Cleo is an AI-powered financial assistant designed to help users budget, save, and manage money through conversational chat and smart insights.

A conversational finance companion that helps users understand spending, build budgets, and reach goals—all through chat-based guidance and smart automation.

Cleo integrates with your banking to provide real-time spending categories, cash flow forecasts, and budgeting suggestions. The platform supports goal setting, cashback rewards, and spending challenges while offering reminders and insights through chat.

Key Features & Capabilities

Designed for personal finance without the overwhelm, Cleo uses tone and personality to make money management approachable. It includes premium features like subaccounts, credit score tracking, and detailed analytics.

• Chat-based budgeting and spend categorization
• Savings goals with nudges and feedback
• Cash flow forecasts and bill reminders
• Fee alerts, cashback suggestions, and spending challenges
• Premium tools: subaccounts, credit score tracking, analytics
• Friendly chatbot interface and onboarding experience

Why Users Choose Cleo

Download the Cleo app or sign up online, securely link bank accounts, and begin chatting. Activate savings goals, budget categories, and reminders. Upgrade to premium for enhanced features like subaccounts and financial analytics.

“Cleo makes personal finance feel less intimidating—combining smart insights with personality and humor.”

Getting Started with Cleo

Cleo blends conversational chat with personal finance automation—helping users spend smarter, save more, and stay financially confident.