Cleo Pro is the paid subscription that gives you access to a smarter, more personalised experience — with advanced AI, hands-free chat, memory, and Early Income.
Here's what you'll have access to:
Advanced AI tools Switch between two chat modes depending on what you need:
Faster — quick answers for everyday questions
More thoughtful — a more powerful AI model for deeper financial analysis
You can choose which mode to use at the bottom of Chat.
Cleo Voice Talk to chat hands-free using your voice instead of typing. Tap the microphone icon in Chat to get started.
Smarter insights with chat memory Chat remembers your previous conversations, spending patterns and goals — so answers get more relevant over time without you having to repeat yourself.
VIP customer support Priority support for Cleo Pro customers.
Early Income up to £300 Access part of your accrued salary before payday. Subject to eligibility.
Also included:
Personalised spending roadmap
Spending analysis and budget
How much does it cost?
Cleo Pro is £12.99/month, billed monthly.
What else do I need to know?
There's a 14-day cooling-off period: cancel within 14 days for a full refund
Cancel after 14 days and you'll have access to all paid features until the end of your billing cycle, apart from Early Income
If your subscription payment fails, you'll keep access to all paid features except Early Income for 7 days. After that, access to all paid features is removed.
Cancel anytime via Subscriptions in Profile
Early Income is subject to eligibility. Your available amount may vary each time based on your accrued earnings, and ranges from £50–£300. A £0.99 admin fee applies per Early Income amount. This product is not regulated by the Financial Conduct Authority. Terms apply.