Digit Review (2024 Update): Everything You Wanted To Know!

Welcome to my Digit Review. My goal is to help you understand what the program is all about, how much it costs, if it's a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let's dive in!


This Digit review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

The Good Stuff

  • First Time Savings 
  • Extremely Simple to Use 
  • Rainy Day Fund 

The Bad Stuff

  • The $5 monthly fee 
  • Not available internationally
  • Customer Support is extremely limited

Firstly, Why Am I Writing The Review?

Nice to meet you, my name is Brittney!

My story starts like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job.

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the program that the review is about!

I have absolutely no relationship with J Rich, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.


As a shopaholic myself, I’ve been looking for ways that can help me save more and spend less.

And personally, I’ve seen thousands of “ways” on the internet.

But can an app really help me save money?

That’s the Digit app’s goal. This financial technology company wants to protect your savings accounts by all means. meaning they will help achieve your savings goals and monitor your spending and savings habit habits.

The automation of finances is the foundation of money management. Automation places a premium on cost savings. But how can you make saving automatic so you don’t have to worry about it?

This review will look at Digit to determine whether it is indeed the finest Money Management App available.

But before that…

There are countless information courses floating around the internet. Why? Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income.

Just like Digit. Here’s the hard truth, though…

Most of these programs:

  • Take way more time than you’re led to believe ve
  • May have hidden fees
  • Require you to buy multiple upsells in order to get the “real” information

But most importantly, a lot of these programs just don’t scale.

“Scale” means once you do the work to make a little money, it should get easier to make more money, not harder.

The problem is, that most programs out there make it hard to make money at first, and even harder to keep making money.

In other words, you might be able to make some money in the beginning, but it won’t be sustainable and you’ll end up getting discouraged.

This is the exact opposite of passive income.

When income is truly passive, you do the work upfront, but then you set it and forget it. The money gets made whether you’re working or not. It’s not directly tied to the hours you put in.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple of thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Leasing. 

This is nothing like business type, and that’s probably a good thing.

However, if you’d still like to know more about Digit, keep reading.

What Is Digit?

What Is Digit

Digit monitors your expenditure to determine how much you can save. The money is then transferred from your checking account to your savings account. As a result, you might save money automatically and without even realizing it.

Many new savings applications enable users to save money without altering their spending patterns. Digit is unique in that it is completely automated.

You go about your everyday financial routine as the program takes little sums of money from your bank account. It then saves it.

Now, let’s see how Digit works.

How Digit Works?

How Digit Work

Digit, formerly Hello Digit, is a San Francisco-based company formed in 2013. Users have saved over $2 billion using the software. According to the company, the software saves the average subscriber $2,200 each year.

The major advantage of Digit is that it helps non-savers save. That’s a significant benefit. A recent Go Banking Rates savings study found that 44 percent of people had no savings at all.

If that describes you, Digit is the app for you. It can help you save money without much effort. While only a few hundred dollars per month, it’s a start. After a year, you’ll have $3,000 if Digit saves you $250 per month.

That’s a lot of money if you’ve never saved. More importantly, Digit can help you start saving. People rarely save because they never start. But if you can save passively, it may encourage you to switch from non-saver/debtor to saver/investor.

Sometimes all you need is a little push–and that’s exactly what Digit provides.

Digit Features And Benefits

Digit Features And Benefits

Based on your lifestyle, income, and spending patterns, Digit determines a safe withdrawal amount from your bank account. It accomplishes this without your intervention.

After you sign up for the app and link your bank account, Digit analyzes your spending patterns. (Please keep in mind that Digit does not accept PayPal, Green Dot, or NetSpend.)

Digit is exclusively available to US clients and banks. However, they hope to expand globally in the future. The software can only manage one checking account at a time.

Digit does not have a minimum account balance.

If there is money left over after the review, it will be transferred to your Digit account. The Digit savings algorithm considers five factors when deciding how much money to save:

  • Linked checking account balance
  • Upcoming income, such as paychecks or unplanned income
  • Upcoming bills
  • Recent spending
  • Set any savings controls

Digit reviews your checking account daily for savings. However, savings transfers typically occur twice or three times per week. They also say the average transfer is between $10 and $30. These numbers may differ from what you expect based on your personal spending habits.

Do you use a credit card? Credit cards aren’t supported. Your monthly payments on those cards should be reflected in your checking account, so no worries. The app considers your credit cards indirectly, even if not directly.

Automatic Savings App

Bonus Savings. When you save with Digit for three months in a row, you will receive a 0.10 percent annualized Savings Bonus. The bonus is automatic, and there are no account minimums to qualify. The bonus is paid on a pro-rata basis every three months and based on your Digit account’s average daily balance.

Digit No-overdraft Guarantee. Suppose your checking account balance falls below a certain threshold. In that case, Digit will transfer funds from your savings account to your bank account. However, suppose your checking account is ever overdrawn due to Digit’s automatic savings withdrawals. In that case, Digit will reimburse overdraft fees up to twice. They do, however, promise that an overdraft will be “extremely unlikely.”

Along with savings, Digit plans to launch Direct, a banking service in partnership with MetaBank, later this year.

With Direct, you get spending and bill accounts, as well as a debit card with 55,000 fee-free ATMs. It will also help manage Digit’s other savings features.

The billing account allows you to save money for monthly expenses. They also plan to add a savings section, similar to how goals work in Digit.

Digit Pricing And Fees

Digit Pricing And Fees

digit offers a 30-day free trial of its app. The monthly charge is $5.00 once the free trial period expires. The service may be canceled at any time without penalty.

However, since Digit offers a 0.10 percent annual interest on your investments, you may repay the charge and more.

For quick withdrawals from your digit savings account, Digit will charge you $0.99. In most cases, standard withdrawals are paid into your external account within one to two working days.

Assume, however, that you demand an instant move. In such a situation, by paying the rapid withdrawal charge, you may have the withdrawn funds sent in minutes.

Digit is not currently running any promotions.

Signing Up For A Digit Account

Signing Up For A Digit Account Not A Bank

The Digit app may be downloaded on Google Play or the Apple App Store. To do so, enter your mobile phone number and establish a unique password.

After you download the app, you will link it to your bank account, but you will not be required to submit your bank routing number or personal account number.

The first thing you’ll do when you establish an account is set a checking account minimum balance. Text “Minimum” to Digit to achieve this. Digit suggests a minimum barrier of $200, but the decision is completely yours.

Safe Saving Level: Save Money With Digit

Digit App Review

You’ll start by creating a checking account minimum balance, known as a Safe Saving Level, when you create an account.

Digit suggests a minimum barrier of $200, but the decision is completely yours.

Digit will then evaluate your banking activities and make tiny deposits into your Digit account every few days. The amounts sent will be decided by evaluating your income and spending trends in your checking account, with the Safe Saving Level established by you.

Adding a second user to your account is an option that is available to you. That person will be able to use the account the same way you do, but they will not be able to log in to the administration dashboard and make changes to the account.

However, they will be able to transfer funds to the linked bank account or the connected checking account and view savings balances.

Your Digit Account Has A Rainy Day Fund.

This is the Rainy Day Fund savings account into which your checking account withdrawals will be moved. The idea is to have an emergency fund set up, and Digit will automatically fill this account.

The software does not let you to specify a fund goal or end date, nor does it allow you to remove it totally. You will, however, be able to pause the Rainy Day Finance to fund other savings objectives.

Unlimited Goals

You may establish objectives for any reason, such as an automated emergency fund, a vacation, debt reduction, or saving money for a specified purpose, such as building an IRA or buying a vehicle.

Digit Security

Digit Security

Digit uses cutting-edge security techniques such as anonymization and encryption to protect your investment account data. This involves using 128-bit encryption to secure data transfer, as well as firewalls and other security measures.

Deposits with Digit are FDIC-insured up to $250,000 per depositor.

Mobile Support And Accessibility

Mobile Support And Accessibility

The Digit Mobile App is available on the Apple App Store for iOS devices 10.3 and later, as well as watchOS 3.0 and later, and is compatible with iPhone, iPad, and iPod touch. It’s also available for Android smartphones running 4.4 or above through the Google Play App.

Is Digit A Scam?

scam or legit ggmoney

So, is Digit a scam? Not technically. You can make money with this program, but it’s definitely not as easy as they make it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – it doesn’t scale.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is being forced to grind it out for another 9 months before seeing any “real money,” well…that’s not a great deal, is it?

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing

And you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection are all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

Are There Alternatives To Digit?

alternatives ggmoney

Yes, there are plenty of other business models to choose from if you want to pursue making money online.  Here are just a few:

What Is My Top Recommendation In Making Money Online In 2024?

Digital Leasing

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full-time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.

2) You Own & Control EVERYTHING: With business type, you don’t really own anything. You have no control over the quality of products. You don’t even own your “business”.
Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.
With Digital Leasing, you own the assets, which means you have all the power and all the control.

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple of keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with Digit, you’d probably need to double the number of hours you spend working. Because, again, this program doesn’t scale.

6) Make Money Helping Real People: With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Now, the choice is yours. You could continue browsing, looking at opportunities like Digit which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!