Cancel Digit: The Right Way to Reclaim Control

How to cancel Digit and regain control of your savings account

What is Digit and why canadians cancel

Digit is an automated savings service that links to your Canadian bank account and moves small amounts into a separate savings account based on rules you set. The service operates as a subscription, offering a free trial period followed by a monthly fee of approximately C$6.70. Many Canadian users enjoy the hands-off approach to saving, but others decide they want full control over their finances or prefer to use their bank's built-in savings tools instead. At Tocancel, we understand that choosing to cancel isn't a failure-it's about finding the right financial fit for your life.

When Digit may no longer work for you

You might cancel Digit if you prefer to manage savings manually, have reached your savings goal, or find the monthly fee no longer suits your budget. Some users discover they were charged after their free trial ended without realizing the subscription had automatically started. Others switch to their bank's native savings automation features or savings accounts offering higher interest rates. Stopping a subscription you don't use is a financially smart decision, and Tocancel is here to guide you through every step.

Why timing your cancellation matters

The sooner you cancel, the sooner you stop monthly charges from accumulating. Digit bills on a recurring monthly cycle, so the timing of your cancellation request directly affects your next charge date. You should submit your cancellation request at least three business days before your next billing date to reduce the risk of being charged another month. If you miss this window, you may still be charged, and obtaining a refund of that subscription fee is difficult under Digit's policies.

Your consumer rights in canada

Understanding your legal protections empowers you to handle subscription disputes with confidence.

What canadian consumer law protects

Your consumer rights depend on your province or territory, as consumer protection legislation varies across Canada. Unlike some jurisdictions, Canada does not include a universal statutory 14-day withdrawal right for subscription services. However, most provinces require that companies honour their own cancellation processes as stated in their terms of service. This means if Digit's terms promise to process your cancellation request, they must follow through. Your legal position is strong if you can prove you submitted a valid cancellation request through their official channel. At Tocancel, we recommend documenting every cancellation attempt-screenshots, confirmation emails, and the date and time you submitted your request-because this record becomes your evidence if you need to escalate the dispute.

Disputing charges through your bank

If Digit charges you without authorization or continues billing after you've cancelled, you have the right to dispute the charge through your financial institution. Your bank can initiate a chargeback on your behalf, which reverses the disputed transaction and puts the burden on Digit to prove the charge was legitimate. Canadian payment rules protect you when unauthorized charges appear on your account. Contact your bank's dispute resolution department and explain that you cancelled the subscription but were still charged. This process typically takes two to four weeks, and your bank will investigate Digit's response.

When to contact your provincial regulator

If Digit refuses to cancel your account or your bank's dispute process stalls, escalate to your provincial consumer protection authority. In Ontario, contact the Ministry of Government and Consumer Services; in British Columbia, reach out to the Consumer Protection BC office; in Alberta, contact the Fair Trading Act enforcement team. Every Canadian province and territory has an equivalent consumer protection body that handles subscription disputes and can compel companies to honour cancellations. These regulators have enforcement power and can impose penalties on companies that ignore consumer requests. Tocancel has seen these provincial escalations resolve charges within weeks, so don't hesitate to use this tool if Digit refuses to cooperate.

Official methods to cancel Digit

Digit offers specific cancellation pathways, and using the correct method is critical to ensure your subscription actually stops.

Cancellation through the Digit app or website

You must use Digit's official "Close account" or "Cancel subscription" feature within the app or on their website. Simply deleting the Digit app from your phone, uninstalling it from the App Store, or removing your payment method does not cancel your subscription-this is a common mistake that leaves recurring charges running in the background. Logging into your account and formally closing it through the official cancellation option is the only way to stop the billing cycle. After you initiate cancellation, Digit should send you a confirmation email. Save this email as proof that you cancelled on a specific date.

Cancellation by registered mail (alternative method)

If you cannot access the app or website, or if Digit's online cancellation tool fails to work, you have the right to cancel by written notice. Send a cancellation request by registered mail (with proof of delivery) to Digit's registered office address. Include your full name, account email address, the date you want the cancellation to take effect (at least 14 days from the date you mail it), and a clear statement that you are cancelling your subscription. Request a written confirmation of cancellation from Digit. This method creates a paper trail that proves you sent a cancellation request on a specific date, which is valuable if you later dispute a charge. Keep a photocopy of your registered mail receipt as evidence of your cancellation attempt.

Step-by-step cancellation process

Follow these steps to cancel Digit through the app or website method, which is the fastest and most documented approach.

1. Open the Digit app or visit the Digit website and log in with your email address and password.
   • If you've forgotten your password, use the "Forgot password" link to reset it before proceeding.
2. Navigate to your account settings or profile section, typically found in the top right corner or in a menu icon.
   • Look for options labeled "Account", "Settings", "My Account", or a gear icon.
3. Find the "Close account", "Cancel subscription", or "Manage subscription" option.
   • Read any confirmation messages or warnings that appear-these are standard, and you can proceed.
4. Select the cancellation option and confirm your choice when prompted.
   • Digit may ask you to select a reason for cancellation or offer you options to pause instead of cancel-only select "cancel" or "close account" if you want the subscription to end.
5. Wait for a confirmation message on screen, and verify that your account status changes to "Cancelled" or "Inactive".
   • Take a screenshot of this confirmation as proof of your cancellation date.
6. Check your email for a cancellation confirmation from Digit within one to two business days.
   • This email serves as your official record. If you don't receive one within 48 hours, contact Digit's support team to confirm the cancellation was processed.

Your legal position is strongest when you have documented proof of your cancellation request, so complete all these steps and save all confirmation emails and screenshots.

Digit pricing and subscription details

Understanding Digit's pricing structure helps you calculate your savings and plan your cancellation timing.

Digit charges your payment method on the same day each month after your free trial expires. If you signed up on the 15th and your trial was 14 days, your first charge would be on the 29th. To avoid an unwanted charge, cancel at least three business days before this date. If you've been charged and want a refund, your options depend on how long ago the charge occurred and your bank's policies (see the refund section below).

Refund policy and how to recover charges

Your ability to get a refund depends on when you request it and the method you use.

Refunds within 30 days of a charge

If Digit charged you for a month of subscription and you cancelled within 30 days of that charge, you have a reasonable case for a refund under Canadian consumer protection principles. Digit's refund policy is not publicly transparent on most platforms, so you'll need to contact their support team directly and request a refund in writing. Explain that you cancelled the subscription and were unaware that a charge would occur (if this is true) or that the service did not meet your expectations. Keep your request professional and reference the date of the charge and your cancellation request date. Tocancel recommends sending this request both through their app support channel and by email, so you have multiple records of your request.

Disputing charges through your bank

If Digit refuses to refund you or doesn't respond within 14 days, contact your bank and request a chargeback or dispute. You can dispute charges up to 120 days after they appeared on your statement in most Canadian provinces. Your bank will ask you to describe the dispute, and you should explain that you cancelled the subscription but were still charged. Provide the following documents to your bank: screenshots of your cancellation request, the confirmation email from Digit (if you received one), your account statements showing the charge, and any written communication from Digit regarding your cancellation or refund request. Your bank's dispute department will investigate and typically resolves disputes within 30 to 60 days. In many cases, the bank will reverse the charge while they investigate.

When you cannot recover the charge

If more than 120 days have passed since the charge appeared, most banks will not process a chargeback. In this case, you can still file a complaint with your provincial consumer protection office, but recovering the money becomes more difficult. This is why acting quickly matters-the sooner you identify an unwanted charge and dispute it, the higher your chance of recovery. At Tocancel, we encourage you to review your bank statements monthly and flag any subscription charges you don't recognize within the first 30 days.

What happens after you cancel Digit

Knowing what to expect after cancellation helps you verify that the process actually worked.

Confirmation timeline

Digit should send you a cancellation confirmation email within one to two business days of your request. This email will state your account closure date and confirm that no further charges will be made. You should receive this even if you cancelled via the app. If you don't receive a confirmation email within 48 hours, log back into your account to verify that your cancellation went through, and contact Digit's support team if the status still shows as active.

Access to your savings

Your savings remain in your Digit savings account after cancellation. Digit does not freeze or delete your savings when you close your account. You can withdraw your savings through a transfer back to your linked bank account, typically within one to three business days. Log into your account before final closure and initiate a transfer of your full balance, or you can request this transfer after cancellation. Some users prefer to leave their savings in place after cancelling Digit and manage the account passively. The choice is yours-cancelling Digit does not remove your access to the money you've saved.

Final billing and confirmation

Your next billing date will not occur if you cancelled before the recurring charge was processed. If a charge appears on your statement after you cancelled, dispute it immediately through your bank using the chargeback process described above. Check your bank statement for the next two to three billing cycles to confirm no further charges are being made. Tocancel recommends setting a calendar reminder to check your statement 30 days after cancellation, just to be certain the subscription has fully stopped.

Common mistakes to avoid when cancelling Digit

Many users think they've cancelled when they haven't, leaving charges to pile up for months. Being aware of these pitfalls protects your account and your finances.

Deleting the app is not the same as cancelling

The single biggest mistake Canadians make is deleting the Digit app from their phone and assuming the subscription has ended. Removing the app only removes it from your device-it does nothing to stop the recurring billing cycle. Digit's servers still hold your subscription information, and your payment method is still on file. Charges will continue until you formally cancel through the account settings or registered mail. Always use the official cancellation method, never rely on app deletion alone.

Pausing your account instead of closing it

Some users pause their Digit account thinking it will stop charges. A pause typically only suspends the savings transfers for a set period (often 30 or 60 days), but the subscription itself remains active and will resume automatically. When the pause period ends, Digit will resume charging your payment method. If you want to stop all charges, you must close or cancel your account completely, not just pause it. Read any confirmation screens carefully to ensure you've selected "Close account" or "Cancel subscription" and not "Pause".

Missing the three-business-day cancellation window

Digit bills on a monthly cycle, and if you cancel after your billing date has passed, you'll be charged for another month. The three-business-day buffer exists because it takes time for the cancellation request to process on Digit's system. If your billing date is the 15th and you cancel on the 14th, you've made it in time. If you cancel on the 16th, you'll likely be charged again. Check your account to see when your next billing date is scheduled, and submit your cancellation request well before that date.

Not keeping proof of your cancellation request

Without proof, you have no evidence that you actually requested a cancellation. If Digit continues charging you and claims they never received a cancellation request, a screenshot of your confirmation screen or a copy of your registered mail receipt becomes your defence. Take screenshots of every step of the cancellation process, save all confirmation emails, and keep these files for at least six months. This proof is essential if you need to dispute a charge with your bank or file a complaint with your provincial regulator.

Cancellation checklist

Use this checklist to ensure you've completed all necessary steps to cancel Digit successfully.

How tocancel can help you cancel with confidence

Cancelling a subscription should be simple, but companies often make it deliberately difficult. Tocancel exists to cut through the confusion and give you clear, step-by-step guidance for cancelling any service you no longer need. Whether you're dealing with Digit or another subscription, Tocancel provides transparent information about your consumer rights, the legal protections available to you, and the fastest way to stop unwanted charges. Our mission is to help you regain control of your finances and your subscriptions. Tocancel has helped thousands of consumers cancel subscriptions like Digit, recover refunds, and escalate disputes when companies refused to cooperate. Visit Tocancel today to explore cancellation guides for other services and to understand your rights under Canadian consumer protection law.

Contact information and escalation addresses

If you need to escalate your cancellation dispute or file a formal complaint, use the following contact methods and addresses.

Digit support contact

For general support and cancellation confirmation inquiries, contact Digit through their official support channels within the app or website. Digit's primary support is available through in-app chat and email, though response times vary. If you need to send a formal cancellation notice by registered mail, obtain Digit's current mailing address from their website or privacy policy, as addresses can change. Request proof of delivery (Accusé de Réception) when sending registered mail.

Provincial consumer protection offices (Canada)

File a complaint or escalate your dispute to your provincial consumer protection authority if Digit refuses to honour your cancellation or continues charging you.

• Ontario: Ministry of Government and Consumer Services, Toronto, Ontario
• British Columbia: Consumer Protection BC, Burnaby, British Columbia
• Alberta: Fair Trading Act Enforcement, Edmonton, Alberta
• Manitoba: Consumer Protection Office, Winnipeg, Manitoba
• Saskatchewan: Consumer Protection Act Division, Regina, Saskatchewan
• Quebec: Office of the Protecteur du Consommateur, Quebec City, Quebec
• Nova Scotia: Consumer Services, Halifax, Nova Scotia
• New Brunswick: Office of the Attorney General, Fredericton, New Brunswick
• Prince Edward Island: Consumer, Labour and Financial Services, Charlottetown, PEI
• Newfoundland and Labrador: Consumer Advocate, St. John's, Newfoundland and Labrador

Your bank's dispute resolution department

Contact your bank directly through their customer service number (on the back of your debit or credit card) to initiate a chargeback or dispute on a Digit charge. Be prepared to provide your statement showing the charge, the date you cancelled Digit, and any confirmation emails or screenshots you have. Your bank will guide you through their dispute process and timeline.

Cancelling Digit is a straightforward process when you use the official cancellation method and follow the timing guidelines in this guide. You have strong consumer protections under Canadian law, and if Digit refuses to honour your cancellation, you have clear escalation pathways through your bank and provincial regulator. Document every step, act before your next billing date, and don't hesitate to dispute charges if they continue after cancellation. Tocancel is here to support you every step of the way-visit us at Tocancel.com for guides on cancelling other services and understanding your full range of consumer rights.