Cleo AI

About Cleo AI

Cleo is an AI-powered personal finance chatbot that connects to users' bank accounts and credit cards to track spending, analyze financial patterns, and deliver personalized money management advice through a friendly, conversational interface. Cleo uses behavioral science and AI to help users build better financial habits—offering spending challenges, roast mode for humorous overspending alerts, and automated micro-savings features that move small amounts to savings based on spending patterns. With over 5 million users, Cleo is particularly popular with Gen Z and millennials who find traditional banking apps impersonal and difficult to engage with.