Ditch: Pay Off Debt Faster

You gotta pay btw

That’s all

I’m fairly certain this is against Apple’s Developer Program License Agreement. The app refuses to function unless you leave a rating for it in the App Store. It will not proceed past the initial walkthrough until it sees that you have left a rating. Most apps encourage you to leave a rating, and as such they also encourage you to leave five stars, but seeing as this app does that before even letting you try it, I feel that this is completely disingenuous and unethical. It causes the app’s overall rating on the App Store to be artificially inflated and is spam-like behavior used to create fake “trust”. For this reason alone I am rating 1 star, but the 1-star reviews left by other users are also notable and affirm my decision.

Yup it’s not free or low cost

Would have loved to use this app one star because I’m disappointed that none of my accounts can link because they’re not eligible to be paid off with a 3rd party app. So for me it’s useless.

Total scam

First they have hidden fees they don’t disclose until you subscribe. Every transaction cost $1. So you are paying monthly access to the SaaS then get charged a $1 for every payment they make to one of your credits, which discourages frequent payments. Second the first recommended account they pushed for me to make Payoffs on was an account that was paid off and closed two months back and had a $0 balance. The funds got stuck in limbo hell. Third and worst of all, they offered to refund the Payoff that got stuck in limbo via a third party FinTech app that was requiring me to pay a $250/ year annual subscription to claim the refund. Fortunately my bank did a chargeback on the payoff. Truly an awful experience and it’s riddled with AI slop to top all of that off.

Great idea for an app, but costs either $12.99 per month OR $79.99 annually. Someone who is paying off debt won’t want to pay that lol

Really wanted to love this app. But the subscription and the transfer fees are too much. I can easily set up an automated payment each week for my credits cards. This won’t cost me any fees and all my money goes my debt instead of some towards my debt and some towards and app paying it for me.

The app is well designed and works well but charging a monthly/annual fee to use + $1 charge on every transfer for standard bill pay transaction is a little wild. Should be one or the other not both

The app is a great idea in theory. It is so slow to transfer to your debt account that it would be better to calculate it myself and pay it myself without fees and pay less interest and fees doing it myself.

It does not allow me to crest an account. Just see the demo

App sets up by default to calculate what you spend and takes your spare change rounded to next dollar and adda it to a “bank” hold on the ditch account. Once this reaches a 20$ threshold it takes the cash from your payment account to pay off your debt account. What they don’t tell you is they charge a convenience fee on every single transaction with a 1$ minimum. So every time it moves 20$ it charges you 1$ … so roughly 5% fee to operate. I cancelled as soon as i saw this because i had not seen anything about that charge anywhere … plus this is a subscription app to begin with. Pretty shady business practice

The app/subscription is nearly impossible to cancel. Customer services refuses to cancel account, after all steps have been taken, and will withdraw your account. I have also not seen any actual payoff made, although my account was charged

Extremely disappointed with the support experience. Our American Express account was suspended after payments processed through Ditch triggered compliance issues with Amex, and we urgently needed documentation explaining how the payment system works. We’ve tried calling, leaving voicemails, and sending messages through the app, but have received no response at all. For a financial app handling people’s bank accounts and credit card payments, responsive customer support is not optional. Right now we’re facing potential permanent account suspension with Amex and can’t even get a basic explanation letter from Ditch. The app concept is good, but the lack of communication and support when something goes wrong is honestly unacceptable.

I thought this would be a useful way to pay off my debt. It didn’t list the cards I wanted to pay off and therefore I canceled my account the same day. A week later they charged me $93.14 for a service I didn’t use and canceled same day. It’s a little steep for people trying to pay off debt I think. Also make sure to cancel in the app and online AND in your Apple subscription or they’ll still charge you.

What’s the point if I can’t see the effectiveness of the app if there’s not even a small trial period or anything? I would be more willing to subscribe if I could see if it actually works the way I’m hoping it does. Would appreciate if it showed the subscription portion at the VERY beginning before people make accounts so they don’t waste their time if they’re unaware it requires a subscription with no trial.

Very beneficial app but for $10 a month I can easily just scheduled auto payments myself

If you aim to pay $500 off your debt each month, you’ll be paying $29 a month after fees and the subscription cost. Just put that money towards your debt, you’ll be better off. On onboarding: I’m a patient person, I don’t mind long onboardings when it makes sense and the end result is worthwhile. I’ve logged into Plaid and my bank accounts over 20 times, including 2FA, and I am on step 3. Most apps will just require a single Plaid connection. Very, very poor engineering

Hey, cool idea, but I wanted to share some feedback from a developer’s perspective. I don’t understand why the app forces users into a subscription right from the start. While I get that you might rely on premium services (like AI integrations or Plaid), why not adopt a freemium model? It would be great to allow users to explore the app first, even in a limited capacity, to see if it meets their needs before committing to a subscription. For example, you could offer a demo mode to showcase features, like what the Copilot financial app does. Alternatively, you could allow access to basic features to encourage users to explore and feel confident about subscribing. Even offering a 1-2 month free trial could help users experience the app’s benefits without feeling locked out from the start. Overall, I think it’s a good concept, and I appreciate the innovation. However, the onboarding experience feels a bit restrictive with the current paywall. Giving users a chance to see the app in action before subscribing could go a long way in building trust and improving user experience. Best of luck with the app, and I hope you continue growing and expanding to other countries! Thanks for your hard work!

Bummer that I can’t use this app because PNC can’t link with Plaid.

Unable to add accounts, they advertise a trial but immediately charge you, support was unresponsive.

I am trying everything, but I still can’t select the country I live in.