What Is Cleo and How Does the Call Me Now Feature Work
Cleo is an AI-powered financial assistant app that connects to bank accounts to track spending, set budgets, and provide real-time insights. The "call me now" feature allows users to interact with Cleo via voice commands through the mobile app, using natural language to ask about balances, recent transactions, and spending categories. The assistant uses on-device and cloud-based AI models to interpret queries and return instant answers, with responses designed to be conversational and actionable. Cleo is developed by Cleo Ltd., a UK-based fintech company founded in 2015, and the assistant is integrated into the main Cleo app available on iOS and Android. The company has raised over $100 million in funding from investors including Sapphire Ventures and Sunley Management, and Cleo currently serves millions of users across the United States and the United Kingdom. More details on Cleo's AI capabilities and product updates can be found on the official Cleo website cleobank.com.
The call me now interaction works by triggering the Cleo voice interface within the app, where users can ask questions such as "how much did I spend on groceries this month" or "can I afford this purchase." Cleo processes the request using a combination of transaction categorization rules and large language models trained on financial data, and it returns a spoken or text-based summary with relevant numbers. The feature does not require a separate subscription, but it is available to Cleo Plus and Cleo Pro users who get additional benefits such as higher savings rates and advanced insights. Cleo uses bank-level encryption and read-only access to connect accounts, and the company states that it does not store bank login credentials on its servers. For security and regulatory context, Cleo operates under the oversight of financial authorities in the jurisdictions where it offers services, and users can review the company's privacy and data handling policies on its official site cleobank.com/security.
Cleo AI Pricing Plans and Core Financial Features
Cleo offers a free tier with basic budgeting, spending categorization, and savings tools, while Cleo Plus and Cleo Pro plans add premium features such as cashback rewards, higher annual percentage yields on savings, and advanced AI insights. The call me now voice assistant is included in the paid plans, giving users a faster way to check balances, set savings goals, and receive nudges about upcoming bills. Cleo's budgeting engine analyzes transaction data in real time and assigns spending categories automatically, allowing users to set custom limits and receive alerts when they approach or exceed those limits. The app also supports savings challenges, where Cleo uses an algorithm to determine safe, incremental amounts to set aside based on spending patterns and account activity. According to public product pages and fintech reviews, Cleo's savings features have helped users accumulate millions of dollars in automated savings since the company launched these tools Forbes Advisor Cleo review.
Cleo Pro users gain access to additional perks such as priority customer support, higher cashback rates on select partner merchants, and more granular financial insights powered by the AI assistant. The app integrates with major banks and credit unions in the United States and the United Kingdom, supporting both personal and joint accounts, and Cleo uses read-only access to avoid any risk of unauthorized transactions. Cleo also offers a "roast" mode and a "hype" mode that use gamified feedback to encourage better spending and saving habits, with the AI adjusting its tone based on user preferences. The company reports that Cleo has processed billions of dollars in transaction data across connected accounts, and it continues to expand its bank partnership network to cover more institutions. Users can compare current plan pricing and feature details on Cleo's official pricing page cleobank.com/pricing