Grow your

  • Get a 4.11% APY1
  • Set your savings goals
  • Access 4 savings hacks

⭐ ⭐ ⭐ ⭐ ⭐   
130k+ ratings on the App Store and Google Play
Over 5 million users

Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

4.11% APY

Think of it as the good kind of interest. Oh and there’s no APY drop after a certain amount for you $5,000+ savers.

savings goal

Building a pet emergency fund? Create your saving goal by entering the amount you want to save and set your target date.

4 savings hacks

Choose from Set & Forget, Roundups, Smart Save, or Swear Jar—where Cleo fines you for spending at your guilty pleasure stores and adds the cash to your savings.

Up to $3 million FDIC insurance available3

FDIC Insurance is available for funds on deposit through Thread Bank, Member FDIC.

Join 5+ million users who are building a life beyond their next paycheck.
Download Cleo

What are our users saying?4

Awesome app that helps me save more money than I would on my own!”
— Tess W
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Google Play
I love the savings feature. It allows you to use hacks so that you can save and create better habits!”
— Amethyst
⭐ ⭐ ⭐ ⭐ ⭐
App Store
Best app for saving money for your future”
— Kristin K
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App Store

How it works

Create your Cleo account 
2 minutes that's all it takes. 
Pick your saving goal
Go with one of Cleo’s most popular goals or create your own. 
Select your saving hack
Turn on the savings hacks and let Cleo do the savings.
Watch your savings grow
Literally go watch it grow in the savings tab. 


Bank-Level 256-bit Encryption
We use Plaid to connect your bank account and we never store your details. 
Data protection
We never sell your data to third parties. Period.
Secure control
Cleo can only view your transaction data in read-only mode. You control how and when you save.
Still have questions? Find answers below.
What is a high-yield savings account?
What is the savings rate?
What is an annual percentage yield (APY)?
How do I get started with high-yield savings?
Is there a minimum balance requirement?
Is there a maximum balance requirement?
Are there special features to help me save more?
What are the 4 saving hacks?
How does Cleo know how much I can afford to save?
Are there any fees?
How much of my funds are insured?
1 4.11% Annual Percentage Yield (APY) as of 12/01/2023. Rates are variable and subject to change at any time. Account fees may affect earnings. No minimum balance required to obtain stated APY.

Based on the national average savings deposit rate, as of 02/20/2024.

Your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at Thread Bank in the same ownership capacity. You can access the terms and conditions of the sweep program at and a list of program banks at Please contact with questions on the sweep program.

Real review. Individual results may vary. 

5The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings. Cleo is not a bank, Banking services provided by Thread Bank, Member FDIC.