Cleo makes money better.

Money talks. Cleo talks back.

She analyzes your spending, calls out bad habits, and makes you better at money.

Try it out

Talk therapy for your wallet

Cleo 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 Autopilot

Automate your money goals with Autopilot.

Learn more

Smart mind, smart mouth.

Cleo’s intelligent enough to optimize every dollar, and sharp enough to destroy your bad spending habits.

Get Cleo

Save

Say 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 more

The 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 Store
this 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 Store
Definitely 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 Store
There's nothing like getting Roasted by Cleo. Thanks for designing an app that speaks my language.
Kimberly Kunkenmueller, App Store
It’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 Store

Finally, a financial assistant without a fleece vest.

Cleo's Features

24/7, 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 Works

Inside Cleo’s personalized AI.

Building Cleo’s Memory

The tech behind AI memory.

Cleo in the news.

FAQs

What 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 Demo
Select Continue
Search for your bank name*

If you don’t see your bank here, it can’t be connected just yet.

Do you store any of my bank details?

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?

App Store Google Play

¹Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

²Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.

Credit outcomes vary based on individual behavior and credit profile.

Money talks. Cleo talks back.

Cleo gets to know you (and your money).

Get your money off your mind.

More personalized than most people.

Let Cleo’s machine learning
conquer your machine spending.

Automate your money goals with Autopilot.

Smart mind, smart mouth.

Say yes to saving more.

The internet has spoken
(and it likes Cleo).

Finally, a financial assistant without a fleece vest.

24/7, 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 Works

Building Cleo’s Memory

Cleo in the news.

Cleo AI: AI-Powered Financial Guidance Addressing the Young Adult Savings Gap

AI Steps In as Young Savers Struggle to Get Ahead
AI Steps In as Young Savers Struggle to Get Ahead

How Smart Finance Could Help Close The Wealth Gap
The 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.

Women are saving far less than men — and feeling the stress, report finds
Women are Saving Far Less Than Men — and Feeling the Stress, Report Finds

‘It’s risky to be in the UK’ – Cleo founder on unicorn status and City regulation
Barney 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.

My $1bn fintech wants to float — but London’s out of the question
The 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?

Cleo Becomes the First AI Money Coach That Speaks, Thinks and Remembers
Cleo, the world’s first AI financial assistant, today launched its most advanced product yet: Cleo 3.0.

The Psychology Of Better Choices: How Startups Are Rewiring Our Habits

FAQs

What banks does Cleo support?

Do you store any of my bank details?

How do I contact customer support?

Who is eligible for a Cleo Card?

Get Cleo for free now.

Get Cleo for free now.

Money talks. Cleo talks back.

Cleo gets to know you (and your money).

Get your money off your mind.

More personalized than most people.

Let Cleo’s machine learning conquer your machine spending.

Automate your money goals with Autopilot.

Smart mind, smart mouth.

Say yes to saving more.

The internet has spoken (and it likes Cleo).

Finally, a financial assistant without a fleece vest.

24/7, 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 Works

Building Cleo’s Memory

Cleo in the news.

Cleo AI: AI-Powered Financial Guidance Addressing the Young Adult Savings Gap

AI Steps In as Young Savers Struggle to Get AheadAI Steps In as Young Savers Struggle to Get Ahead

How 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.

Women are saving far less than men — and feeling the stress, report findsWomen are Saving Far Less Than Men — and Feeling the Stress, Report Finds

‘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.

My $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?

Cleo 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.

The Psychology Of Better Choices: How Startups Are Rewiring Our Habits

FAQs

What banks does Cleo support?

Do you store any of my bank details?

How do I contact customer support?

Who is eligible for a Cleo Card?

Get Cleo for free now.

Get Cleo for free now.

Let Cleo’s machine learning
conquer your machine spending.

The internet has spoken
(and it likes Cleo).

New features just dropped.
See the latest.

AI Steps In as Young Savers Struggle to Get Ahead
AI Steps In as Young Savers Struggle to Get Ahead

How Smart Finance Could Help Close The Wealth Gap
The 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.

Women are saving far less than men — and feeling the stress, report finds
Women are Saving Far Less Than Men — and Feeling the Stress, Report Finds

‘It’s risky to be in the UK’ – Cleo founder on unicorn status and City regulation
Barney 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.

My $1bn fintech wants to float — but London’s out of the question
The 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?

Cleo Becomes the First AI Money Coach That Speaks, Thinks and Remembers
Cleo, the world’s first AI financial assistant, today launched its most advanced product yet: Cleo 3.0.