Cleo has
big plans for your money.
The essentials you need to take control of your money: cash advance, credit tips and score monitoring, and a personalized Debt Reset plan.
Credit support
Debt Reset
Cash advance up to $250
Advanced AI that remembers your goals and knows how to achieve them, plus high-yield savings to grow your money faster.
Credit support
Debt Reset
Cash advance up to $250
High-yield savings with 2.75% APY
Advanced AI coaching
Our most complete financial toolkit and powerful AI. Build credit with Cleo Card and access your paycheck up to 10 days early.
Credit support
Debt Reset
High-yield savings with 2.75% APY
Advanced AI coaching
Cash advance up to $250
Cleo Card
Early income access
The Cleo Plus subscription offers debt tracking, credit score insights, and access to cash advances if eligible.
The Cleo Pro subscription offers debt tracking, credit score insights, and access to cash advances if eligible, APY on savings, and AI guidance.
The Cleo Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $150-$500 for existing users, and $150-$180 for first-time users. To qualify for up to $500 you must direct deposit at least $750/month. Amounts subject to change. Same day transfers subject to express fees of $3.99-$14.99 based on amount. See our FAQs for more info.
Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary.
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.
Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.
Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider. Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.