Manage Digit

How to cancel digit and reclaim control of your savings

Understanding digit and why you might want to cancel

Digit is a personal finance app that automates your savings by analysing your spending patterns and transferring small amounts into a dedicated savings account. The app operates on a subscription model, typically charging a monthly fee after an initial trial period. While the concept of automated savings appeals to many users, there are legitimate reasons why you might decide to cancel-whether the app doesn't align with your financial goals, you prefer managing savings manually, or you've found a better alternative.

At Stopee, we understand that cancelling a service should be straightforward, not buried in confusing menus or hidden requirements. This guide walks you through every cancellation method, refund eligibility, and your consumer rights in Singapore.

What digit offers

Digit's core function revolves around automated savings. The app monitors your spending, identifies surplus funds, and moves small amounts into a savings pot. You can withdraw your saved funds at any time, and you have the option to request instant withdrawals for a small fee. Features and pricing can vary depending on your market and selected plan.

Why cancellation matters

If you've subscribed to Digit and no longer use the service, cancelling prevents recurring charges from appearing on your card or app store account. Stopping unwanted subscriptions is your right as a consumer, and Stopee is here to ensure you exercise that right without hassle.

Your consumer rights under singapore law

Singapore's Consumer Protection (Fair Trading) Act protects you when you purchase services like Digit. Understanding your rights strengthens your position if the company resists your cancellation or disputes a refund claim.

Fair trading and cancellation rights

Under the Consumer Protection (Fair Trading) Act, you have the right to cancel certain services within a stipulated period. For insurance products offered by Digit (health, life, home, and travel insurance), Singapore law mandates a "free look-up" period of 15 days from policy issuance. During this window, you can cancel and receive a full or partial refund, minus any reasonable administrative costs.

If Digit or its parent company, We Are Digito Pte. Ltd., engages in misleading advertising, unfair contract terms, or refuses to honour cancellation within the statutory period, you can lodge a complaint with the Consumers Association of Singapore (CASE) or escalate to the Ministry of Trade and Industry (MTI).

Your right to be informed

Digit must disclose all terms, fees, and cancellation procedures clearly before you commit. If you discover hidden charges, mandatory auto-renewals not explicitly agreed to, or deliberately obscured cancellation routes, these are breaches of fair trading principles. Document everything-screenshots, emails, and timestamps-to support any dispute.

Cancellation methods for different digit products

Digit operates multiple products: the core savings app, and various insurance offerings. Your cancellation route depends on which product you subscribed to and where you signed up.

Cancelling the digit savings app subscription

If you subscribed directly through the Digit app or via a third-party app store, follow the method that matches your subscription source.

1. Cancel via Apple App Store (iOS)
   • Open Settings on your iPhone or iPad.
   • Tap your Apple ID profile icon at the top of the screen.
   • Select Subscriptions.
   • Find and tap Digit in the list.
   • Tap Cancel Subscription and confirm.
   • Save a screenshot of the confirmation for your records.
2. Cancel via Google Play (Android)
   • Open the Google Play app.
   • Tap your profile icon in the top-right corner.
   • Select Manage subscriptions.
   • Find Digit and tap it.
   • Tap Cancel subscription and follow the on-screen prompts.
   • Screenshot the cancellation confirmation.
3. Cancel directly in the Digit app (if available)
   • Open Digit and navigate to Settings or Account settings.
   • Look for Subscription, Billing, or Plan options.
   • Select Cancel subscription or Downgrade.
   • Follow the prompts and save confirmation details.

Pro tip: Always cancel before your next billing date to prevent an additional charge. Mark your calendar with your billing date so you don't miss the deadline.

Cancelling digit insurance products

Digit also offers health, life, home, and travel insurance through its platform. Each product has its own cancellation process and refund rules governed by Singapore insurance regulations and the free look-up period.

1. Health insurance cancellation
   • Contact Digit's health insurance support team by phone at 1800-2585956 or email healthclaims@godigit.com.
   • Provide your policy number and request cancellation in writing (email is best for a paper trail).
   • Cancel within 15 days of policy issuance to qualify for the full free look-up refund window.
   • Request confirmation of cancellation and the expected refund timeline.
2. Life insurance cancellation
   • Email life@godigit.com, call 1800-1296-12626, or WhatsApp 9960126126.
   • State your policy number and request written cancellation confirmation.
   • Cancel within 15 days of issuance to access the free look-up period and refund eligibility.
   • Note that refunds are subject to applicable deductions as outlined in your policy wording.
3. Home insurance cancellation
   • Request cancellation through Digit or your home insurance provider (if underwritten by a third party).
   • Provide your policy number and cancellation date in writing.
   • If you cancel before the policy expiry date, you may be eligible for a pro-rata refund based on the unused portion of your premium.
   • Request a refund calculation and confirmation of the amount to be returned.
4. International travel insurance cancellation
   • Email support.travelmobileops@godigit.com or hello@godigit.com with your policy details.
   • Refunds after commencement depend on how many days you've held the policy and your policy terms.
   • Request a detailed refund calculation before confirming cancellation.

Warning: Once an insurance policy period has commenced and you've moved beyond the 15-day free look-up window, your refund eligibility drops significantly. Act quickly if you're unsure about a purchase.

What happens after you cancel digit

Cancelling Digit triggers several changes to your account and billing. Understanding what to expect prevents confusion and helps you verify that cancellation was processed correctly.

Immediate and ongoing access

When you cancel the Digit savings app, your premium features typically remain active until the end of your current billing period. If you cancelled during a free trial, access usually stops immediately. For insurance products, coverage ends on the cancellation effective date specified in your policy terms-not on your request date.

Your existing savings in the Digit app remain yours; cancelling the subscription doesn't forfeit your balance. You can continue to withdraw funds through standard or instant withdrawal options, depending on your policy.

Stopping automatic renewals

After you cancel, automatic renewal charges should stop before your next scheduled billing date. However, don't assume this happens automatically. Verify with your payment provider-either your app store account or your card issuer-that the charge is no longer recurring. Contact Stopee if you see a charge after cancellation; we help thousands of consumers dispute unexpected post-cancellation fees.

If you cancelled through the app store but the charge reappears, your app store account may have a cached payment method or a renewal setting you missed. Return to your subscription settings and confirm the status shows "Cancelled" or "Inactive."

Record-keeping and documentation

Save every confirmation email, screenshot, and reference number from your cancellation. These records are your evidence if a charge disputes arises. Include the date you cancelled, the method you used, and any confirmation numbers provided by the app store, Digit, or your bank. If Digit charges you after cancellation, you'll need these documents to request a refund or file a chargeback with your bank.

Refund eligibility and timelines for digit

Refund rules for Digit vary significantly depending on whether you're cancelling the savings app subscription or an insurance policy.

Savings app refunds

For the core Digit savings subscription, refund availability depends on your app store's policy. Apple and Google Play typically don't refund unused subscription time once the first month has passed. If you cancel within 14-15 days of initial purchase, you may have a chance to request a refund directly from the app store. Check your app store's refund policy before cancelling.

Insurance policy refunds

Insurance refunds follow strict, regulated timelines set by Singapore's insurance framework:

• Health insurance: Full or partial refund only within the 15-day free look-up period. After day 15, refunds are typically unavailable or severely reduced.
• Life insurance: If cancelled within 15 days of issuance, refund is processed (usually within 7 days) after deduction of administrative fees and any risk-borne charges stated in the policy.
• Home insurance: Cancelled before policy expiry may qualify for a pro-rata (short-period) refund based on days active. The formula is typically (Days Remaining / Total Days) × Premium Paid.
• Travel insurance: Refund after commencement is calculated based on days used and policy terms. Full refunds are unlikely unless cancellation occurs before the policy period begins.

Pro tip: Request a refund calculation in writing from Digit before finalising cancellation. This gives you a clear refund amount to check against your bank statement 7-10 days later.

Deductions and exceptions

Insurance refunds are rarely issued in full. Expect deductions for administrative processing, underwriting, and any risk costs incurred by the insurer. If you've filed a claim on an insurance policy, the insurer may withhold the refund entirely or reduce it by the claim amount. Similarly, if premiums are outstanding, the insurer offsets them against your refund.

Digit's pricing structure and subscription costs

Understanding Digit's costs helps you evaluate whether cancellation makes financial sense for your situation.

Subscription costs

Digit's base subscription originates in USD (US$5 monthly) and converts to SGD at current exchange rates-approximately S$6.75. No official SGD pricing is published on Digit's website, so your actual charge may vary slightly depending on your card issuer's conversion rate. If you notice a discrepancy, contact Digit support to verify the exact charge.

Common mistakes to avoid when cancelling digit

Cancelling a subscription sounds simple, but small oversights can leave you liable for unexpected charges or locked out of refunds. We've seen it happen too often, and Stopee is here to help you avoid these traps.

Missing the 15-day insurance free look-up window

If you've purchased an insurance policy through Digit, you have exactly 15 days from issuance to cancel and receive a refund. After day 15, refund eligibility drops dramatically. Mark your calendar immediately after purchase, set a phone reminder, and don't delay if you're uncertain about the policy.

Cancelling through the wrong channel

Cancelling in the app doesn't always cancel an app store subscription, and vice versa. If you subscribed via Apple or Google Play, you must cancel through that platform. Deleting the app or cancelling in-app settings alone won't stop the recurring charge. Stopee recommends verifying cancellation through your app store account settings within 24 hours of cancelling in the app.

Ignoring post-cancellation charges

A charge appearing after cancellation doesn't mean your cancellation failed-it might be a delayed processing from before you cancelled, or a glitch in the app store's system. Check the charge date against your cancellation date. If the charge is dated after cancellation, contact Digit support immediately with your cancellation confirmation and request a refund.

Not documenting the cancellation

Screenshots and confirmation emails are your only proof of cancellation if a dispute arises. Don't rely on memory or app store notifications alone. Save confirmation numbers, cancellation dates, and the method you used (app store name, email reference, etc.).

Checklist for cancelling digit successfully

Use this checklist to ensure you've covered every step and protected yourself from post-cancellation issues:

1. Confirm your cancellation method: app store (Apple/Google), direct app, or insurance support channel.
2. Check your next billing date; cancel at least 2-3 days before to allow processing time.
3. If cancelling insurance, confirm you're within the 15-day free look-up period (or document your reason if outside it).
4. Take screenshots of your subscription status before and immediately after cancellation.
5. Save the confirmation email or reference number provided by the app store or Digit support.
6. Request a refund calculation in writing if cancelling insurance.
7. Monitor your bank or card statement for 7-10 days to confirm no further charges appear.
8. If a charge appears post-cancellation, contact your app store or bank within 30 days to dispute it.
9. Keep all documentation for at least 12 months in case of a chargeback dispute.

Contacting digit for support and escalation

If Digit refuses to cancel your subscription, disputes your refund claim, or you encounter technical issues during cancellation, you have escalation options.

Direct support channels

Digit operates multiple support channels depending on your product. For the savings app, check in-app support or contact the general support email. For insurance, use the product-specific channels listed earlier in this guide (health, life, home, travel). Always request written confirmation of your cancellation or refund request via email-phone conversations alone don't provide documented proof.

Escalation to consumer authorities

If Digit refuses to honour your cancellation or withhold a refund you're entitled to under the 15-day free look-up period, escalate to the Consumers Association of Singapore (CASE). CASE can mediate disputes and investigate unfair trading practices. You can file a complaint at www.case.org.sg or call 1800-6100-006. The Ministry of Trade and Industry (MTI) also handles consumer complaints and can enforce remedies if Digit breaches the Consumer Protection (Fair Trading) Act.

Warning: If Digit's registered address (from ACRA records for We Are Digito Pte. Ltd.) is no longer active or contactable, and the website (digito.com.sg) is under refresh, you may face delays in getting a response. Document all your cancellation and refund attempts with Stopee's support-we can help escalate unresponsive service providers to regulatory authorities.

Chargeback and bank-level disputes

If Digit charges your card after cancellation and refuses to refund, contact your bank directly to initiate a chargeback. Provide your cancellation confirmation and bank statement as evidence. Banks typically reverse charges within 7-30 days if the merchant can't prove the charge was authorised.

Key takeaways and your next steps

Cancelling Digit is achievable through multiple routes-app store subscriptions, in-app settings, or insurance support channels. Your cancellation method depends on your subscription source and product type. Refunds are available within statutory windows (15 days for insurance, variable for app subscriptions), and you're protected under Singapore's Consumer Protection (Fair Trading) Act.

The most critical steps are cancelling before your next billing date, documenting everything, and verifying that charges stop within 7-10 days. If Digit resists your cancellation or disputes a legitimate refund, Stopee has helped thousands of consumers resolve subscription disputes through CASE mediation and chargeback requests. Visit Stopee.com to file a complaint, access templates for formal cancellation letters, or connect with our team if Digit's support goes unresponsive.

Take action today: open your app store account, confirm your billing date, and follow the method matching your subscription source. Your control over recurring charges-and your finances-starts now.