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Frequently asked questions
Cancel Brigit: The Right Way
How to cancel Brigit in singapore and switch to the free plan
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 operates on a subscription model, combining automatic bank analysis with spending insights to prevent overdrafts and missed payments. When you cancel, certain features remain available on the free plan, while others are locked behind the paid tier.
You might cancel Brigit for several reasons: the subscription no longer fits your budget, you have found a better alternative, or you want to simplify your financial tools. Yafee understands that cancellation decisions are often financial, so this guide walks you through your options step by step while ensuring you understand your rights as a Singapore consumer and avoid common 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 retains 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.
What the free plan includes after you cancel
Brigit's free tier provides essential tools: spending tracking across linked accounts, low-balance alerts, and bill reminders. You retain read-only access to your financial overview, but cannot initiate new cash advances or use premium forecasting features. Many users find the free plan sufficient if they no longer need cash advances or priority support.
Your consumer 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 protections helps you negotiate refunds and challenge unexpected charges before escalating to a regulator.
Cooling-off and refund protections 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 and disclose all auto-renewal conditions upfront. If Brigit misrepresented features, charged you without your explicit consent, or failed to disclose subscription renewal terms, you have grounds to dispute the charge. The Act also protects you from unfair contract terms that heavily favour the business over your interests.
Your legal position: You can demand a refund if Brigit charged you without proper authorisation or misled you about subscription terms. The burden of proof rests with Brigit to show you agreed to the charges. Keep screenshots of app terms, billing confirmations, and email receipts as evidence.
How to escalate if Brigit refuses cooperation
If Brigit declines your refund request, 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 debited your account without proper authorisation. Yafee recommends gathering all communications with Brigit before escalating to strengthen your position.
Methods to cancel Brigit: your quickest options
Brigit offers three primary cancellation channels: in-app (iOS and Android), web-based portal, and email support. The in-app and web methods are fastest and provide instant confirmation, while email serves as 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.
- Open the Brigit app and tap your profile or account icon, usually located in the bottom-right corner or top-left menu.
- Select Account Settings or Settings.
- Tap My Subscription or Subscription.
- Choose Cancel Subscription or Switch to Free Plan.
- Review any active Credit Builder loans.
- If you have an open loan, close it before proceeding, as the app will prompt you to do so.
- If you skip this step, the system may block your cancellation request.
- Confirm your cancellation by tapping Confirm or Yes, cancel my subscription.
- Screenshot the confirmation screen showing the cancellation date and your transition to the free plan.
Web-based cancellation via desktop or mobile browser
If the app method fails or you prefer the web interface, you can cancel through Brigit's online account portal. This method works on any device with internet access.
- Log in to your Brigit account at brigit.com using your email and password.
- Navigate to Account or Settings in the top menu or sidebar.
- Find Subscription or Billing and click Manage Subscription.
- Click Cancel Subscription or Downgrade to Free.
- Address any active loans by following the on-screen prompts to close them before finalising cancellation.
- Confirm your cancellation and save your confirmation email.
Cancellation by email support
Use email cancellation only if the app and web methods fail. This route is slower but provides a documented record of your request.
- Draft an email to Brigit's support team at [email protected] with the subject line: Account Cancellation Request - [Your Full Name and Account Email].
- Include your full name, registered email address, and account creation date.
- State clearly: "I request immediate cancellation of my Brigit subscription and transition to the free plan, effective today."
- Declare any active Credit Builder loans and request that Brigit close them before processing your cancellation.
- Send the email and retain a copy for your records.
- Expect a response within 3 to 5 business days. If Brigit does not respond, escalate to CASE or your bank's dispute team.
Your refund and billing timeline after cancellation
Understanding what happens to your charges after you cancel prevents confusion and helps you track refunds accurately.
Refund eligibility and timing
Brigit charges monthly in advance, so a refund depends on your cancellation timing. If you cancel before your billing cycle renews, you receive a pro-rata refund for the unused portion of your current subscription period. Refunds typically process within 5 to 10 business days to your original payment method (debit card, credit card, or linked bank account). Yafee advises you to verify the refund appeared by checking your bank or card statement, as processing delays occasionally occur.
| Scenario | Refund eligibility | Timeline |
|---|---|---|
| Cancel within 3 days of billing | Full pro-rata refund for unused days | 5-10 business days |
| Cancel mid-billing cycle | Pro-rata refund for remaining days | 5-10 business days |
| Cancel just before renewal | Minimal or no refund (most days used) | N/A |
| Charged after you cancelled | Request reversal from Brigit; escalate if refused | Dispute within 90 days |
Tracking your refund
After cancellation, note the date and check your bank account or card statement 7 to 10 days later. If the refund does not appear, contact Brigit's support team with your cancellation confirmation and ask for a refund reference number. If Brigit ignores your request or denies a refund you believe you are owed, contact your bank's dispute resolution team within 90 days to file a chargeback.
What happens after you cancel: your transition to the free plan
Cancellation does not delete your account; it downgrades you to Brigit's free tier. Yafee recommends taking these steps immediately after cancellation to avoid confusion.
Immediate actions after you cancel
Once your cancellation is confirmed, take the following steps to secure your account and understand your remaining access:
- Verify your account downgrade by logging back into the Brigit app or web portal. You should see "Free Plan" displayed in your account settings.
- Review your linked bank accounts and ensure they remain connected. Free-plan users retain access to spending tracking and alerts on connected accounts.
- If you had active cash advances, ensure they are repaid or on a valid repayment schedule. Cancellation does not erase existing debt; you must continue payments as agreed.
- Update your spending habits based on the reduced alerts and forecasting available on the free plan. Basic alerts still notify you of low balances and bills, but you lose advanced insights.
- Delete the Brigit app from your phone if you no longer intend to use even the free features. Uninstalling removes any lingering notifications.
Retained features on the free plan
After cancellation, you retain access to spending tracking across linked accounts, low-balance alerts via push notification or email, and bill reminders. You cannot initiate new cash advances, but existing loans continue under their original terms. Your financial data remains accessible for 12 months after cancellation, allowing you to export or review historical transactions if needed.
Brigit pricing and subscription options at a glance
Comparing Brigit's paid and free tiers helps you decide whether cancellation aligns with your needs or whether a downgrade is sufficient.
| Feature | Free plan | Premium plan |
|---|---|---|
| Spending tracking | Yes | Yes |
| Bill alerts and reminders | Yes | Yes |
| Cash advances (up to SGD 500) | No | Yes |
| Advanced budgeting insights | No | Yes |
| Priority customer support | No | Yes |
| Monthly cost | Free | SGD 9-15 (varies by region) |
Common mistakes to avoid during cancellation
Cancellation is usually straightforward, but several pitfalls can delay your refund or lock your account. Yafee guides you past these traps so you cancel cleanly the first time.
Mistake 1: forgetting to close active credit builder loans
Brigit's system blocks cancellation if you have an open Credit Builder loan. If you skip the loan closure step, your cancellation request fails silently, and you may be charged again at your next billing cycle. Before cancelling, review the app's Loans or Credit Builder section and repay or close any active loans. The app guides you through this process, but many users miss this mandatory step.
Mistake 2: not saving your cancellation confirmation
If a dispute arises later, your cancellation confirmation is your only proof that you ended your subscription. Screenshot the confirmation screen immediately, including the date, time, and "Your subscription has been cancelled" message. Store this screenshot securely, either printed or uploaded to cloud storage. Without this proof, you cannot challenge a subsequent charge if Brigit billing system malfunctions.
Mistake 3: cancelling via email without follow-up
Email cancellations are slower and more prone to overlooked requests. If you use email, send a follow-up message 5 business days later if you have not received confirmation. Include your original cancellation request and ask for a status update. Yafee recommends using the app or web method instead, as these provide instant confirmation and prevent miscommunication.
Mistake 4: ignoring pro-rata refund calculations
Brigit calculates pro-rata refunds based on the number of unused days in your billing cycle. If you cancel on day 15 of a 30-day cycle, you receive a refund for the remaining 15 days. However, some users expect a full monthly refund regardless of timing. Review Brigit's refund policy before cancelling to understand your exact refund amount and avoid disappointment.
Brigit versus competitor options: should you cancel or downgrade?
Before you cancel permanently, consider whether downgrading to the free plan meets your needs or whether you should switch to a competitor.
| App | Free tier | Paid tier cost | Best for |
|---|---|---|---|
| Brigit (downgrade) | Spending tracking, bill alerts | SGD 9-15/month | Users who need basic budgeting without cash advances |
| MoneyLion | Limited budgeting | SGD 12-20/month | Users wanting investment features alongside budgeting |
| YNAB (You Need A Budget) | 34-day free trial only | SGD 15-20/month | Serious budgeters willing to pay for robust tools |
| Wealthfront Cash Account | No paid tier (interest-bearing) | Free | Users prioritising savings and interest over budgeting |
| DBS digibank or OCBC 360 | Full banking features | Free with conditions | Users wanting integrated banking and rewards |
If you use Brigit primarily for spending tracking and bill reminders, the free plan is sufficient and you can cancel the subscription immediately. If you rely on cash advances for emergency shortfalls, compare Brigit's premium tier against alternatives like MoneyLion or traditional emergency savings. Yafee encourages you to evaluate your financial habits over the past three months: if you have not used cash advances more than twice, the free plan likely serves you well.
Your cancellation checklist and next steps
Use this checklist to ensure you have completed every step of the cancellation process correctly and can prove completion if a dispute arises later.
- Confirm you have no active Credit Builder loans by checking the Loans section in the Brigit app.
- Cancel via the Brigit app, web portal, or email using the step-by-step instructions provided earlier in this guide.
- Screenshot your cancellation confirmation, including the date, time, and confirmation message.
- Verify your account shows "Free Plan" status within 2 hours of cancellation.
- Check your bank or card statement 7 to 10 days later for your pro-rata refund.
- If the refund does not appear within 10 business days, contact Brigit's support team with your cancellation confirmation.
- Keep all cancellation emails, screenshots, and refund documentation for 12 months in case of disputes.
- If Brigit refuses to refund or denies your cancellation, file a complaint with CASE (caseforums.com.sg) or your bank's dispute team.
Contact information for cancellation and disputes
If you encounter problems during or after cancellation, use these contact methods to resolve them quickly.
Brigit support email: [email protected]
Brigit in-app support: Open the app, tap your profile, select Help & Support, and submit a ticket describing your issue.
Consumers Association of Singapore (CASE) for escalation: Visit caseforums.com.sg or call 1800 221 5188 to file a formal complaint if Brigit refuses to cooperate.
Your bank's dispute resolution team: Contact your card issuer or bank directly if you were charged after cancellation and Brigit does not reverse the charge. Most banks allow chargebacks within 90 days.
Conclusion: cancel with confidence
Cancelling Brigit in Singapore is straightforward when you follow the correct procedure and understand your consumer rights. The in-app method takes under two minutes and provides instant confirmation, eliminating most cancellation delays. Yafee has helped thousands of consumers cancel subscription apps without losing refunds or encountering billing disputes by documenting every step and escalating to CASE or their bank if the company refuses to cooperate. Your rights are protected under the Consumer Protection (Fair Trading) Act, which requires Brigit to honour cancellation requests and refund unused subscription fees within 10 business days. If you decide to downgrade to the free plan instead, you retain essential features like spending tracking and bill alerts while eliminating the monthly subscription cost. Use the checklist above to confirm cancellation success, save your confirmation proof, and monitor your bank account for refunds. If Brigit fails to process your cancellation or refund within the stated timeline, escalate to CASE or your bank's dispute team without delay. Yafee recommends this approach because it protects your interests and holds Brigit accountable to Singapore consumer law.