Here’s what Cleo can do:
💎 Account aggregation
Looping all your accounts and financial providers into one place
💬 Instant answers
Chat is at the heart of the app. That's where you can get immediate responses for everything from “can I afford a pizza” to “where can I cut back this month?”
🤸♂️ Tracking
You can get monthly breakdowns, category comparisons, your most expensive merchants and more by chatting with Cleo
🎯 Budgeting
Cleo backtracks 3 months of historic spending transactions to land you a tailor-made budget. 5 minutes after you’ve signed up
👀 Proactive notifications
You'll get notifications, quizzes, updates, insights and challenges to help you look at money from a different angle
🌱 Autosave
(The “hide money from yourself” feature) Cleo figures out how much you can afford to save each week and sets it aside for you
🌎 Goals
Tell Cleo what you want and she'll get you there with plans, targets and guidance to help you save up for anything from a coffee to a car
💰Saving Styles
Round ups, smart saving and if you're feeling extreme...fines. Yep, spend at Uber/McDonalds/whatever your weakness is and Cleo will move up to $5 into your savings
🔥 Motivation
A good friend supports you, but an excellent friend tells you exactly where you’re f**king up. Type “Roast me” or “Hype me” for a boost
🔮 Fortune Mode
Seeing your spending = v helpful. But predicting your spends so you’re ahead of your bad habits? Welcome to the future
Need a bit more help? Cleo Plus features
If you want a little extra Cleo-ness, sign up for the Cleo Plus subscription
⚡️ Up to 7% Cashback
Savings for spenders. With cashback, you get click through offers, streak rewards and cold hard cash every time you shop at your regulars
⏰ Cash Advance
If you qualify, Cleo can cover you for a cash advance to stop you from going into your overdraft (interest free because we hate your bank that much)
👀 Credit Coach
40% of you don’t know your credit score. We’re changing that. And working to raise it while we’re at it
For the overachievers? Cleo Builder features
💳 Cleo Credit Builder Card
A secured charge card that comes with the Cleo Builder subscription, which, surprise surprise, helps build your credit