Cleo used to be a little bit of a hassle connecting accounts, needing passwords etc. Now most bank apps have a proper open banking third party integration set up so as long as you can log into your bank apps its easy. You just have to reauthenticate it every couple of months or so.Cleo let’s you keep track of outgoings and income across multiple accounts, which is great if you have several accounts for your household, including savings accounts and credit cards.I think Cleo is designed not to make you worry too much, I think they fear that lots of negative notifications will make you delete the app! I however want to keep tabs on what’s going on as much as possible. I would have the “roast me” and setting on and more notifications 24/7 if that was possible.It would also be great if there were more charts available and making them easier to access on a regular basis. Custom reports would be great.It's a free service and perfectly safe to use.

Update: it asked me to reconnect my bank so I’m trying but it keeps getting stuck on loading screen so now I can’t even use this app and withdraw the remaining money in my savings. Turns out after all this app isn’t very trustworthy as the responses I receive aren’t very helpful and always quite rude. Clearly don’t care about their users really and just after the money which is evidently clear on how their app is running and has been running past couple months. I’ve found this one the best layout so far out of all the savings apps I’ve tried but as for actual use every time I try to withdraw some of my money it says error so I’ll do it again and it says error again to later find out it withdrew it twice which is super annoying because sometimes it doesn’t work at all and other times after all the error messages it turns out it had worked so you’ve got 4 lots coming out your savings. Also when you reach £100 in savings it asks for some verification so I tried to do that and I didn’t get a message or anything saying my ID was ok and so tried talking to the bot to figure out what was going on to later receive an email sounding rather rude ‘cleo hasn't stated that so send a screenshot of it’ when I was only pressing the given replies on the bot chat. There is a lot of kinks in this app but I could see it being great when they smooth it out. Also the game each Saturday I haven’t witnessed any winners via twitter or anything so whether you can actually win money🤷🏻‍♀️ I have answered right a few times and never won a penny so I’m not sure about that either

Love the app. Always had difficulty with budgeting and money and all the other apps just don’t do it for me. The format of this is great and makes becoming financially responsible actually enjoyable. HOWEVER when I started using the app the notifications all worked fine and all there were no issues/errors when messaging with the app. In the last few months it seems to disconnect my accounts a lot so I’m always having to reconnect them and sometimes it doesn’t reply to a request only for me to find out it has done it so I can easily accidentally withdraw or deposit double the amount I meant to etc. I think it would be really useful especially seeing other reviews to do a user survey/questionnaire to find out what the biggest issues are in terms of the bugs etc so you can fix them as it looks like lots of us love the app but the recent months of bugs/issues are putting people off and Cleo has really helped me and I want to be able to recommend it to others!

I had a extremely frustrating experience with Cleo. When I tried requesting an income advance, the app repeatedly threw errors at the step where I needed to confirm my amount, payment date, and card details. Following the troubleshooting guidelines on their own website and app, I deleted my account and started over to fix it.Instead of resolving the glitch, following their own instructions resulted in me being put back into a queue and rendered completely ineligible for services I was previously using. I was essentially penalised for following their guidelines.To top off this completely bizarre and terrible customer support experience, they even sent me a goodie bag, only to turn around and tell me I can’t be their customer anymore!Management refuses to manually review or override issues caused by their own system's glitches and terrible guidance. Poor customer service and support from start to finish. Save yourself the headache and avoid this app at all costs.