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

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

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

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

A good friend supports you, but an excellent friend tells you exactly where you’re f**king up. Type “roast me” or “hype me” in chat
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Type "rate my spends" in chat 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
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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

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

View transactions and manage connected accounts, including the Cleo Card

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

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

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

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