Frequently Asked Questions

How does Digit work?

1. Sign up for Digit and connect your bank account. You won't need your checking or routing number.
2. Digit analyzes your spending and automatically moves money from your checking account to your Digit account when you can afford it.
3. That's it! You save money without realizing it. You don't have to keep a minimum amount in Digit and you can withdraw your money anytime.

Is Digit safe?

Yes. Digit uses state-of-the-art security measures. Your personal information is anonymized, encrypted, and securely stored. All cash held within Digit is FDIC* insured up to a balance of $250,000.

Does Digit cost anything?

A monthly subscription costs $5 and can be canceled anytime.

Does Digit have an app?

Yes, we have an iPhone app and an Android app.

How is Digit different than a recurring bank savings transfer?

Digit doesn't require you to come up with an arbitrary amount to transfer every month. It adapts to you and saves accordingly. Digit learns when and how much is safe to save based on your spending habits.

Do I need a savings account?

Nope. When you sign up for Digit you get your own Digit account which will hold any Digit savings until withdrawn. Any cash held in your Digit account is FDIC* insured up to a balance of $250,000.

How do I access my Digit savings?

You can withdraw from Digit 24/7/365 and as many times as you want per month. Access your Digit savings through our iOS or Android apps or by logging in on

What are Savings Bonuses?

When you save with Digit for 3 consecutive months, your account is rewarded with a 0.10% annualized Savings Bonus. Your Savings Bonus is automatically deposited in your Digit account.

How do I set a savings goal?

Tap "Try adding a personal goal" in the Digit app. Then choose from our suggested goals or create you own. Add a description, emoji for reference, the amount you'd like to save, and when you'd like to save it by and tap "Save". Digit will start setting money aside for your goal.

What can Digit save for?

Anything, really. There's no limit to the number of goals you can set. Use Digit to save for a rainy day, a vacation, or a friend's birthday gift. You can pay down debt or save up money to invest. And you can move your savings to your checking account as often as you wish.

What is Credit Card Debt Reduction?

Credit Card Debt Reduction lets you make automatic payments to any major credit card company with money held in Digit. You can activate Credit Card Debt Reduction by setting a "credit card debt" goal in the app.

What is the Digit no-overdraft guarantee?

You should feel confident in Digit saving only what you can safely set aside. In the very unlikely event your account is overdrawn by Digit auto-saving, we'll reimburse the fees for up to 2 instances of overdraft. You can read more about our policy in the Help Center article on overdraft reimbursements.

Where is Digit currently available?

Digit supports over 2,500 banks and credit unions within the United States.

Does Digit work with banks located outside the United States?

Unfortunately, Digit is U.S. only right now. We plan to expand internationally in the future.

Can I refer friends to Digit?

Yep. And you'll earn $5 for every friend that signs up with your link. Your friend will also earn $5 for signing up as well. You can find your referral link on your profile in the app or by logging in to

Have any other questions?
We're always here to answer them.

Visit the Help Center