Cleo AI: Smart Money Manager
Cleo AI: Smart Money Manager Summary
Cleo AI: Smart Money Manager is a iOS app in the Finance category, developed by Cleo AI Ltd. First released 6 years ago(Feb 2019), the app has 205.3K ratings with a 4.65★ (excellent) average rating.
Recent activity: 1.9K new ratings this week (17.6K over 4 weeks) with surging momentum. View trends →
Data tracking: SDKs and third-party integrations were last analyzed on Jan 21, 2026.
Store info: Last updated on App Store on Feb 5, 2026 (version 1380059782).
Cleo AI: Smart Money Manager was last scanned for SDKs 2026-01-21. Below is the overview of third party companies detected in the app. The full list of raw SDKs, app permissions and unknown SDKs is available here.
Plaid
Stripe
Intercom
Reachability
Expo
nanopb
Google
Firebase
Branch
AppsFlyer
Facebook4.65★
Ratings: 205.3K
Screenshots
App Description
An AI money coach you can actually talk to. 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).
Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts.
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:
- No interest (APR)
- No credit checks
- No late fees
- No direct deposit required
SAVE WITH 2.72% APY
Grow your wealth with high-yield savings almost nine times higher than the national average.
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 priz