Oportun: Savings & Loans

44 of 100 · reviews
4.7of 5 · store
289,162ratings on the App Store
500reviews read

An editorial reading of the saved reviews

When Digit worked it was a model 'invisible savings' tool. The algorithm calculated how much could be set aside without touching current expenses. After the rebrand to Oportun, reliability dropped. Bank connections break, withdrawals are blocked without explanation, and goal history is lost. The core idea is sound. Execution has degraded.

Screenshots

What people use it for

People who struggle with self-control and need to 'hide money from themselves.' Requires tolerance for technical failures and slow withdrawals.

What reviews praise

The algorithm intelligently determines a savings amount based on the actual account balance rather than a fixed percentage.
Multi-goal saving with different time horizons gives a clear progress picture.

What reviews complain about

Bank sync regularly breaks and the app continues to move money even without current balance data.
Withdrawals can be stuck for days or weeks without explanation.
Changing your phone number or device can cut off access to saved funds.

What users experience

2 excerpts from the breakdown. These are individual cases, not a verdict on all users.

Edit: I’ve used this company even before the name change. It’s more a pain to use now. It doesn’t update your banking info from your bank often enough so even on boost savings, nothing gets moved from your banking account. It will keep an o

I've had this app and have used it continuously for several years. I use this for savings. I have several goals set, each with their own target savings goals and savings frequency. I have found this app has profoundly helped me step up my savings game.