By Editorial Team
Last Updated: Aug 03, 2025
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We went over the latest 1100 Cleo app reviews in August so you don't have to, and summarized them to tell you what users really think! 🧐
Cleo holds a solid 4.3 lifetime rating from over 220k+ user reviews, showing general satisfaction with the app. However, recent reviews have dipped, with Cleo receiving a 2.9 rating in the last few weeks (as recent as July 2025). Read on to discover what users appreciate, common concerns, and more.
4.3
220K Reviews
Google Play
3.9
83K Reviews
iOS App Store
4.6
137K Reviews
On this page
Table of contents
Users say
Users appreciate Cleo for its budgeting tools and the occasional financial boost through cash advances. Many enjoy the app's humorous approach to tracking spending, especially the 'roast' feature that provides a fun perspective on their habits. However, a common frustration is the low advance amounts, often starting at $20 or $30, despite paying a monthly subscription fee of $5.99 or more. Some users feel misled by having to subscribe before knowing their eligible advance, and in some cases, they aren't offered any advance after paying. Technical issues like difficulty connecting bank accounts and unresponsive app features are also reported. Additionally, customer support is a frequent complaint, with many finding it hard to reach a real person and feeling stuck with unhelpful AI responses.
👎Security & Privacy
👎Subscription Cancellation
👎Subscription Model
👎App Stability
👎Advertising Accuracy
👎Fees & Costs
👎Bank Compatibility
👎Customer Support
👎Approval Process
👎Loan Amounts
Repayment Terms
Funding Speed
👍Ease of Use
👍Budgeting Tools
👍Financial Education
👍Reliability
What users like most
Ease of Use
Many users appreciate the app's user-friendly interface and how it helps manage finances effectively.
Financial Assistance
The app is praised for providing cash advances during financial crunches, helping users when they need it most.
Budgeting Tools
Users find the budgeting and financial tracking features helpful in managing their spending habits.
Common complaints
Customer Support
Many users express frustration with the lack of human customer support and reliance on ineffective AI assistance.
Subscription and Fees
There are numerous complaints about hidden fees, subscription charges, and the difficulty in canceling subscriptions.
Technical Issues
Users report frequent app glitches, connection problems with bank accounts, and issues with app functionality.
Summary by feature
Positive
1%
Negative
99%
Many users express significant concerns about the security and privacy of the Cleo app. They report issues with unauthorized access to their bank accounts, difficulty in deleting personal information, and a lack of transparency in how their data is handled. Several reviews mention that the app feels like a scam, with some users fearing data mining and unauthorized charges. The AI-driven customer support is criticized for being unhelpful and frustrating, often leaving users in a loop without resolving their issues. Overall, the sentiment is overwhelmingly negative, with users feeling uneasy about sharing sensitive information with the app.
App reviews talking about Security & Privacy:
"...Spy in your bank account..."
"...they won’t let you delete any card information or delete your account..."
"...they charge you for stealing your data..."
Cleo customer service
Examining how Cleo replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Nearly half of recent Cleo reviews are complaints, which is quite a lot. Cleo responds to about 46% of these complaints, so over half of unhappy users don't hear back. When they do respond, their replies are mostly neutral, and less than half are truly helpful. Cleo could do more to support their users by addressing complaints more effectively.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
26%
⚠️
Ignore rate
54%
Negative tone
1%
Other apps like Cleo
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4.1
20K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
To access cash advance, verify identity, income, and use Gerald responsibly.
Features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
You must be 18+, a US resident, have a bank account, and pass assessment.
Features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Must be 18+, have regular income, and reside in eligible state.
Features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
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