How to cancel Digit and reclaim control of 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 operates on a subscription model, charging a monthly fee starting at AUD $5.00, though pricing varies by region. The parent company, Oportun, rebranded the product while maintaining Digit's core automated savings functionality and user interface.

You may decide to cancel if the automated transfers no longer align with your budget, the monthly subscription no longer delivers sufficient value, or you prefer to manage your savings through alternative methods. Whatever your reason, Yafee has designed this guide to walk you through the cancellation process step by step, ensuring you understand your legal rights under Australian Consumer Law and avoid common pitfalls that lock users into continued billing.

The subscription model explained

Digit offers a free basic tier that provides access to your account dashboard, while the paid subscription unlocks automated savings transfers and advanced features. Most users encounter monthly billing cycles, meaning your payment renews automatically every 30 days unless you actively cancel before your next renewal date.

Your download source significantly affects your cancellation process. If you subscribed through the Apple App Store, Google Play Store, or directly via Digit's website, each platform requires different cancellation steps. Yafee recommends identifying your download source first because some platforms require you to manage cancellation through that channel rather than directly with Digit's customer support.

Why cancelling Digit presents challenges

Users commonly report billing delays after cancellation, unexpected withdrawals continuing after account closure attempts, and restricted access to funds held within savings buckets. These issues create unnecessary friction and can trigger overdraft fees on your linked bank account if poor timing coincides with your cancellation.

Funds held in active savings buckets may trigger a "blocking condition" that prevents your account from closing until those balances settle. This settlement process typically takes between three and five business days, which means cancellation timing can unexpectedly extend your closure period and subject you to additional fees.

Your consumer rights under australian law

Australian Consumer Law provides you with specific protections when cancelling subscription services like Digit, particularly regarding misleading conduct and unfair contract terms.

What the australian consumer law says about cancellations

Under the Competition and Consumer Act 2010 (Cth), you possess the right to cancel a subscription service if the company has made misleading or false statements about the service itself, its price, billing frequency, or the cancellation method. If Digit's website or signup process failed to clearly disclose the monthly fee, how frequently it charges, or how you can cancel, you may be entitled to a full refund of charges resulting from that misleading conduct.

If you signed up during a free trial and the company did not clearly present the trial duration or the automatic transition to paid subscription, Australian Consumer Law gives you grounds to dispute the charge and request cancellation without penalty. This protection applies even if you did not actively cancel before the trial ended.

When you can request a refund

You are entitled to request a refund within a reasonable timeframe if the service has not been provided as promised. If Digit continues to withdraw funds after you have 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 considerably.

The Australian Financial Complaints Authority (AFCA) handles disputes about financial services, including subscription billing. If Digit refuses to refund unauthorised withdrawals or does not acknowledge your cancellation request within 21 days, you can lodge a complaint with AFCA at no cost. AFCA investigates on your behalf and can direct Digit to refund disputed charges.

Your legal position

You hold the legal right to cancel Digit at any time, subject only to payment of charges accrued up to your cancellation date. Australian Consumer Law prohibits companies from imposing early termination fees or penalties for cancelling a subscription service. If Digit has charged you an exit fee or early closure penalty, that charge is likely unenforceable, and you should request its removal and report the practice to AFCA.

Methods for cancelling Digit

Yafee identifies three primary cancellation methods depending on where and how you subscribed to Digit.

Cancelling through the apple app store

If you subscribed to Digit through your iPhone or iPad, Apple processes your subscription management, not Digit directly. You must cancel through your Apple account settings rather than through the Digit app itself.

1. Open the Settings app on your iPhone or iPad
   • Tap your name and profile picture at the top of the screen
   • Select "Subscriptions"
2. Locate Digit in your active subscriptions list
   • Tap "Digit" to open its subscription details
3. Tap "Cancel Subscription"
   • Confirm your cancellation when prompted
   • Apple will immediately deactivate your paid features
4. Verify your cancellation status
   • Return to Settings > Subscriptions and confirm Digit no longer appears in your active list
   • You may retain access to free features until your current billing cycle concludes

Cancelling through the google play store

If you subscribed on an Android device, Google Play manages your subscription. You cancel within the Play Store app rather than within Digit itself.

1. Open the Google Play Store app on your Android device
   • Tap your profile icon in the top right corner
   • Select "Manage subscriptions"
2. Find Digit in your active subscriptions
   • Tap "Digit" to access its subscription page
3. Tap "Cancel Subscription"
   • Google Play may offer a retention offer or downgrade option - decline these if you wish to cancel fully
   • Confirm your cancellation request
4. Check your confirmation email
   • Google Play sends a cancellation confirmation to your account email within minutes
   • Your paid features will deactivate at the end of your current billing period

Cancelling directly with Digit via their website

If you subscribed directly through Digit's website or have an older account predating the app store integrations, you cancel by contacting Digit's customer support or accessing your account settings directly.

1. Log into your Digit account on their website
   • Navigate to Settings or Account Management
   • Look for a "Subscriptions", "Billing", or "Membership" section
2. Locate the cancel subscription option
   • Some accounts allow you to cancel directly through a self-service button
   • If no such button exists, proceed to contacting customer support
3. Contact Digit customer support via email or in-app messaging
   • State clearly: "I request cancellation of my Digit subscription effective immediately"
   • Include your account email address and full name
   • Request written confirmation of your cancellation
4. Retain all confirmation correspondence
   • Save or print any email confirmation Digit sends you
   • Note the date and time of your cancellation request
   • Document the exact date Digit confirms your cancellation is effective

Steps to take before you cancel

Yafee recommends preparing your account for cancellation to avoid delays and unexpected billing.

Withdraw all funds from your savings buckets

Before initiating cancellation, transfer all funds from your Digit savings buckets back to your linked bank account. Digit will not close your account while funds remain in savings buckets. This process typically takes one to two business days, so begin this step at least three business days before your intended cancellation date.

Check your next billing date

Cancel at least three to five days before your next billing date to prevent an additional monthly charge. Your billing date appears in your account settings or subscription details. If you cancel too close to your renewal date, Digit may still process the charge, requiring you to request a refund afterwards.

Confirm your bank details and backup accounts

Ensure your linked bank account information remains current and accessible. If Digit attempts to process a final refund or a disputed charge, you need an active bank account to receive funds. Do not cancel your bank account until you have confirmed all Digit transactions have fully cleared.

What happens after you cancel

Cancellation does not occur instantaneously; understanding the timeline protects you from unexpected charges.

Your paid features cease immediately

Once you confirm cancellation through your app store or with Digit directly, your paid subscription features deactivate immediately or at the end of your current billing period, depending on your subscription provider and local regulations. You retain access to free features, but automated savings transfers and premium tools stop working.

Your final charge timing

If you cancel mid-cycle, Digit typically does not issue a prorated refund for the remainder of that month unless Australian Consumer Law entitles you to one. However, if you cancel before your next renewal date, no further charge should appear on your linked bank account. Monitor your bank statements for seven to ten business days after cancellation to confirm no additional charges post through.

Accessing your data and account closure

After cancellation, your account may remain active in a dormant state for 30 to 90 days, allowing you to recover data or reactivate your subscription if you change your mind. After this grace period, Digit typically closes your account and may delete your transaction history. If you need your financial records, download them before your grace period expires. Contact Digit support to request data export if this option is not immediately visible in your account settings.

Common mistakes that trap users in continued billing

Cancellation is straightforward when you follow these steps, but several oversights lead users to continue paying after they intended to cancel.

Confusing app deletion with account cancellation

Deleting the Digit app from your phone does not cancel your subscription. The subscription remains active through your app store account, and Digit continues charging your linked bank account every month. You must formally cancel your subscription through your app store settings or Digit's website, then delete the app afterwards.

Missing your billing renewal date

If you cancel within 24 hours of your renewal date, Digit may still process your next monthly charge. To avoid this, cancel at least 5 business days before your next billing date. If you miss this window and an unwanted charge appears, contact AFCA to dispute it as an unauthorised transaction.

Forgetting to withdraw savings bucket funds

Funds locked in savings buckets prevent your account from closing completely. Your cancellation request may be rejected if balances remain in buckets. Transfer all savings back to your linked account before you initiate cancellation, or expect your closure to be delayed by the settlement time of those transfers.

Not retaining cancellation confirmation

If you cancel and Digit later claims no cancellation was received, your confirmation email is your proof. Save all cancellation confirmations, screenshots of cancellation screens, or recorded support chat transcripts. These become critical evidence if you dispute a charge with your bank or lodge a complaint with AFCA.

Requesting a refund if charges continue after cancellation

If Digit continues to charge your bank account after you have cancelled, or if you dispute a charge, initiate a refund claim promptly.

Contact Digit directly first

Email Digit customer support with your cancellation confirmation date and evidence of the unwanted charge. Request a full refund and explain that you cancelled before the charge was processed. Allow Digit 14 business days to respond. Yafee recommends sending this email via a tracked method or requesting read receipt confirmation.

Dispute the charge with your bank

If Digit does not refund within 14 days, contact your bank and report the charge as unauthorised. Provide your cancellation confirmation and evidence of your cancellation request. Your bank can reverse the transaction and may issue a provisional credit while it investigates.

Lodge a complaint with AFCA

If your bank's dispute process does not resolve the matter within 30 days, lodge a formal complaint with the Australian Financial Complaints Authority. AFCA investigates financial service disputes at no cost to you and can compel Digit to refund the disputed charges. You can lodge a complaint online at afca.org.au or by phone on 1800 931 678.

Pricing and billing comparison table

How yafee can help you cancel with confidence

Yafee has helped thousands of consumers cancel subscription services by providing clear legal frameworks, step-by-step procedures, and direct escalation paths when companies fail to respond to cancellation requests. Our platform connects your cancellation evidence with the relevant consumer protection authority, ensuring your refund claim reaches the right regulator if Digit disputes your cancellation.

Yafee's automated system tracks your cancellation timeline, reminds you of critical dates, and generates documentation that strengthens your case with AFCA if you need to escalate. By using Yafee alongside the steps outlined in this guide, you reduce the risk of continued billing and ensure every interaction with Digit is documented and legally grounded.

Checklist for successful cancellation

Contact Digit for further assistance

If you encounter difficulties cancelling Digit or have questions about your account, contact Digit's customer support through the following channels: visit their website at digit.co (or your regional equivalent), use the in-app messaging feature within the Digit application, or email their support team directly with your account details and query.

When contacting Digit, always include your full name, account email address, and the specific cancellation issue you face. Request written confirmation of all communications and keep these records for at least 12 months in case you need to escalate your complaint to AFCA.

Yafee remains committed to ensuring Australian consumers understand their rights and execute their cancellation requests without unnecessary delay or cost. By following this guide and leveraging Yafee's tracking and escalation tools, you protect your financial wellbeing and hold Digit accountable to Australian Consumer Law.