What. Are. You?

A robot (basically)

Written by Roisin Allum
Updated over a week ago

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

Need to find your way around? Cleo app tabs

💳 Spend tab

View transactions and manage connected accounts, including the Cleo Credit Builder Card

📊 Budget tab

Track and manage your budget, including bills, income, savings, and categories

💬 Chat tab

Talk to Cleo to learn about your spending habits through games, insights, and more

🐖 Save tab

Save money into your Cleo Wallet through savehacks, and set up a savings goal or cashback to get there even faster

💵 Borrow tab

The hub for Cleo Plus and Builder's extra features. Manage your cash advance and track your credit score here

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