Introducing Cleo, but smarter
She knows you, she knows your money, and now she also knows pretty much everything else.
Personalized insights
Cleo analyzes your data and spending patterns to offer suggestions that are unique to you and your income.
Personalized insights
Cleo analyzes your data and spending patterns to offer suggestions that are unique to you and your income.
Personalized insights
Cleo analyzes your data and spending patterns to offer suggestions that are unique to you and your income.
Endless possibilities
Cleo is now powered by a system of large language models (LLMs, aka AI masterminds)—meaning you can talk to her about literally anything.
LLM integration
Your conversations with Cleo are smarter, faster, more accurate, and far more detailed now that she integrates multiple Large Language Models (LLMs), like OpenAI’s GPT-4, into her AI. LLMs are trained using incredibly vast bases of knowledge, meaning that now, every time you ask Cleo a question, she scans massive libraries worth of information to deliver the most accurate answer in seconds.
LLM integration
Your conversations with Cleo are smarter, faster, more accurate, and far more detailed now that she integrates multiple Large Language Models (LLMs), like OpenAI’s GPT-4, into her AI. LLMs are trained using incredibly vast bases of knowledge, meaning that now, every time you ask Cleo a question, she scans massive libraries worth of information to deliver the most accurate answer in seconds.
Gamified features
Cleo’s new gamified features use cognitive behavioral techniques to make overhauling your spending habits easier (and more fun).
Challenges
Your worst money habits are put to the test with Cleo’s personalized spending challenges. Incentivize yourself to push past old patterns, with specific savings goals.
Conversation games
Come to understand your money by chatting with her the way you’d text a friend. Swipe past spends like you would on a dating app, and complete interactive quizzes on your transaction history.
Save hacks
Remove the guesswork and mental math from saving money. Choose from five “set it and forget it” hacks, like this user favorite Swear Jar1, that help you save without thinking.
Credit control
Cleo’s credit building tools help you work on your credit, so you can aim for a score your landlord will love.
Credit monitoring
Cleo reviews the way your credit score has changed over time to ensure you’re on the path to a rating you’re proud of.
Credit Builder Card2
A card designed to help you build your credit, not debt. And now,on-time payments are almost impossible to miss when you turn on Carefree Credit Building.
1 Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
2 The Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
Want more control of your money?
Download Cleo