Meet the money app that's got your back

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.

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Updated on Jun 05, 2023. What changed?
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United Kingdom

Alternative mobile banks.

We've got the lowdown on the best European mobile banks. Here are some alternatives to Cleo.

Manage your money on the go.

Download the Cleo app in the App Store or Google Play store. Cleo has an App Store rating of out of 5 (based on 0 reviews).

Cleo has a Google Play Store rating of out of 5 (based on 0 reviews).

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Still have a few things you'd like to clear up? We've put together the following simple answers to questions frequently thought, but rarely asked.

Cleo is a mobile banking app that offers a range of financial management tools to help users track their spending, create budgets, and save money. The app is powered by AI and uses natural language processing to provide users with personalized insights and advice on their financial habits. Cleo also offers a range of other features, including the ability to set savings goals, earn cashback on purchases, and get paid up to two days early with direct deposit. The app is free to use, and Cleo generates revenue through partnerships with financial services providers who offer their products to Cleo users. Cleo is available in the United Kingdom and the United States and has over 4 million users worldwide.

24/7 availability- anytime, anywhere

No matter where you are, at home or abroad, you can access your Cleo account via the app, check your account balance, control your savings, get customer support, make payments and even freeze your debit card if needed. In addition, get real-time notifications every time you make a transaction, so there won’t be any surprises at the end of the month. No need to make appointments, stand in line and lose working hours to manage your finances.

Get approved fast

Opening an account with Cleo is simple, with no lengthy paperwork. Just download the app, prove your identity, top up your account and you’re ready to go. Cleo doesn’t require a copy of your credit history to approve your account, meaning you can open an account and get approved in minutes.

Lower fees

Another main reason to use Cleo is the low (or no!) fees. Cleo has no physical branches, therefore they can offer lower fees than traditional banks – especially when it comes to ATM withdrawals, money exchange/transfer and payments abroad. For example, Cleo offers zero fees on all transactions, including purchases made overseas!

Makes traveling easier

Cleo = borderless banking. Low/no exchange rates and low/no ATM withdrawal fees worldwide make traveling a whole lot easier (and cheaper) than with traditional banks- especially in the eurozone. And for added safety, freeze or unfreeze your debit card while you travel, directly in the app.

Go paperless

One of the frustrating things about traditional banks is the amount of documents, contracts and letters that are sent to your mailbox. With Cleo everything you need is in the app and all communications are sent to your app or your email. Gone are the days of rummaging through piles of paper around your house – and protecting the environment is the cherry on top.

Cleo is currently available for residents of the following countries: Europe United Kingdom

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