Looping all your accounts and financial providers into one place

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?”

You can get monthly breakdowns, category comparisons, your most expensive merchants and more by chatting with Cleo

Cleo backtracks 3 months of historic spending transactions to land you a tailor-made budget. 5 minutes after you’ve signed up

You'll get notifications, quizzes, updates, insights and challenges to help you look at money from a different angle

(The “hide money from yourself” feature) Cleo figures out how much you can afford to save each week and sets it aside for you

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

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

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

Seeing your spending = v helpful. But predicting your spends so you’re ahead of your bad habits? Welcome to the future

If you want a little extra Cleo-ness, sign up for the Cleo Plus subscription

Savings for spenders. With cashback, you get click through offers, streak rewards and cold hard cash every time you shop at your regulars

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)

40% of you don’t know your credit score. We’re changing that. And working to raise it while we’re at it

A secured charge card that comes with the Cleo Builder subscription, which, surprise surprise, helps build your credit