to reach Digit or Oportun about cancellation or billing, use the contact methods below. Always follow up any phone call or chat conversation with a written email so you have proof of your request.

How to contact digit for support

• Help centre: help.digits.com (search for cancellation or billing issues)
• Email support: Check your confirmation email or the help page for the support email address
• In-app support: Open Digit, go to Settings, and look for "Contact Us" or "Help"
• Oportun escalation: If Digit does not respond within 7 days, escalate to Oportun's customer service

Your rights under philippine law

The Consumer Act of the Philippines (Republic Act No. 7394) requires that Digit:

• Clearly disclose all subscription terms and auto-renewal policies before you pay
• Provide a simple, accessible cancellation method
• Process cancellation requests within 14 days
• Stop charging your card immediately after your cancellation date
• Refund any unauthorized charges within 30 days of your request

If Digit violates these requirements, you can file a formal complaint with the National Consumer Complaints Center (NCCC) at nccc.gov.ph or your regional NCCC office.

Cancelling Digit is your right, and you have the power to stop charges that no longer serve you. Follow the steps in this guide, save your proof, and if you run into trouble, escalate to your bank or the NCCC. Stopee is committed to making sure Filipino consumers like you know exactly how to take control of your subscriptions and protect your money.