Cleo AI
NewAI financial assistant with a conversational personality that helps users track spending and build savings.
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.
Pros
- Conversational AI interface makes financial management engaging and approachable
- Automated micro-savings builds savings habits without manual effort
- Cash advance feature provides short-term liquidity without credit checks
Cons
- US and UK focused—limited availability in other markets
- Advanced features like cash advances require paid subscription
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