User reviews affect conversion to installs and app rating. Featured and helpful reviews are the first to be noticed by users and in case of no response can affect download rate. This is why it is highly recommended to reply to them.
I discovered Digit back in March 2018 & I’d be lying if I said I wasn’t skeptical at first. A lot of the negative reviews made me very nervous to try it out when I first started out, but I’m a customer for life, now! Digit helps me make sure that I’m saving money, & I really don’t even notice the money that’s being taken out to be saved. I love how quickly I’ve managed to save money towards individual goals, as well as in general. It’s amazing how much you can save when your funds are being put somewhere that you won’t have immediate access to it. & if you’re concerned about withdrawing funds at any point in time, it’s an absolute breeze. The withdrawal minimum is really helps as well. I have mine set to $50, & they’ve never withdrawn money from my account when my balance is at $50 or below. They also won’t withdraw on weekends, which is always helpful because I can never get an accurate balance on my bank account until Mondays or Tuesdays. Also I could rave & rave for days about the customer service. They’re absolute sweethearts & they’re more than happy to answer any questions you have for them. They don’t make you feel stupid or under appreciated. I would & DO recommend this app to anyone who has trouble saving or anyone who just wants a little help putting some spare money to the side for a rainy day. I promise you that downloading this app will be something you won’t regret!
This app is awesome! The part where is scans your account and saves for you is phenomenal, but you can also manually move funds as well, which is great! In doing so it makes saving mindless and easy while also letting me organize my funds for any large purchases or financial obligations with ease. Withdrawing from digit is simple and easy! You can do it two ways, the first takes a couple days for the money to hit your account after withdraw and that is free of charge, which is awesome! The second, if you need the money ASAP takes only a couple minutes to hit your account, but cost you a dollar. In my mind it’s a dollar... who cares, the total value you receive from the app vastly exceeds the 1 dollar charge for that option or the 3 dollar subscription. Made a whoopsie and over drew? No problem, digit has your back, turn on the overdraft protection in the app (even if you never overdraw your account, it’s a good option to have on), and if it happens digit automatically withdraws from your rainy day fund to cover down on the overdraft, no excess fees. Over all, the app is designed to help you out in as many ways as possible, with financial goals, bigger ticket purchases, financial obligations (rent, mortgage, car payment, etc). High 5 to the developers, you guys a really taking a step in a great direction to help people, keep up the great work!
I love this app, it’s saved me over 5K without me even having to break the bank. Yes they have a monthly fee, but you save a lot more and they give you every 90 days 1% of what you saved. So it’s almost like you’re making your fee back. But, the one thing I don’t like is the algorithm they have for saving money. I had $800 in my actual account where they take it out from, the entire time I had this app (Jan 1st) they haven’t taken out more than $5 each time for all three accounts I have, so more than $15 a day. That’s fine, it’s usually never more than that. But today, for some odd reason, they took out $24 for two accounts and $18 for one. LIKE JESUS! I had my car payment go through and some others that haven’t been taken out of my account but I thought it was fine since they have never taken that much out of my account. For now on when I have my car payment and anything else that is a large payment I’m going to have to suspend the savings for a couple days till they can take my payments out, or just manually take out the savings. It was freaking crazy to see that be saved. And I can’t put it back into my account since I get paid on Friday and it takes multiple days to even get the money when you withdraw it. So watch out on that y’all. I was shocked!
UPDATE: I closed my account and they’re still taking money. I even screenshot Ted the conformation. Your bank likely offers the same service for no more money. Digit makes you wait several business days for money...completely defeating the purpose of a rainy DAY fund. You pay them monthly when you can just pay your bank whatever you pay them anyway. You want a monthly fee but can’t offer instant transfers??? NO. Great concept but in someways, the app seems under developed. The biggest issue is you don’t have an instant transfer to bank account option even though you’re directly linked to my bank account. The reason people save money for rainy days is to be able to access the money on the same rainy day. Not three business days later. You can’t cut off the text messages that send your bank balance to your phone every day without cutting off all text notifications. For many reasons, I do not want my bank balance, as someone holding my phone has already seen that text message come through and that is embarrassing and invasive. In addition, the boost feature is weird and under explained. I’m not trying to boost to get to any goal, I just wanted to save more money. I should be able to do that without having to go through some cliché feature called boost that barely explained and has one sentence in an article under frequently asked questions that was hard to find. This app needs some work.
If I could rate this app zero stars, I would. I signed up for digit and was skeptical that I had to enter my bank account info before I could even see what the app was about. I’ve used other financial apps in the past without it being an issue, so was I unpleasantly surprised when I get my account set up and the first message I get is that they’ve already made a withdrawal from my account without me even having set up my app preferences yet! I decided to remove my bank account and got a message that my saves would be refunded within a few days. Except I never got my money back. So I try to log in to the app to see what I can do and it won’t even let me in without entering bank account info. Against my better judgment I enter account info in for an account I don’t really use and usually has less than $100 in it. BIG MISTAKE as the app then makes ANOTHER withdrawal from that account. I look around and find the “close account” option. Again, tells me that my money will be returned to my account by the 12th. It’s now the 14th, still haven’t gotten EITHER of my “Saves” back into either of my accounts and because I closed my account the only way to get into the app to contAct them is to ... you guessed it... enter my bank info and create a new account. I tried texting and keep getting “your account is pending closure. To reactivate sign in at
▶ Bustle: “I saved more than $200 in a single freaking month using Digit, which I'm pretty impressed by.” 
▶ Business Insider: “I've been using the personal-finance app Digit for nearly 3 years, and it's helped me save $20,000” 
▶ Elle: “Digit is one
of my favorites. It’s an automatic saver. It basically scans your bank account to see how much you can afford to save, and takes money out little by little to create a “rainy day” fund without you even noticing.” 
▶ US News: "The Digit app makes automatic saving a breeze." 
▶ Money Peach: “... I am saving 10x more than I ever was before.” 
JOIN THE SAVINGS REVOLUTION
Save money, pay off debt, and achieve your financial goals without thinking about it. Join the finance revolution that's saved users $1 Billion. Digit is the smart money sidekick that keeps you financially healthy. Every day, Digit analyzes your spending and moves the perfect amount of money from your bank account to your Digit account. In 2017, Fast Company named Digit the second most innovative Finance company.
▶ Digit saves the perfect amount of money everyday based on your income and spending
▶ Save for an unlimited number of goals. Digit tells you the intelligent timeline for achieving them.
▶ Protect your bank account from overdrafts. Digit notifies you when your account balance is low.
▶ Withdraw your money from as often as you like. No fees, no minimums.
▶ Earn 1% annually on your Digit savings. That's 15X more than most savings accounts!
▶ Bank-level SSL 128-bit encryption securely protects your funds and sensitive personal information
▶ Your Digit savings are held at FDIC-insured banks and insured up to a balance of $250,000
Digit is completely free to try for 30 days. After your trial period, a monthly subscription costs $5 and can be canceled anytime.
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