Looking for the Digit app? It’s not around under that name anymore.
Oportun bought Digit, and if you type digit.co into your browser today you land on Oportun’s savings page. The automatic savings tool lives on as Set & Save inside the Oportun app, and it costs $5.99 a month, or $47.88 a year, after a 30-day free trial.
The short answer
- Digit the brand is gone. Its auto-save feature is now Oportun Set & Save.
- Price: $5.99 a month, or $47.88 a year paid up front, after a 30-day free trial.
- In 2022 the CFPB fined Digit $2.7 million over overdrafts its auto-save caused and interest it kept.
- If you just need a savings habit, a free automatic transfer at your bank does the same basic job.
What happened to Digit?
Oportun, a fintech company, announced it had finished buying Digit on December 22, 2021.
Today the digit.co address simply forwards to oportun.com/savings, and the product you’re looking for is called Set & Save.
But there’s one more part of the story worth knowing before you hand any app access to your checking account.
On August 10, 2022, the Consumer Financial Protection Bureau ordered Hello Digit to pay a $2.7 million penalty. The CFPB found Digit’s auto-save algorithm caused overdrafts even though the company promised it wouldn’t, that Digit often turned down requests to reimburse those overdraft charges, and that it kept interest it had told customers it wouldn’t keep. Digit also had to pay back the overdraft claims it had rejected.
Watch your checking balance
Any app that pulls money out of checking on its own schedule can leave you short when a bill or a student loan autopay hits. Keep a cushion in checking for the first couple of months, and turn the app off if it ever pulls more than you can spare.
How Oportun Set & Save works now
You link your bank account and Set & Save learns your income and spending. Then it moves money into your savings goals at the amounts and times it thinks make sense, based on things like when your bills are due.
You can’t tell it how much to save or when. That’s the whole idea. You can add money yourself with a manual transfer, though.
| Detail | What Oportun says |
|---|---|
| Price | $5.99 a month, or $3.99 a month billed annually at $47.88 |
| Free trial | 30 days, cancel anytime |
| Who decides the amount | Set & Save does. You can’t schedule saves, but you can add money manually |
| Getting your money out | Standard withdrawals to your linked checking usually take 1 to 5 business days. Instant withdrawals may cost 99 cents if your bank supports real-time transfers |
| Is it a bank? | No. Oportun is a financial technology company. Savings are held at partner banks |
| FDIC insurance | Eligible for pass-through FDIC insurance up to $250,000, if certain conditions are met |
One thing the Set & Save page never mentions is interest. If you want your savings to earn something, a high-yield savings account is the better home for them.
Is Set & Save worth paying for?
Bottom line: only if you truly won’t save any other way.
Example: what the yearly plan costs you
- Yearly price
- $47.88
- Saved per month (assumed)
- $50
- Saved per year
- $600
- Price as a share of what you save
- 8%
How we got it: $50 times 12 is $600, and $47.88 divided by $600 is about 8%. The $50 a month is an assumption for illustration.
A $50 automatic transfer from checking to a savings account at your own bank saves the same $600 for $0, and a high-yield account pays you interest on it too.
So if you’ve tried that and you always end up moving the money back, then paying for an app that decides for you can make sense. Just know what you’re paying for.
Apps like Digit
If you liked the idea of Digit but want something else, here’s how the main options compare.
| App | How it saves | Price |
|---|---|---|
| Oportun Set & Save | Decides the amount and timing for you | $5.99 a month or $47.88 a year |
| Qapital | Rules and goals you set, like part of each paycheck | From $3 a month, 30-day free trial |
| Acorns | Rounds up purchases and invests the change | From $4 a month |
| Your own bank | A recurring transfer you schedule | Free |
Qapital is the closest match if you want to set your own rules. Acorns is different, because it invests your round-ups, so the balance can drop. That’s fine for long-term money but not for an emergency fund.
We compare more options, free ones included, in our list of money saving apps.
Paying off student loans? Do this first
If you have federal Direct Loans, autopay is a better automatic habit than any savings app. Borrowers on autopay get a temporary 1% interest rate cut through June 30, 2028, up from the usual 0.25%.
After that, a small emergency fund comes first, then extra payments on your highest-rate loan. You can see how much faster you’d finish in our student loan payoff calculator, and our budget app picks help you find the extra money in the first place.
Digit app questions
The Digit name is gone, but the automatic savings tool still exists. Oportun bought Digit, digit.co now forwards to Oportun’s savings page, and the feature is called Set & Save inside the Oportun app.
It costs $5.99 a month, or $47.88 a year if you pay annually, which works out to $3.99 a month. There’s a 30-day free trial first, and you can cancel anytime.
Oportun isn’t a bank. It holds savings at partner banks, and Oportun says the money is eligible for pass-through FDIC insurance up to $250,000 if certain conditions are met.
Qapital is the closest if you want to set your own saving rules, starting at $3 a month. If you’re fine scheduling it yourself, a free recurring transfer to a high-yield savings account at your bank costs nothing.
Sources (6)
We use primary sources wherever we can: Federal Student Aid, the U.S. Department of Education, the IRS, federal regulations and each company’s own site.
- Oportun. Set & Save. oportun.com. Accessed October 22, 2026.
- Oportun. Oportun completes acquisition of Digit, a neobanking company and platform. investor.oportun.com. Accessed October 22, 2026.
- Consumer Financial Protection Bureau. CFPB takes action against Hello Digit for lying to consumers about its automated savings algorithm. consumerfinance.gov. Accessed October 22, 2026.
- Qapital. Pricing. qapital.com. Accessed October 22, 2026.
- Acorns. Pricing. acorns.com. Accessed October 22, 2026.
- U.S. Department of Education. Department extends enrollment period for student loan interest rate reduction. ed.gov. Accessed October 22, 2026.
