Neobank · GB

Cleo

Q: What can Cleo's AI financial assistant do?

Cleo is an AI chatbot that analyses your bank transactions to give real-time spending insights, budget alerts and personalised financial advice. You can chat with Cleo in plain English to ask things like 'How much did I spend on food this month?' or 'Can I afford this?' It connects to your existing bank accounts via open banking.

Q: Does Cleo offer cash advances?

Yes, Cleo offers cash advances (Cleo Float) of up to $250 with no interest for eligible Cleo+ subscribers. This is available in the US. Eligibility is based on your linked bank account activity — no credit check required.

Q: What does Cleo+ cost?

Cleo has a free tier with basic budgeting features. Cleo+ (subscription) costs around $5.99/month and unlocks cash advances, credit building tools (Cleo Builder), higher savings rates and the Cleo Wallet. Check the current pricing at meetcleo.com.

Q: Is Cleo available outside the US and UK?

Cleo is primarily available in the US and UK, with limited availability in Canada and select other markets. The full feature set (including cash advances) is US-only. Check meetcleo.com for the current list of supported countries.

London, United Kingdom · web.meetcleo.com

Budgeting Savings Credit Students

Cleo is an AI-powered financial assistant that helps users budget, save, and access cash advances through a conversational chatbot interface.

✦ Sentiment OverviewUpdated weekly · Jul 17, 2026

Cleo faces a stark sentiment mismatch: media coverage remains broadly positive around product innovation and leadership moves, yet customer reviews sit at a weak 2.8/5 and sentiment has plummeted 24.8 points week-over-week to 61/100. Internal culture allegations and workplace unhappiness appear to be eroding brand perception faster than recent operational wins (funding, AI rollout, hiring) can offset, signalling reputational damage extending beyond product performance into organisational stability.

Sentiment index

our score · updated weekly

69.6/100

▲ +8.78 vs last week

Reviews · 152,184 ratings72

News50

Mentions—

Where Cleo operates

2 markets

United Kingdom United States

Ratings across platforms

★ 2.8 avg · 140K ratings · 3 platforms

Trustpilot

0.0★

0 ratings

Google Play

3.9★

137K ratings · 70% positive

5M+ installs

App Store

4.6★

3.2K ratings · 90% positive

Rating distribution

All platforms

5★

57% · 79K

4★

14% · 19K

3★

9% · 12K

2★

6% · 8.2K

1★

15% · 21K

Company responsiveness

Replies to reviews

< 1h

Typical reply time

In the media

brand coverage

Cleo Appoints Sasha K. as Head of Product – Credit

hrtoday.in · 1mo ago

London, England, United Kingdom, June 2026 – Cleo, the AI-powered financial assistant redefining how people manage money, has announced the appointment of...

Cleo employees allege toxic workplace culture: ‘Directionless and deeply unhappy’

sifted.eu · 1mo ago

Barney Hussey-Yeo, CEO of AI-powered fintech Cleo, has made headlines for his outspoken nature. The Sheffield-born entrepreneur has spared...

Cleo Labs secures €1.5m for global product compliance

fintech.global · 3mo ago

Cleo Labs raises €1.5m to scale its AI-powered product compliance platform globally. Discover what the funding means for RegTech.

Cleo Brings AI-Powered Money Management Back to the UK

ffnews.com · 6mo ago

Cleo Brings AI-Powered Money Management Back to the UK ... FF NEWS TAKE: Cleo's homecoming moves the needle by proving that personality-driven AI...

Cleo rebuilds their skills frameworks in just 3 weeks

www.revolut.com · 7mo ago

Learn how Cleo used Revolut People to build clear, objective performance frameworks in only three weeks.

Latest from social

LinkedIn & Facebook

CleoLinkedIn· 6d ago · Jul 14, 2026

What does Strategy & Operations actually look like at a fast-growing AI company? In this edition of Cleo Up Close, Jago Reeves, our Strategy & Ops Lead for Financial Services Products, shares what his role is really like, from solving complex challenges to the skills that make the biggest difference. If you're curious about building products, solving tough problems, and helping shape the future of personal finance, this one's for you. Interested in joining Cleo? We'd love to hear from you. Share a few details and apply here: https://lnkd.in/dPFjeuAG

♡ 52💬 1↻ 5

CleoLinkedIn· 2w ago · Jul 9, 2026

Is buying a house in the cards? Cleo can show you how to make it happen. She tells you how much you can afford based on your income and how to save up for a down payment. She’ll even help you build up a little cushion, so you can get yourself some nice furniture, too.

♡ 24💬 0↻ 0

CleoFacebook· 2w ago · Jul 8, 2026

We can't change where you started. We can help change where you're headed.

♡ 1💬 0↻ 0

CleoLinkedIn· 2w ago · Jul 3, 2026

Bills have a habit of showing up when you've forgotten about them. Bills Hub finds your recurring payments automatically and lays them out on a calendar, so you can see what's due and when. No setup. No guessing.

♡ 44💬 2↻ 4

What people are saying

Sample

Marcus BellFacebook· 3d ago

Switched to Cleo and honestly not looking back. The fee transparency alone is worth it.

Elena Fischeru/elenafischerReddit· 4d ago

If you're comparing neobanks in 2026, Cleo keeps coming up in every conversation I have.

Marcus Bell@marcusbellX· 6d ago

Mixed feelings on Cleo lately — love the product, but the latest update changed a flow I relied on.

Aisha RahmanFacebook· 1w ago

Mixed feelings on Cleo lately — love the product, but the latest update changed a flow I relied on.

Léa DuboisFacebook· 1w ago

Cleo raising rates again? Curious how this compares to the competition right now.

Company

Founded2016

HeadquartersLondon, United Kingdom

OwnershipPrivate

Available in2 markets

About Cleo

Cleo was founded in 2016 in London. Its AI chatbot analyzes your spending, creates budgets, offers 'roast' or 'hype' modes to engage with finances, and provides cash advances up to $250. Popular with Gen Z users in the US and UK.

Frequently asked questions

What can Cleo's AI financial assistant do?

Cleo is an AI chatbot that analyses your bank transactions to give real-time spending insights, budget alerts and personalised financial advice. You can chat with Cleo in plain English to ask things like 'How much did I spend on food this month?' or 'Can I afford this?' It connects to your existing bank accounts via open banking.

Does Cleo offer cash advances?

Yes, Cleo offers cash advances (Cleo Float) of up to $250 with no interest for eligible Cleo+ subscribers. This is available in the US. Eligibility is based on your linked bank account activity — no credit check required.

What does Cleo+ cost?

Cleo has a free tier with basic budgeting features. Cleo+ (subscription) costs around $5.99/month and unlocks cash advances, credit building tools (Cleo Builder), higher savings rates and the Cleo Wallet. Check the current pricing at meetcleo.com.

Is Cleo available outside the US and UK?

Cleo is primarily available in the US and UK, with limited availability in Canada and select other markets. The full feature set (including cash advances) is US-only. Check meetcleo.com for the current list of supported countries.

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.