Cleo AI

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R19] 5/5 · US Great app: Love the app. Low interest on loans and it helped me when I was in a bind. If you short on funds this is the app you need if you have a checking account. Loan goes through in minutes. This is a life saving app. Thank so much for being there when I need it.
2. [R29] 5/5 · US Always there when you need it: Always help me out when I’m in a pinch
3. [R30] 5/5 · US Two thumbs up: Excellent help for those times u need money in between paydays
4. [R35] 5/5 · US Cleo is the best: Great when you need them they are there.
5. [R3] 5/5 · US Professional, Friendly, & REAL: I appreciate the candid approach to assist the budgeting & expenses in my life! It is displayed so clearly- it’s the BEST plan I’ve ever subscribed to for planning my life and finances! - Thanks Cleo❣️
6. [R31] 5/5 · US Help when needed: This is a great choice to manage budget and resources.
7. [R33] 5/5 · US Great App!: Great app to have. Helps from budgeting to unknown subscriptions you forgot about that you’re still paying on.
8. [R58] 5/5 · US I love this app: I’ve had Cleo for about two years now I love the fact that they give me good advice on how to manage my money
9. [R9] 5/5 · US Cleo review: I love this app and so user friendly thank you
10. [R85] 5/5 · US great app: Cleo is user friendly and always answers my questions and solves any problems I have recommended to numerous friends and family
11. [R89] 5/5 · US Love it: Super easy to use app saved my hide a few times or more
12. [R4] 1/5 · US Pure trash: Couldn’t finishing signing up. Plaid screen wouldn’t pop up to let me connect my bank account. I got stuck on the connect your bank screen, which is frozen. App is useless I see why this app has a 4.7 rating. It’s trash
13. [R5] 1/5 · US Useless: The Plaid window at signup never opens, so there’s no way for me to link my bank or finish signing up. What makes it even more frustrating is that a couple of hours later I received an email reminding me to finish linking my bank and complete my signup, as if the app actually works, lol. This app sucks. Save yourself the trouble!
14. [R7] 1/5 · US Doesn’t work!: The signup process is broken. Tapping “Get started” just buffers “Loading…” and then returns to the same screen. The Plaid window never opens, which makes it seem like the app isn’t generating the required session/token to launch the bank connection screen. This looks like a server-side bug, not a user issue. I couldn’t even finish creating an account. FIX IT! Stole my information.
15. [R8] 1/5 · US Non functional: It’s like they’re selectively choosing who they want to accept as a user. The startup process is bugged. As soon as I got done accepting the terms and conditions and then tried linking my bank account, the get started screen just looped. The plaid banking connection screen didn’t pop up at all. Useless and should be removed from App Store. #don’t-download
16. [R6] 1/5 · US Matthew: They suck I paid my 80 advance and 80 boost back totaling 179 on time and then they cut my advance down to 20 with no boost with explanation and without anything changing feels like robbery
17. [R12] 1/5 · US DO NOT GET!! USE DAVE APP!!: It advertises up to 250$ in advance. when i first downloaded it I only got 50. It went up the second time to 100 and WENT DOWN DRASTICALLY to 30 and now i can only get 20 dollars in advance. I pay every single payment early or on time and I only ever need my date to be pushed back once. AFTER I PUSHED THE PAYBACK DATE IT ONLY GIVES YOU AN ADVANCE FOR 30. I will be clo
18. [R79] 2/5 · US Unfair and a borderline rip off now, used to be better.: It’s a nice app and service, but they used to grant me a monthly $80 cash advance. My income has gone up since I began using the app, but they’ve decide to cut my advance limit by 75 percent down to $20; however the membership fee is the same. Between the membership fee and the transfer fee it’s like paying $30 to borrow $20. Really sours my
19. [R83] 4/5 · US Cash advance: Well i started off at 20 dollars and payed soon as my deposit came and it went up to 70 and I payed it as soon as my deposit came I don’t think it’s fair my advance went back to 20 dollars
20. [R50] 1/5 · US Fees: Used this app cause I was short on cash. But what they don’t say is they charged me fees every where. Gave me little to no area to plan a payback. Also the AI assistant is not very reliable, and doesn’t help at all with my budget. Always has the wrong information and I can’t get it to update.
21. [R62] 5/5 · US Oh yeah: Cool experience advance fee sucks, and the way they get you on the fees for not letting you take one advance instead it’s broken up into BS
22. [R65] 2/5 · US Glitches and fees: Overall, this is a great option in a financial pinch. However, beware of fees. My accounts are connected and there are no connectivity issues. However, whenever I want to cash out and have the funds deposited into my account to avoid outlandish fees, the app glitches and says my account is not connected. Leaving the only option to pay the instant fee.
23. [R67] 3/5 · US Fees on top of fees!: Fees on top of fees! Will only allow you to take a portion of your available advance amount. You get charged a $10.99 fee for each withdrawal. Once you make your first withdrawal you have to wait 24 hours on the dot to request the next one. Not convenient at all.
24. [R1] 1/5 · US No support: No support
25. [R17] 1/5 · US Horrible Customer Service: It took 7 months to actually get a non-canned response. Their team doesn’t know it’s own app they’re supporting… I was legit redirected to their AI which was saying I had to go to them. Goofy. Their team doesn’t care about fixing their own problems. The features the market for their builder plan, like the debt tracking, the credit monitoring, the on-time credit reporti
26. [R49] 1/5 · US No human support: I have requested in 100 different ways for contact information for actual human support. It just constantly routes thru Ai and states there are no human contact direct links. This is ridiculous. Once someone ask for a human interaction the information should be provided even if it is just an email address
27. [R91] 3/5 · US Compassion: I ran into a situation where I wasn’t able repay on my date which was already extended. I wasn’t able to pay do too a death in the family. I was immediately denied the extension. I have an excellent repay history and was shocked to the negative response I received. Also I requested a live agent and the system wouldn’t allow me to access the live agent. Talking to a computer that gives
28. [R257] 3/5 · GB Good premise but it tags the spends incorrectly: I think the idea of this app is great so you can get an idea of where your spend goes but I keep on having to recategorise payments. Even bills that come out monthly that I mark as bills and set as a recurring payment get given random categories. It’s a little frustrating. If you don’t mind going through each transaction (it’s a faff) then the app i
29. [R267] 3/5 · GB Needs some work: Great concept but a strange user interface which misses some basic functions like being able to plan the budget in some kind of table to see what you have left. The budget function is also clunky. Difficult to add new categories
30. [R344] 3/5 · GB Used to be great: I’ve been using Cleo for a few years but the budget system has recently changed and is now next to useless as well and editing it often crashes the app. Since budgeting is pretty much the whole point of the app the whole thing is now pretty obsolete...
31. [R350] 3/5 · GB Helpful, but the budgeting..!!: The overall experience with using Cleo has been really enjoyable and I do like the weekly quizzes which allow you to have a chance of winning money or go into a prize draw. They also help you understand your money more. But I’m sorry Cleo. The budgeting area needs major improvement. I just spent the best part of an hour, trying to sort out a weekly budget. The webp
32. [R442] 3/5 · GB It’s good, but some flaws: Cleo started off very well, and was able to help me budget and save effectively. However, once I wanted to take my savings out, I couldn’t as there “was an error with my account”. I was hoping a quick phone call would be able to resolve this and I would be able to get my money, yet there is no number to call, just a live chat. The staff reply within one day, and usually
33. [R497] 3/5 · GB Easy to save , hard to get your money back: Never easy to withdraw funds from saving account. Money goes in easily but fails to return. Also no quick replies to questions about problems. Long wait for any response should be instant.
34. [R20] 1/5 · US Annoying notifications.: Cleo used to be very good but now the advances got smaller and you have to either deposit your advance in your Cleo card or wait three business days to get part of your advance in your bank.
35. [R11] 1/5 · US Not worth it: Taking my money never used the app
36. [R14] 1/5 · US Don’t use this app: They will trick you into more and more expensive subscriptions offering higher advances and only scam you out of money.
37. [R18] 2/5 · US Sent money to wrong account: I borrowed money and rather Cleo sending it to my main account, it went into an old account now I can’t get my money and Cleo still expect me to pay it!!!
38. [R21] 1/5 · US Scam: Don’t do it just another company keeping track of your money but won’t help you if you need them.
39. [R107] 3/5 · US Inconsistent: I wanted to like Cleo, but the cash advance feature is extremely inconsistent. One advance might be $250, then after repaying it on time and in full, the next available advance suddenly drops to $25 with no explanation. It makes it difficult to rely on the app when the advance amount changes so drastically despite having a good repayment history. If advance limits are based on certa
40. [R134] 3/5 · US AI BOT NOT AGENTS: The oil me hours and so many chats with the stupid bot before I could actually talk to a live person and get the help I needed. Cleo needs to revamp the bot cause it almost made me close my account out. Ian the agent was amazing. He is the only reason yall are getting more than 1 star from me.
41. [R15] 1/5 · US Doesn’t work: I created an account, got all the way to end, but plaid didn’t pop up for me to add my bank account (screen is stuck on get started. I can’t get past that screen). THIS APP IS BROKEN and overly bugged! Support is no help. I deleted this app and reinstalled it multiple times.