Cleo App Reviews

Subscribed to this for a few weeks to see whether it would be helpful in managing expenses and providing easy insight into spending. The AI is practically useless, it can’t retain any information, so consistently asks you to manually allocate the same payments each time you open the app - pointless.

I had a extremely frustrating experience with Cleo. When I tried requesting an income advance, the app repeatedly threw errors at the step where I needed to confirm my amount, payment date, and card details. Following the troubleshooting guidelines on their own website and app, I deleted my account and started over to fix it. Instead of resolving the glitch, following their own instructions resulted in me being put back into a queue and rendered completely ineligible for services I was previously using. I was essentially penalised for following their guidelines. To top off this completely bizarre and terrible customer support experience, they even sent me a goodie bag, only to turn around and tell me I can’t be their customer anymore! Management refuses to manually review or override issues caused by their own system's glitches and terrible guidance. Poor customer service and support from start to finish. Save yourself the headache and avoid this app at all costs.

I rarely leave negative reviews, but my experience with Cleo support has been incredibly frustrating. I originally contacted support because my account was showing incorrect information about my Early Income eligibility. I was given multiple conflicting explanations by different agents and was eventually advised to delete my account and create a new one. After following the advice provided by Cleo support, I found myself in a worse position than before. I then had to explain the entire situation repeatedly to different agents, many of whom appeared to have no understanding of the previous conversations or advice that had been given. The most frustrating part is that support acknowledged there had been issues with the information provided, escalated my complaint to a specialist team, and told me I would receive a response within 1–3 business days. Several days later, I am still waiting for an update. The app itself can be useful, but my experience with customer support has been disappointing. Being given conflicting advice, told to take actions that negatively affected my account, and then being left waiting for a response to a formal complaint is not the level of service I would expect. I hope Cleo reviews its support processes and communication, because customers should be able to rely on the information they are given.

Really good advice and support

It keeps saying “time for self care” and refuses to open I haven’t even used the app once because it tells me to link my bank account and I press link and it does nothing

I upgraded to Cleo Pro mainly because of the Early Income feature, but unfortunately I’ve had essentially the same problem that many other recent reviewers seem to be experiencing. I connected the Nationwide account where my regular income is paid, but Cleo still said it needed to see more income and asked me to connect another bank account. I then connected additional accounts, but it made no difference. If Cleo can already see the account where someone’s regular income arrives, I don’t understand why continually connecting more accounts should be necessary. Not everyone receives income into several different bank accounts. Most people quite reasonably have their main income paid into one account. The eligibility system therefore seems flawed if it keeps responding by asking for more accounts even after the relevant income account has already been connected. What makes this particularly disappointing is that Cleo offered advances to UK customers years ago, before taking a long break from the UK market, and the process seemed much more straightforward then. Technology and Open Banking should be considerably more advanced in 2026 than they were when Cleo first introduced advances in the UK in 2019, before leaving the UK market in 2022, yet the current process seems to involve more hoops: paying a fairly expensive monthly Pro subscription first, connecting bank accounts, then potentially being told Cleo still cannot see enough income. I have now also seen that Early Income is apparently so popular that Cleo Pro is full and new customers are being put onto a waitlist. Perhaps Cleo should concentrate on improving the eligibility and income-detection system for existing customers before encouraging even more people to join for Early Income. I don’t expect everyone who subscribes to automatically qualify for an advance, but the process should at least be transparent. If someone is simply ineligible based on the income Cleo can already see, say that clearly. Repeatedly telling customers to connect more accounts makes it seem as though something is missing when there may be no other income account to connect. Early Income was the main reason I upgraded, so after giving the system a chance and getting nowhere, I decided there was little reason to continue paying for Pro.

keep deleting the budget after you make it and the AI has absolutely no ability to understand or label anything correctly, thinking that recurring different payments to various businesses that start with the name of the city I live in are a sub subscription and refusing to believe me when I say they’re not, having absolutely no option to customise savings, I’m just generally being really really bad don’t download this. It’s a total waste of your time, and I can’t think of anything better than a spreadsheet. You’re better off with the spreadsheet. This is a waste of time. A service like this is never going to work. I’ve been put off by it for life and never strongly encouraged anyone else to use it.

I subscribed mainly because of the cash advance feature, but the eligibility system was incredibly frustrating. My wages are paid into my main bank account, which I connected to Cleo, but I was told there wasn’t enough income and was asked to connect more accounts. I then connected around six different bank accounts and Cleo STILL kept telling me it needed to see more income. How is that supposed to work for someone who only has one bank account, or quite reasonably only receives their income into one account? The whole system seems flawed if connecting the account where your wages are actually paid isn’t enough. Looking through recent reviews, I can see I’m far from the only person having problems with eligibility and bank connections. I cancelled my subscription within 14 days because I couldn’t justify paying for a service when the main feature I wanted was effectively unusable. If you subscribe primarily for the cash advance and immediately run into the same endless “connect more accounts / show more income” problem, I’d recommend checking the cancellation terms rather than continuing to pay and hoping it eventually works. A paid financial app shouldn’t require customers to keep connecting account after account just to prove income that is already clearly visible in their main bank account.

Fast cash out

Very good app help me get money back and overall very easy to use and link your bank account to Cleo is very simple

Absolutely terrible tried 5 times now and still waiting

This didn’t work for me, didn’t recognise any of my regular bills, utilities, mortgage etc