Manage Brigit

How to cancel brigit and switch to the free plan: a singapore guide

Understanding brigit and why you might cancel

Brigit is a personal finance app designed to help you manage cash flow challenges through budgeting tools, bill alerts, and short-term cash advances. The app runs on a subscription model, combining automatic bank analysis with spending insights to prevent overdrafts and missed payments. Some features remain available on the free plan after you cancel, while others are locked behind the paid tier.

You might cancel Brigit for several reasons: the subscription no longer fits your budget, you've found a better alternative, or you want to simplify your financial tools. Whatever your reason, Stopee is here to walk you through the process step by step, ensuring you understand your rights as a Singapore consumer and avoid common cancellation traps.

Key features you lose when you cancel

When you switch to Brigit's free plan, you lose access to premium cash advances, priority customer support, and advanced budgeting insights. The free tier keeps basic bill alerts and spending tracking, but your advance limits drop significantly. If you hold an active Credit Builder loan, you must close it before cancellation can complete.

Singapore consumer protection rights and what they mean for you

Your rights as a Singapore consumer are protected under the Consumer Protection (Fair Trading) Act, which shields you from unfair contract terms and misleading billing practices. Understanding these rights helps you negotiate refunds and challenge unexpected charges.

Cooling-off and refund rights in singapore

Singapore law does not automatically grant a 14-day cooling-off period for digital subscriptions. However, the Consumer Protection (Fair Trading) Act requires that Brigit display clear terms before you subscribe. If Brigit misrepresented features, charged you without consent, or failed to disclose auto-renewal terms, you have grounds to dispute the charge. The act also protects you from unfair contract terms that heavily favour the business.

Pro tip: Keep screenshots of Brigit's app terms and your billing confirmation. If you dispute a charge, these documents strengthen your case with your bank or a regulator.

Escalation pathways if brigit refuses to cooperate

If Brigit declines your refund request, you can escalate to the Consumers Association of Singapore (CASE) for free mediation. CASE handles complaints about unfair trading, misleading advertising, and contract disputes. Filing a complaint with CASE often prompts companies to settle, especially if your evidence is strong. You can also contact your bank's dispute resolution team to reverse a charge if Brigit charged you without proper authorisation.

Methods to cancel brigit: your quickest options

Brigit offers three cancellation channels: in-app (iOS and Android), web-based, and email support. The in-app and web methods are fastest and provide instant confirmation, while email is your fallback if the app or website method fails.

Fastest route: cancel via the brigit app

Cancelling directly through the app gives you immediate confirmation and prevents billing delays. This method takes under two minutes and is available 24/7 on both iOS and Android.

1. Open the Brigit app and tap your profile or account icon (usually in the bottom-right corner or top-left menu).
2. Select Account Settings or Settings.
3. Tap My Subscription or Subscription.
4. Choose Cancel Subscription or Switch to Free Plan.
5. Review any active Credit Builder loans.
   • If you have an open loan, close it before proceeding (the app will prompt you).
   • If you skip this step, the system may block your cancellation and require you to complete or pay off the loan first.
6. Confirm your cancellation by tapping Yes, Cancel or Confirm.
7. Take a screenshot of the confirmation screen as proof.

Warning: Brigit typically charges you for the current billing cycle even if you cancel mid-month. Your subscription remains active until the end of that period, so expect a final charge to appear on your statement.

Web-based cancellation for desktop users

If you prefer to cancel on a computer, the web method mirrors the app process and is equally reliable. You can access it from any browser.

1. Visit app.hellobrigit.com (or the regional Brigit web portal for Singapore).
2. Log in with your email and password.
3. Navigate to Settings (usually in the top-right menu or sidebar).
4. Select Subscription or My Subscription.
5. Click Cancel Subscription or Switch to Free Plan.
6. Check for any active loans or pending transactions.
   • Close any Credit Builder loans before proceeding.
   • Resolve any overdue payments if they exist.
7. Confirm your cancellation and save the confirmation page as a PDF.

This method is identical in speed and reliability to the app, and Stopee recommends it if you want a larger screen to review your account before cancelling.

Backup method: cancel via email support

Use email if the app and web methods fail or if you need a documented record of your cancellation request. Email creates a paper trail and is particularly useful for disputes.

1. Compose an email to Brigit support (commonly support@hellobrigit.com or info@hellobrigit.com; verify the address on the Brigit website or in the app's Help section).
2. Include the following information in your email:
   • Your full name as it appears on your Brigit account.
   • Your registered email address.
   • Your username (if different from your email).
   • A clear, direct statement: "I request cancellation of my Brigit subscription effective immediately and wish to switch to the free plan."
3. Send the email and wait for a confirmation reply (usually within 24 to 48 hours).
4. Save the confirmation email and your original request in a folder for your records.

Pro tip: Stopee advises sending your email during business hours (9 AM to 5 PM Singapore time) to receive a faster response. Include a subject line such as "Subscription Cancellation Request" to ensure your email is flagged as urgent.

What happens after you cancel: timeline and access changes

Cancellation does not mean immediate loss of all features. Brigit's shutdown process has specific timing, and understanding it prevents frustration or surprise charges.

Immediate changes on your account

Once you confirm cancellation, your account status changes to "Cancellation Pending" or "Free Plan Scheduled." Your paid subscription features remain active until the end of your current billing cycle. You can still access premium cash advances and priority support during this grace period, but no new features are added. After the billing cycle ends, your account automatically downgrades to the free plan.

Final billing and what to expect

Brigit charges subscription fees on the day you cancel if you are mid-cycle. This is a standard practice and applies regardless of when you requested cancellation. If your billing date is the 15th and you cancel on the 20th, you will be charged for the full month. Monitor your bank statement for this final charge within 3 to 5 business days after cancellation.

Warning: Some users report that Brigit's final charge description appears vague on bank statements (e.g., "Brigit" or "Transaction Pending"), making it easy to miss or forget. Set a calendar reminder to check your statement one week after cancellation and verify the amount against your last subscription invoice.

Refunds: what brigit will and will not return to you

Brigit's refund policy is strict, but exceptions exist if you have a legitimate complaint under Singapore consumer law. Knowing the difference between standard policy and negotiable disputes is crucial.

Standard non-refundable policy

Brigit's published terms state that subscription fees are non-refundable once charged, even if you cancel before the billing period ends. This policy is common among digital subscriptions, but it does not override Singapore's Consumer Protection Act if Brigit breached fair trading requirements.

When you can dispute and request a refund

You have grounds to request a refund if any of these apply:

• Brigit charged you without clear consent or misrepresented auto-renewal terms.
• You cancelled before the trial period ended and Brigit still charged you full price.
• Brigit disabled your account or restricted access without notice or fair warning.
• You can prove the service was unavailable for a significant portion of your billing cycle.
• Brigit charged you multiple times for the same billing period (duplicate charge).

In such cases, email Brigit support with your evidence (screenshots, billing statements, date stamps) and request a goodwill refund. Escalate to CASE or your bank's dispute team if Brigit refuses.

Past refund settlements and current policy

Brigit resolved a regulatory settlement in previous years that issued refunds to affected users. However, that was a one-off resolution tied to that specific case. Do not assume you qualify for automatic compensation. Always base your refund claim on your own account's facts, not past precedent.

Brigit pricing in singapore: what you should know

Brigit's pricing varies by region and changes periodically. Singapore-specific pricing in SGD is not widely advertised in public sources, which can make budgeting difficult.

Where to find current pricing

Check your Brigit app's subscription screen for the exact amount charged to your account. Open the app, go to Settings > Subscription, and you will see your plan name, billing date, and next charge amount. Your bank statement or payment app (PayPal, credit card, Apple Pay) will also show the SGD amount. For any changes or future plans, always verify on the official Brigit website or app store listing in Singapore.

Pro tip: Before you cancel, export or screenshot your spending data from Brigit's app. Once you downgrade, some historical insights may be unavailable, and you will want a personal copy of your financial record.

Common mistakes when cancelling brigit

We understand that cancelling a financial app feels daunting, especially if your money is tied to it. Most users rush the process and overlook crucial steps that save them money and stress later.

Forgetting to close your credit builder loan first

The biggest cancellation blocker is an active Credit Builder loan. If you skip this step, Brigit will either block your cancellation or continue charging you to keep the loan active even after your subscription supposedly ends. Always check your account for open loans before initiating cancellation. Log into the app, go to My Loans or Credit Builder, and verify the status. If you have an outstanding balance, either pay it off in full or contact Brigit support to arrange a settlement plan.

Expecting an immediate refund for the billing cycle

Many users cancel mid-month expecting a pro-rata refund. Brigit does not offer this. You will be charged for the entire month regardless of when you cancel. If you cancel on day 5 of a 30-day cycle, you still pay the full month's subscription. Plan your cancellation for a few days before your billing date to minimise waste.

Cancelling without keeping proof

Do not assume your cancellation went through just because you tapped "Confirm." Take a screenshot of the final confirmation screen immediately. If Brigit later disputes your cancellation or charges you again, this screenshot is your evidence. Stopee has seen users lose refund disputes because they had no proof of their cancellation request.

Ignoring the final charge notification

Brigit sends a final charge notification via email or in-app, but many users miss it. The charge still appears on your bank statement 3 to 5 days later. Monitor your statement after you cancel and cross-reference the date and amount with Brigit's confirmation email. If the amount is unexpected or the date is wrong, dispute it immediately with your bank.

Before you cancel: questions to ask yourself

Stopee recommends pausing to evaluate whether cancellation is truly the best move for you. Sometimes, switching to the free plan or downgrading to a cheaper tier solves your problem without losing all benefits.

Should you cancel or downgrade instead?

If cost is your main concern, check if Brigit offers a cheaper tier. If you only use the app for bill alerts and do not need frequent cash advances, the free plan might be sufficient. Download your last three months of spending reports before downgrading so you retain your financial history.

Is there a better alternative available in singapore?

Compare Brigit to other personal finance apps available locally (such as budget-tracking apps or alternative lending services). Stopee helps consumers evaluate competing services, so visit Stopee.com to read unbiased reviews and cancellation guides for similar apps. This research prevents you from switching to a worse option.

After cancellation: what to do next

Cancelling is just the first step. Securing your account and planning your next financial move ensures you do not regret the decision or fall into a repeat subscription trap.

Secure your account and monitor for surprise charges

After you cancel, change your Brigit password to prevent accidental re-subscription or unauthorised access. Check your email for any confirmation messages and file them in a dedicated folder titled "Brigit Cancellation." Set a phone reminder to review your bank statement 5 to 7 days after cancellation and confirm the final charge matches your expectation. If you see unexpected charges after the agreed cancellation date, dispute them immediately with your bank.

Unlink your bank account if you wish

Brigit's free plan still requires a linked bank account for bill alerts to function. If you no longer want Brigit accessing your bank data, go to Settings > Bank Connections and disconnect your account. This step is optional but recommended if you distrust the service or want a clean break.

Quick checklist for cancelling brigit successfully

Your consumer rights and how to enforce them

Singapore's Consumer Protection (Fair Trading) Act empowers you to challenge unfair billing, misleading terms, and unresponsive companies. Knowing how to use these rights transforms a one-sided relationship into a balanced negotiation.

If brigit refuses to cooperate

Contact the Consumers Association of Singapore (CASE) via their website or hotline 6100 0315. Provide CASE with your cancellation confirmation, bank statements, and a summary of your issue. CASE investigates for free and can mediate between you and Brigit at no cost. Most companies settle disputes once CASE intervenes because regulatory pressure carries weight.

If brigit charged you after cancellation

Email Brigit support immediately with the date, amount, and a request for reversal. Reference Singapore's Consumer Protection (Fair Trading) Act, Section 4, which prohibits false or misleading conduct. If Brigit ignores you after 7 days, escalate to your bank's dispute resolution team. Most Singapore banks (DBS, OCBC, UOB, Maybank) reverse disputed charges within 14 to 30 days if you provide proof of cancellation.

Contact information for cancellation and disputes

Keep these contacts on hand for your cancellation process and any follow-up disputes:

• Brigit support email: Check your app's Help section or the official Brigit website for the current support email address (typically support@hellobrigit.com or info@hellobrigit.com).
• Brigit physical address for formal notices: Brigit's mailing address for formal correspondence varies by region; verify the Singapore office address in the app's legal section or contact support to request the official address before sending a registered cancellation letter.
• Consumers Association of Singapore (CASE): Hotline 6100 0315, website case.org.sg. Available Monday to Friday, 9 AM to 5 PM.
• Your bank's dispute team: Check your bank's website or call the number on your card's back for dispute reporting instructions.

Pro tip: If you send a formal cancellation letter by registered mail, address it to Brigit's Singapore office and request a receipt of delivery. Keep the proof of posting and delivery receipt alongside your email confirmations for a complete cancellation record.

Final thoughts: empower yourself with knowledge and action

Cancelling Brigit is straightforward if you follow the right process and avoid common traps. Whether you cancel via the app, web, or email, you now have the step-by-step knowledge to act confidently. Remember that your rights as a Singapore consumer are real, enforceable, and worth asserting if Brigit fails to honour your cancellation or refund request.

Stopee has helped thousands of consumers navigate cancellations, dispute unfair charges, and reclaim control of their subscriptions. Visit Stopee.com today to access guides for other services, compare cancellation policies, and find resources to support your financial decisions. Your money is yours, and you deserve clarity and fairness every step of the way.