Cleo

Get the appProductsAutopilotCleo CardMoney IQSavingsPlans & pricingAboutCompanyCareersNewsAnnual ReportMoney talks. Cleo talks back.She analyzes your spending, calls out bad habits, and makes you better at money.Try it outTalk therapy for your walletCleo gets to know you (and your money).Get your money off your mind.Cleo tracks your spending, helps you set and meet goals, and adjusts as life moves. No more anxiety or mental math.More personalized than most people. Cleo’s always learning about you and building connection, so money conversations feel more personal (with real personality). Let Cleo’s machine learning conquer your machine spending.Introducing Cleo AutopilotAutomate your money goals with Autopilot. Learn moreSmart mind, smart mouth. Cleo’s intelligent enough to optimize every dollar, and sharp enough to destroy your bad spending habits.Get CleoSaveSay yes to saving more.Commit to a savings1 goal, and Cleo does the rest. Save automatically, earn high interest, and hit your target on your timeline.Learn moreThe internet has spoken (and it likes Cleo).I absolutely love this app! Cleo is definitely on my level when it comes to budgeting. She speaks my language too which makes me feel like I personally know her! 5 stars!!!Ashley Smith, App Storethis app is everything! entertaining and educational! I love the roasts! they let you know exactly where you're messing up! keep up the great work cleo!C Whitworth, App StoreDefinitely a fun way to keep track of your finances. Cleo is funny, but informative! Really enjoying it and the credit building function is really nice!Cody Mobley, Play StoreThere's nothing like getting Roasted by Cleo. Thanks for designing an app that speaks my language. Kimberly Kunkenmueller, App StoreIt’s easy to tuck spending away but the Roast Me option is just genius. Not to mention the easy to use budget tools! So glad I downloaded this app.Kekola, App StoreFinally, a financial assistant without a fleece vest.Cleo's Features24/7, 365. Talk to Cleo anytime. She’ll never leave you hanging, on hold, or on read.No bank-speak. Unlike your bank, Cleo has a good personality. Talk to her like a human.Real feedback. Cleo gives you the smart, brutally honest spending advice you need to hear.Money on airplane mode. Set, forget, and get to your goals.New features just dropped.See the latest.How Cleo WorksInside Cleo’s personalized AI.Building Cleo’s MemoryThe tech behind AI memory.Cleo in the news.JANUARY 20, 2026Cleo AI: AI-Powered Financial Guidance Addressing the Young Adult Savings GapJANUARY 13, 2026AI Steps In as Young Savers Struggle to Get AheadAI Steps In as Young Savers Struggle to Get AheadDECEMBER 11, 2025How Smart Finance Could Help Close The Wealth GapThe wealth gap is one of the defining stories of our time. In the United States, the top 10% of households owned around 70% of all wealth as of 2023.DECEMBER 10, 2025Women are saving far less than men — and feeling the stress, report findsWomen are Saving Far Less Than Men — and Feeling the Stress, Report FindsDECEMBER 9, 2025UK Consumers Say They Are Confident With Money, Yet Hidden Anxiety and Gender Divides Tell a Different Story. AI Can Help Bridge the GapYoung Britons say they feel confident managing their money, yet financial stress runs deep. A new study from Cleo, the world’s first AI financial assistant, uncovers a clear contradiction: 89% of UK adults aged 28 to 40 feel confident about their finances, but nearly one in four say they face significant money anxiety.SEPTEMBER 30, 2025‘It’s risky to be in the UK’ – Cleo founder on unicorn status and City regulationBarney Hussey-Yeo owes a lot to the advice that helped him create a firm that just this year sealed unicorn status with a valuation north of $1bn.SEPTEMBER 21, 2025My $1bn fintech wants to float — but London’s out of the questionThe London Stock Exchange is not fit for purpose, with stifling listings and tax rules, says Barney Hussey-Yeo of Cleo. But are there signs of life?JULY 29, 2025Cleo Becomes the First AI Money Coach That Speaks, Thinks and RemembersCleo, the world’s first AI financial assistant, today launched its most advanced product yet: Cleo 3.0.MAY 2, 2025The Psychology Of Better Choices: How Startups Are Rewiring Our HabitsFAQsWhat banks does Cleo support?To keep your bank info safe, your accounts are linked through Plaid, an API provider.
You can check if Plaid supports your bank by following this link:Select Launch DemoSelect ContinueSearch for your bank nameIf you don’t see your bank here, it can’t be connected just yet.Do you store any of my bank details?No, your bank details are never stored. To keep your info safe, your accounts are handled by Plaid, a trusted API provider that complies with PCI DSS requirements.How do I contact customer support?The fastest way to get help is by asking Cleo. Go to Ask Cleo and type out your issue, or just ask for help. You’ll be directed to the right place based on your specific problem. If your problem can’t be solved in Ask Cleo, you’ll be given a link to the customer support team.Alternatively, you can send the team an email (team@meetcleo.com) or open a live chat within the app. You should receive a reply within a few hours.Who is eligible for a Cleo Card?What age do I need to be to apply for the Cleo Card?You need to be at least 18 years old to apply for the Cleo card
.Do I need to be a US citizen (or resident of a particular state)?While you don’t need to be a US citizen to apply for the Cleo Card, you need a valid SSN, birthdate, and address in order to be approved.
Get Cleo for free now.App StoreGoogle PlayGet Cleo for free now.App StoreGoogle Play1Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.*Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.2Credit outcomes vary based on individual behavior and credit profile. --- Get the appProductsAutopilotCleo CardMoney IQSavingsPlans & pricingAboutCompanyCareersNewsAnnual ReportCleo has big plans for your money.PlusThe essentials you need to take control of your money: cash advance, credit tips and score monitoring, and a personalized Debt Reset plan.$5.99/ monthCredit supportDebt ResetCash advance up to $250ProAdvanced AI that remembers your goals and knows how to achieve them, plus high-yield savings to grow your money faster.$8.99/ monthCredit supportDebt ResetCash advance up to $250Pro adds:High-yield savings with 2.75% APYAdvanced AI coachingBuilderOur most complete financial toolkit and powerful AI. Build credit with Cleo Card and access your paycheck up to 10 days early.$14.99/ monthCredit supportDebt ResetHigh-yield savings with 2.75% APYAdvanced AI coachingCash advance up to $250Builder adds:Cleo CardEarly income accessTry Cleo for free now.App Store Google Play Try Cleo for free now.App Store Google Play The Cleo Plus subscription offers debt tracking, credit score insights, and access to cash advances if eligible. The Cleo Pro subscription offers debt tracking, credit score insights, and access to cash advances if eligible, APY on savings, and AI guidance. The Cleo Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $150-$500 for existing users, and $150-$180 for first-time users. To qualify for up to $500 you must direct deposit at least $750/month. Amounts subject to change. Same day transfers subject to express fees of $3.99-$14.99 based on amount. See our FAQs for more info.Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary.The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider. Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed. --- web.meetcleo.comPerforming security verificationThis website uses a security service to protect against malicious bots. This page is displayed while the website verifies you are not a bot.Verification successful. Waiting for web.meetcleo.com to respond Ray ID: 9e2941fb5a27d10cPerformance and Security by CloudflarePrivacy --- web.meetcleo.comPerforming security verificationThis website uses a security service to protect against malicious bots. This page is displayed while the website verifies you are not a bot.Verification successful. Waiting for web.meetcleo.com to respond Ray ID: 9e2942618ccad10cPerformance and Security by CloudflarePrivacy