Cleo's AI money assistant — budgeting, roasting, and saving with a chatbot that actually has personality.
Cleo is a UK-born AI financial assistant that connects to your bank and helps you budget, save, and spend smarter — delivered through a chatbot with a sharp, meme-friendly personality. It 'roasts' your spending, sets challenges, and automates savings with round-ups and 'no-spend' streaks. In 2025-2026 Cleo added cash advances and investing, making it a lightweight neobank with an AI front end. It's the rare finance app people actually open daily.
Who it's for: Younger users, gig workers, and anyone who wants budgeting help that feels like a friend (with boundaries) rather than a spreadsheet.
Honest, funny take on your spending habits.
Round-ups and challenges that build savings.
Spending breakdowns in plain language.
Fee-free advances between paychecks (Premium).
Cleo is the most fun way to build better money habits. If you've tried budgeting apps and quit, Cleo's personality is the hook that keeps you coming back.