{"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. 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Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments.
AI MEETS MONEY
Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human).
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GET UP TO A $250 CASH ADVANCE
Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:
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SAVE WITH 2.72% APY
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AUTOPILOT
Automate your money moves with Autopilot. Get a custom roadmap to reach your financial destination that adjusts with daily spending, and offers tips and actions to keep you on track easily.
BUILD CREDIT (WITHOUT A CREDIT CARD)
Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with 0% APR, cash advance and score coaching. $1 minimum deposit.
MONEY IQ
Money IQ is Cleo’s weekly quiz game that tests your knowledge about your own spending habits. Answer trivia questions correctly for a chance to win cash prizes up to $4K every week.
DEBT RESET
Cleo collects and organizes your debt into a single easy-to-use dashboard, tells you which payments to prioritize, and creates a plan to help you pay everything off on a sustainable timeline.
VOICE
You can now talk with Cleo through real-time, two-way voice conversations.
LEGAL STUFF
(1) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users can take a max disbursement of up to $170 per day. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing by contacting team@meetcleo.com
(2) The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
(3) Cleo Card issued by WebBank, Member FDIC. Subject to approval.
(4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information.
To qualify for Money IQ, you must have at least (1) bank account connected to the Cleo app with sufficient account activity to generate personalized finance questions. Not available in Rhode Island, see official rules for more information.
(5) Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary.
(6) Early access to direct deposit funds not guaranteed, timing may vary.
The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.
The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.
The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
Cleo is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, Money Lion, FloatMe Cash Advances, Empower, money apps, Cash Advance, Vola, Grid Money, Venmo, Beem, Line Credit, Rocket Money, Possible Finance, CashNetUSA, Rain Cash Advance, Branch paycheck loans, or Gerald payday credit loans app
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