** Best Money Management App of 2020 ** — This is Money
**Featured App of the Day** - App Store
** Best Budgeting App of 2019 ** — Marie Claire
**Top 20 Financial Apps** – NerdWallet
Track your spending, save money, and crush your goals with Cleo – the AI chatbot making money effortless. Trusted by 3 million users, Cleo helps you money like a boss with powerful tools and cutting-edge tech. Want to know what you can spend on takeout ? Need $100 to get to payday? Or a planing to save up to buy a house? Cleo’s got your back. It’s your money – own it.
Sign up for free in just 2 minutes
By using AI to create personalized smart budgets for every customer, Cleo is helping people improve their budgeting skills worldwide. ‘Can I afford it?’, just ask Cleo. With a spending breakdown, help on bills, practical advice and an actual personality, budgeting like a boss has never been easier. Don’t be someone who lives in denial - get a budget.
Need a little happy getting to payday? Staring your overdraft in the face? Even when you prepare, stuff happens. We get it. That’s why Cleo let’s you borrow money instantly (up to $100 interest free) whenever you need it. But she’s not just a loan app. After you get a quick spot, she’ll also help you build up your own emergency fund and chime in whenever you’re headed for trouble.
As many as you want! Set aside money for a specific thing, or if you just need a better visualization on coffee spending. Want to spend a little more on groceries this week? Cleo shows your spending per category over the last few weeks, so you can set a limit that makes sense (and she’ll update you on how much you’ve got left-to-spend throughout the week).
Saving money is a drag, but not when you’ve got an intelligent AI bot like Cleo dragging you for your spending. With Save goals, hacks and autosave features all experienced through interaction with Cleo herself, you save money fast and have fun in the process. That boring stigma’s broken.
Your credit score is about to get a whole lot healthier. Our credit builder will make looking at your credit report way less scary, and you might even have fun in the process. Leave the confusing credit building to Cleo and Equifax, you focus on feeling good about your money.
Get you an app that does Roast Mode. Sometimes you need to be told you’re a high-flyer, sometimes you need to be rinsed. Thank God Cleo has fun (sometimes), funny (always) personality modes. Heavily including memes, duh.
Cleo helps you feel better about your money. Other ways you can improve your money health:
• Save money automatically based on what you can afford
• New ways to improve your Equifax Credit Score with credit coaching
• Set any goal and Cleo can help you get there
• Avoid your overdraft with an interest free cash advance* up to $100**
• Cashback rewards up to 7%
• Weekly money games and quizzes with cash prizes
• Spendr rates your purchases and removes money stress
*Available with Cleo Plus
**Advance amounts vary depending on eligibility
Cleo uses bank-level SSL encryption to protect your data and your deposits. All savings held in FDIC-insured accounts with protection up to $250,000
Us Weekly: “Cleo makes us feel like money masters, and why shouldn’t we?”
Tech Crunch: “The ‘digital assistant’ that replaces your banking apps…”
Marie Claire: “Like a bank manager without the musty grey suit…”
Forbes: “…Young people trying to make a start in life are in a far worse position than previous generations... So services like Cleo that are distancing themselves from the banking sector and are focusing instead on making finances easier to understand, are a step towards provoking more positive interest...”
Bug fixes & minor improvements. Watch this space.
Ratings and Reviews
It’s kinda crap in my opinion
You do this stupid cool off period and for 7 days when st first it says 5 days so your really not there to help when help is needed and my last loan was paid back 7 days ago today, actually 8 counting the day I paid it back and now it’s still saying check back later today for a advance cause of the cool off period and you shouldn’t be the one deciding what can be handled for paying back!! The people who pay for your services should decide for themselves because they know what they can and can not afford. So making someone wait longer then 7 days to help them when they need the help is ridiculous! Dave only made me wait 3 days so I apparently would of been better off with the Dave app. I only changed to this one because it was more options for money amounts but it seems I made the wrong choice. I will not pay $6 a month to not be able to get help I need when I need it. It’s said since yesterday to check back later. Check in less then a day and it’s been over a day it has said that!! So I should be able to get it now!!
I’m still going to try...
I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices.
Suggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills.
Right now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see.
Could be better….
I’ve used this app for over a year and it was nice to have the change rounded up and saved. However, with apps like Acorn who invests that for you, there really isn’t a point anymore for this feature. This was mainly the reason why I wanted this app to begin with. Now the app itself is okay to run, it’s not so bad. What makes this 2 star worthy isn’t the app itself but the lack of options. Yea it’s funny to have an app roast your spending habits, sure, but it feels like the app keeps your savings in prison or something. You have to wait “3 business days” which I’m guessing excludes Fridays and the weekends. Meaning that if you place a withdrawal on a Wednesday it claims it won’t be in your account until Tuesday!! If you are reading this and are okay with waiting that long, then this app is not so bad. It has some unique features that could be useful but were not useful for me personally. If someone would have told me that their business days are Monday- Thursday I would be less harsh but it’s frustrating when the money is needed and you have to wait almost a week to get it!!! Not to mention it was supposed to be in my account already but somehow was canceled. It’s frustrating to say the very least. If they were to add an instant payout method then that feature alone would easily make my rating 4 stars. Since that isn’t an option and some glitchy stuff happened with my transfer, they will be getting 2 stars from me.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Cleo AI Ltd
- 84.8 MB
- Requires iOS 11.0 or later.
- iPod touch
- Requires iOS 11.0 or later.
- Age Rating
- 9+ Infrequent/Mild Profanity or Crude Humor
- © Cleo AI Ltd
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