Who is Cleo?

A robot (basically)

Written by Roisin Allum
Updated yesterday

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

🌱 Cleo Grow

Cleo Grow is the vice cutting and saving subscription tier, that uses personalized data, challenges and goals to boost the amount you save – and with an added interest rate

🐷 Savings

Cleo will earn in interest on your savings, and supercharge the amount you can put away with Save Hacks

✂️ Habits
​Part of the Cleo Grow subscription, the Habits tab will target your worst spending vices through challenges, and help you to finally start saving

🔥 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

💙 Rate My Spends

Type "rate my spends" to swipe through your latest spends and rate them as worthwhile, regrettable, or unavoidable. Play it often to get a feel for what spends are actually worth the money

🔮 Daily Reading

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

⏰ 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

Start a save goal and earn interest as you go, as well as boosting your savings with Save Hacks and Habits Challenges.

💵 Borrow tab

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

🔥 Habits tab

Start a challenge and finally slice bad spending habits for good

Did this answer your question?