Cleo Reviews for 2025
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What is Cleo?
Cleo is an AI-powered chatbot that helps you manage your finances, track your spending, set budget goals, save automatically, earn cash-back rewards, and improve your finances.
With a freemium business model, the budgeting app provides users with sound financial insights that aim to change their spending behaviors to facilitate better money management and help users save money. To use the app, first, you will have to link your bank account. It will automatically start tracking your spending, managing your budget, and recommending how much you can save. Additionally, you can play games or get involved in friendly or not-so-friendly chats – it will roast or hype you on your spending habits.
Some of the features available are:
- Track your spending – categorize your spending so you can see where your money goes each month.
- Set a budget – it will notify you when reaching the limit on different budgets.
- Save money automatically – the advanced algorithm will detect how much you can save & move the funds into an e-money account.
- Set goals – it will encourage you to reach your savings targets.
- Cleo Plus – get salary advance and cash back.
- Chat – this is where you will be roasted or hyped on your spending habits.
Found in these Categories
Best For
- Personal
Cleo Pricing
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Cleo Features
- Activity Dashboard
- Drag & Drop
- Reporting/Analytics
- Mobile Access
- AI
- Spending Track
- Budget Creation
- Savings
- Arcade Game
- Credit Builder
User Sentiment - Cleo Reviews
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Engaging and Fun Chatbot Interface
Cleo’s AI-powered chatbot is designed to be humorous and engaging, adding a unique twist to financial management. Users appreciate this friendly approach, making managing money less daunting and more enjoyable.
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Budgeting and Spending Insights
Cleo offers personalized insights into users’ spending habits and helps set budgets in a simple, digestible format. Many users report feeling more aware of their spending patterns, helping them make informed financial decisions.
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Automatic Savings Feature
Cleo’s automatic savings feature, known as “Cleo Wallet,” analyzes spending habits and automatically saves small amounts. Users enjoy this hands-off approach, which helps them build savings without conscious effort.
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Challenges and Motivational Features
Cleo introduces various challenges, like “No Spend” days or weekly savings goals, to motivate users to save and budget more effectively. These features have been well-received as a way to add gamification to financial management.
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Cashback and Rewards Program
Cleo offers cashback and rewards through selected partner merchants, providing users with added value. These rewards help users save money on common purchases, enhancing the app’s appeal.
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Fees for Cleo Plus Subscription
While Cleo offers a free version, several advanced features are behind a Cleo Plus paywall. Some users feel that certain core features, such as financial insights, could be included in the free version to add more value for non-subscribers.
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Limited Investment and Wealth Management Tool
Cleo focuses primarily on budgeting and saving but lacks tools for investment tracking or wealth management. Users looking for a more comprehensive financial overview often find this restrictive and need to use other apps for investment insights.
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Occasional Connectivity Issues
Users report occasional issues with account syncing, which can lead to delays in updated spending insights or missing transaction data. Improving connectivity and syncing reliability would provide a more seamless experience.
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Chatbot Limitations in Complex Queries
While the chatbot interface is popular, some users find it limited in handling complex financial questions or offering in-depth advice. Enhanced AI capabilities for deeper financial insights would improve Cleo’s utility for experienced users.
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Slow Customer Support Response Times
Some users have expressed frustration with Cleo’s customer support’s slow response times, particularly when dealing with account or subscription issues. Faster and more accessible customer service would enhance user trust and satisfaction.
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Cleo Company Details
Company Name
Cleo AI INC
Headquarters
United Kingdom
Website
web.meetcleo.com
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