Cleo AI: Smart Money Manager

AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.

AI MEETS MONEY

Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).

Want to know how much you spent on takeout last month? Just ask Cleo… maybe this will be what finally gets you to stop overspending.

GET UP TO A $250 CASH ADVANCE (1)

Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:

- No interest (APR)
- No credit checks
- No late fees
- No direct deposit required

SAVE WITH 3.14% APY (2)

Grow your wealth with high-yield savings almost nine times higher than the national average. Think of it as the good kind of interest that accumulates on your savings.

Choose from four mindless Save Hacks: Set & Forget, Roundups, Smart Save, or Swear Jar—where Cleo fines you for spending at your guilty pleasure stores and adds the cash to your savings.

CHALLENGE YOUR SPENDING HABITS

Fix your spending relationship with a custom made challenge. Cleo won’t just tell you you need to cut back on eating out. She gets specific. She keeps your challenge on track by showing you money motivation… like you saved an extra $100 by not visiting Starbucks four times a week.

BUDGET WITHOUT FEELING RESTRICTED

Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.

BUILD CREDIT (WITHOUT A CREDIT CARD) (3)

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
- Credit score coaching
- $1 minimum deposit

ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY (4)
Don’t wait until payday. Unlock your earnings early by setting up direct deposits.

LEGAL STUFF

(1) Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees.

(2) The interest rate on your account is 3.09% with an Annual Percentage Yield (APY) of 3.14%, effective as of 09/18/2025. Rate is variable and