Cleo holds a strong 4.4 historical rating from over 200k+ user reviews, reflecting general satisfaction with the app. Recent reviews, however, have been less favorable, giving Cleo a 3.1 rating in the last few weeks (as recent as March 2025). Read on to discover what users appreciate, common concerns, and more.

Users appreciate Cleo's interactive AI that adds a fun element to managing finances, especially the "roast" feature that humorously highlights spending habits. Many find the cash advance helpful during tight financial moments. However, there's a common concern about the unpredictable and often low advance amounts, which sometimes fluctuate without clear reason. A significant number of users report frustrations with customer service, noting difficulty in reaching a human representative and reliance on unhelpful AI responses. Additional complaints include unexpected subscription charges, even after attempting to cancel, and feeling misled about fees and eligibility for advances. While Cleo offers engaging tools for budgeting and savings, issues with customer support and subscription practices are frequent user grievances.

Nearly half of recent Cleo reviews are complaints, which is quite high, and a significant portion of those are very harsh. Unfortunately, Cleo responds to only a tiny fraction of these complaints, leaving most users without a response. When they do reply, their responses are generally neutral and rarely helpful. Cleo needs to significantly improve their customer support and be more responsive to user concerns.

Here are the detailed metrics: