Cleo AI: Manage Your Money

The AI Money Coach you can actually talk to.

Cleo helps you understand your spending, organise your budget, and stay on top of your money, all through just having a chat.

AI MEETS MONEY

Money is complicated. Cleo makes it simple. Just message Cleo and she’ll break down your spending, track bills, and help you stay on top of your budget. Want to know how much you spent on takeaways last month? Just ask, Cleo will tell you… and maybe roast you a little for it.

YOUR MONEY, EXPLAINED IN CHAT

Ask Cleo anything! Like “how much have I spent this week?”, or “what’s left in my budget?”, or “am I on track for the month?”. Cleo responds instantly, turning confusing money things into plain English. Think of her as the friend who actually understands your finances.

CLEO ROASTS YOUR BAD SPENDING HABITS

Wanna find out what your spending really says about you? In Roast Mode, Cleo gives it to you straight so you can get your shit together. Yeah, she might make you feel attacked over your TK Maxx habit but it’s only because she’s looking out for your wallet. After you get the sickest burn of your life, you’ll get a little treat: a “roast receipt” you can share with your friends to see who’s the most cooked.

BUDGET WITHOUT FEELING RESTRICTED

Build a budget that fits your life (yes, even your daily flat white). Cleo connects securely to your bank using Plaid in read-only mode, so she can:

- Show all your accounts in one place

- Break down where your money goes

- Send bill reminders

- Track how much you’ve got left to spend

It makes budgeting easier.

GET YOUR INCOME EARLY

Your life and your paycheque? Not always on the same timeline. When expenses pop up out of nowhere, use Cleo to access your income early. Just subscribe to Cleo Pro and pay an admin fee of £0.99 and get up to £300 of your next paycheque deposited into your account via same-day transfer. No interest, hidden fees, credit check, or impact on your score. Plus, repayment is simple: it’s synced to when your paycheque hits.

LEGAL STUFF

1) Cleo connects to your bank through Plaid using a secure, read-only connection.

2) Cleo does not offer financial advice.

3) Cleo does not offer credit, lending, savings, or interest-bearing products in the UK.

4) Early Income is subject to eligibility and requires a Cleo Pro subscription of £12.99 per month. Your available amount may vary each time based on your accrued earnings, and ranges from £50–£300. A £0.99 admin fee applies per Early Income amount. This product is not regulated by the Financial Conduct Authority. Terms apply.

5) The Cleo Pro subscription offers early income access and Advanced AI features including Voice, Memory, Advanced reasoning, and more powerful models.

Learn more about how we protect your data at meetcleo.com/page/privacy-policy.