{"game_intel_data":{},"featured_reviews":[{"content":"Cleo is an innovative financial assistant app that uses AI to help you manage your money in a fun and engaging way. What sets Cleo apart is its witty, conversational style that makes budgeting and saving feel less like a chore and more like chatting with a clever friend. The app connects securely to your bank accounts and provides insights into your spending habits, offers budgeting tips, and even gives you a playful nudge when you're overspending. One of the standout features is the ability to set saving goals, and Cleo will help you stay on track with them, offering tips and challenges to boost your savings. The app's chatbot is responsive and helpful, with a range of financial tools like a savings account (Cleo Wallet), cashback offers, and a salary advance feature called Cleo Cover. However, the app might not be for everyone. Some users might find the tone a bit too casual or prefer a more traditional financial management tool. Additionally, while Cleo is great for tracking day-to-day spending, it lacks more advanced investment features. Overall, Cleo is a fantastic app for those looking for a lighthearted but effective way to manage their finances. It's particularly suited for younger users who appreciate a bit of humor with their budgeting. **Pros:** - Engaging, conversational interface - Effective budgeting tools and spending insights - Savings goals and challenges - Salary advance feature (Cleo Cover) **Cons:** - Casual tone may not appeal to everyone - Lacks advanced investment feats","version":"1.308.0","date":"2024-08-16T00:00:00Z","rating":5,"app_id":1447274646,"username":"","title":"Best financial app hands down","country":"US","tags":["accessibility","user_data_and_privacy","monetization"],"review_id":11617634118},{"content":"The only app I have that is not free but it’s definitely worth the small price of a subscription for the amount of interactive content and the weekly quiz that you have the opportunity to win a significant amount of money for free to play and get a good amount of knowledge about what you’re doing with your money and the fact that it’s not as easy to get the question right as you would think it is to be able to answer questions about your own spending habits and the result that you could possibly win $4000 dollars every week and the fact that you can be quickly increased in the amount of money that you can access in times of need is faster than any other app that I have experienced so for the few reasons I mentioned above I would say it’s worth the small price to cover the cost of a monthly subscription and the possibility that you can win enough money in a simple weekly quiz to cover the cost of your subscription fee for the next several years is definitely worth it for sure I don’t normally share the invitation link to invite people who probably wouldn’t even know about this app and I do occasionally share the link to the people that I know that would definitely be satisfied with this app for sure","version":"3.32.0","date":"2026-01-20T00:00:00Z","rating":5,"app_id":1447274646,"username":"zdizzle720","title":"Definitely the most interactive money app with added features that are entertaining for sure","country":"US","tags":["monetization","content","gamification"],"review_id":13654306986},{"content":"I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices. \n\nSuggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills. \n\nRight now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see.","version":"1.14.0","date":"2019-07-25T00:00:00Z","rating":3,"app_id":1447274646,"username":"Lina210618","title":"I’m still going to try...","country":"US","tags":["performance_and_bugs","accessibility","monetization","updates_and_maintenance"],"review_id":4512647725}],"related_apps":[{"app_id":1395667279,"app_view_url":"/ios/us/floatme/app/floatme-fast-cash-advance-app/1395667279/","country":"US","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/ba/ac/e2/baace2b5-0b2b-8b2a-789b-e4f83db825c5/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/150x150bb.jpg","name":"FloatMe: Fast Cash Advance 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Ask questions and learn about your finances.<br><br>GET UP TO A $500² CASH ADVANCE<br>Dump your overpriced overdraft. Let Cleo spot you up to $500 (with Builder Subscription, Cleo Card, and direct deposit).<br><br>MAKE YOUR MONEY WORK HARDER<br>Reach your goals through saving and investing. Start saving with just $1, earn up to 2.95% APY,³ and move money when needed. And get matched with a fully-automated, managed investment portfolio provided by Atomic Invest.⁴<br><br>YOUR PERSONALIZED FINANCIAL COACH⁵<br>Cleo builds you a custom roadmap to reach your financial goals and adjusts it in real time.<br><br>BUILD CREDIT <br>Start building credit with the Cleo Card:⁶ no interest, $1 minimum deposit.<br><br>BUY NOW, PAY LATER⁷<br>Buy what you need today, get a repayment plan synced to payday. Rolling out in phases.<br><br>LEGAL STUFF<br>(1) Based on internal Cleo data as of January 2026<br><br>(2) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from 150-500 for existing users, and 150-180 for first-time users. To qualify for up to $500 you must direct deposit at least $750/month. Amounts subject to change. Same day transfers subject to express fees of 4.49-14.99 based on amount. See our FAQs for more info.<br><br>(3) The interest rate on your account is 2.64% with an Annual Percentage Yield (APY) of 2.67% (Free tier) / 2.74% interest, 2.78% APY (Plus tier) / 2.91% interest, 2.95% APY (Pro/Builder tiers), effective as of [today's date]. Rate is variable, based on your subscription tier, and is subject to change after account opening. Minimum deposit of $1.00 is required to open your account. Fees may reduce earnings.<br><br>(4) Cleo is paid by Atomic Invest for referrals, which creates a conflict of interest. Content provided for informational purposes only and not intended as investment advice. All investments involve risk, including possible loss of principal. Investment services provided by Atomic Invest, an SEC-registered investment adviser. Brokerage services provided by Atomic Brokerage, member FINRA/SIPC. More info: www.atomicvest.com<br>The Automated Investing Account is an investment advisory account managed by Atomic Invest. Atomic Invest uses the information you provide about your financial situation and investment preferences to build and manage an automated portfolio tailored to your needs. Atomic Invest uses a custom indexing investment strategy which involves purchasing individual securities that make up a specific equity index. This strategy allows you to have more control and flexibility over your investments, and can offer advanced tax benefits through tax-loss harvesting.<br><br>(5) This product provides financial insights for informational purposes only and is not financial, investment, or tax advice. Recommendations are based upon information you provide. Always review your accounts and exercise judgment when making financial decisions.<br><br>(6) Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.<br>The Cleo Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.<br>Credit outcomes vary based on individual behavior and credit profile.<br><br>(7) Cleo Pay Later Loans are issued by WebBank. Pay Later Loans are subject to eligibility. A one-time Transaction Fee (a prepaid finance charge) applies when you use Cleo Pay Later. Late fees may apply.  Certain merchant, product, goods, and service restrictions apply.  See the Cleo Pay Later Loan Agreement and FAQs for complete terms and details.<br>Cleo Pay Later Virtual Cards are issued by WebBank pursuant to a license VISA U.S.A. Inc. See User Agreement for details. Cleo provides access to financing in the form of installment loans. 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