Cleo is an AI-powered financial assistant that helps users budget, save, and access cash advances through a conversational chatbot interface.
Cleo maintains solid customer approval at 3.9/5 across 149,821 ratings with no recent shift, but internal strain is surfacing. The NeoBase sentiment index has slipped to 55.8/100 (-3.8), driven partly by a workplace-culture allegation citing directionless leadership. Product development momentum - new compliance funding, personnel hires, platform integrations, and UK market re-entry - counters this drag, though headlines alone haven't yet lifted overall perception.
Sentiment index
our score · updated every monthRatings across platforms
★ 3.9 · 150K · 2Where Cleo operates
2 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformApp screenshots
App Store
In the media
brand coverageCleo employees allege toxic workplace culture: ‘Directionless and deeply unhappy’
sifted.eu · 3mo ago
Barney Hussey-Yeo, CEO of AI-powered fintech Cleo, has made headlines for his outspoken nature. The Sheffield-born entrepreneur has spared...
Cleo Appoints Sasha K. as Head of Product – Credit
hrtoday.in · 3mo ago
London, England, United Kingdom, June 2026 – Cleo, the AI-powered financial assistant redefining how people manage money, has announced the appointment of...
Cleo Labs secures €1.5m for global product compliance
fintech.global · 4mo ago
Cleo Labs raises €1.5m to scale its AI-powered product compliance platform globally. Discover what the funding means for RegTech.
CLEO Plugs Its Prop-Focused Platform Into Gold-i's MatrixNET Liquidity Stack
www.financemagnates.com · 5mo ago
CLEO, a trading platform built for crypto and CFD proprietary trading firms, has connected its front end to Gold-i's MatrixNET liquidity...
Cleo Brings AI-Powered Money Management Back to the UK
ffnews.com · 7mo 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...
Latest from social
LinkedIn & FacebookWhat people are saying
mentions on X, Reddit & FacebookCVE-2026-84115 in Cleo Harmony: JWT Refresh Token Handler Flaw Exposes Remote Attack Risk
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.
Compare Cleo with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
Spotted incorrect data on this page? Let us know.