Meet the no B.S. money app that's helped 4 million people budget better, build credit, and escape their overdraft. Try it for free.
Go to CleoLearn more
Supported accounts:
Personal
Cleo has a Trustpilot rating of 4.0 out of 5, based on 3,759 reviews.
Cleo has an Apple App Store rating of 4.7 out of 5, based on 247,392 reviews.
Cleo has a Google Play Store rating of 4.7 out of 5, based on 141,782 reviews.
A trusted, all-in-one rating that simplifies feedback from across the web.
A weighted average across Trustpilot, App Store, and Google Play. Each source is weighted by its review count, so high-volume sources contribute more to the final score.
Not sure which to pick? Here's how Cleo stacks up against other fintechs.
Download the Cleo app from the App Store or Google Play.
Open accounts, move money, manage cards, and track spending — straight from your phone.
Explore what real users have to say about their experiences with Cleo. These five-star reviews showcase the service and satisfaction that make it a top choice for customers worldwide.
I love Cleo and I would recommend it to anyone….
July 24, 2026
Cleo is great. Excellent at helping not only building your credit but offers helpful advice on how to reach your goals. It’s like having a financial planner at your fingertips!
July 22, 2026
Explore our collection of articles covering Cleo and the wider world of digital finance.
For European SMEs seeking modern financial infrastructure, the choice between Wallester Business and Bunq Business hinges on one core distinction: the need for scalable expense management versus a full-service digital bank.
Read moreIf your business spans countries, currencies, and remote teams, your choice of financial infrastructure can make or break efficiency. In this article, we compare Wallester Business and Wise Business side by side — from card issuance to multi-currency accounts — to help you choose the best platform for your company’s global finance operations.
Read moreChoosing the right spend management tool can make or break your financial efficiency — especially if your business operates across multiple teams, cost centres, or currencies. In this comparison, we break down how Wallester Business and Pleo stack up in features, pricing, and scalability to help you find the best fit for your company’s expense management needs.
Read moreIn the EEA, two popular options are Wallester Business and Revolut Business. Both platforms offer card issuance, team access, and expense tracking features. However, they are not the same.
Read moreWallester Business and Payhawk are both corporate card and expense management platforms. However, there are some significant differences between the two.
Read moreStill have a few things you'd like to clear up? Here are straightforward answers to the questions people most often ask about Cleo.
Cleo is an innovative mobile banking application designed to function as a financial assistant for users who want to manage their personal finances more effectively. This AI-driven fintech platform offers an engaging user interface and utilizes chatbot technology to provide personalized financial advice, budgeting tools, and insightful spending analytics to its customers.
One of the standout features of Cleo is its ability to analyze users' spending habits and transactions, giving them a clearer understanding of where their money goes. The app encourages users to set financial goals, save money, and avoid overdraft fees by sending timely alerts and reminders. Users can interact with Cleo through a conversational interface, making the experience more interactive and user-friendly.
Additionally, Cleo provides features such as automatic savings, where it calculates an affordable amount to save each week, and 'Cleo Score', which is an innovative way to track financial health. The platform may also offer other services such as cashback rewards, salary advances, and a wallet feature to help users manage their daily expenditures with ease.
With security as a priority, Cleo employs advanced encryption and security measures to keep users' data and money safe. The app aims to simplify financial management and empower users to take control of their finances with confidence and ease.
Cleo is currently available to residents of the following countries:
Cleo offers personal accounts.
On the App Store, Cleo holds a rating of 4.7 out of 5 from 247,392 reviews.
On the Google Play Store, Cleo holds a rating of 4.7 out of 5 from 141,782 reviews.
On Trustpilot, Cleo holds a rating of 4.0 out of 5 from 3,759 reviews.
You can sign up for Cleo directly on their website or mobile app. Opening an account usually takes only a few minutes — you'll need a valid ID and a few personal details to get verified.
Go to CleoFrom time to time we’ll send you must-know financial news and the best money-saving tips.
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