APP
OF THE
DAY

The virtual financial adviser you can text.

Cleo: Up to $250 Cash Advance

Save Money & Build Credit

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You know that friend you text for a reality check when you’re about to splurge on something? Well, imagine if they offered informed guidance based on your actual finances. For that, there’s Cleo—a virtual financial adviser you can text anytime.

After you link your debit and credit card accounts to the app (Cleo uses bank-level security and offers a $250,000 protection pledge), Cleo can help set a budget, build a savings account, and better understand your spending habits.

Cleo makes chatting about your finances fun and enlightening.

And you can access this insight by simply asking. For example, type, “How much did I spend on groceries last month?” or “Is this $100 pair of boots in my budget?” and you’ll get an immediate response, informed by your current financial situation.

Feeling brave? Text “roast me” and Cleo will get brutally, hilariously honest about your spending. That daily $5.50 latte habit? Yeah, she sees it, and she’s got just the right GIF to tease you about it. It’s a fun way to face your questionable habits dead on—and maybe, just maybe, start making coffee at home.