Redefining money for the next generation

Cleo defines a new category in consumer fintech. AI-powered, user-led, and built for trust.

Our mission is to change the world’s relationship with money.

Top-tier money management shouldn’t be reserved for the top 1%. And now, it’s not.

Here, AI isn’t a feature. It’s our foundation. Cleo uses cutting-edge AI technology to help you actually understand (and master) your money. Cleo thinks, remembers, coaches, and speaks like a person but scales like software. She delivers the first truly conversational experience in finance.

The impact speaks for itself. Over 85% of new users say they feel better about their finances within just a month of using Cleo. We have been named one of Forbes’ Next Billion-Dollar Startups and called “the only European fintech that’s cracked the U.S.” by Sifted.

Backed by $138M in funding from leading investors like Balderton, EQT, and Sofina, we’re not just growing—we’re building something made to last. Cleo has doubled subscribers every year since 2021 and reached profitability while scaling in one of the most competitive consumer markets to date.

Our path is clear. Cleo is becoming the default financial interface for a generation that expects more control, more clarity and more humanity from both their money and the technology that helps them manage it.

Barney Hussey-Yeo

Founder & CEO

“Finance doesn’t need to be boring; it needs to be human.”

A former data-scientist with an MSc in Machine Learning, Barney Hussey-Yeo launched Cleo from his bedroom in 2016 with a single conviction: the next generation would talk to their money, not tab through it. Nine years on, that bet has scaled into an AI financial assistant that has helped millions of people, scaled to over $200 million in ARR, and grown to a 300+ person team across London, New York, and San Francisco.

Our products are in demand

Cleo is becoming the go-to AI assistant in your pocket. From record-breaking use of the Cleo Card  to new offerings like cashback and marketplace deals, we’re seeing more users dive into our tools to save more, spend better, and take control of their finances.

Cleo’s growing faster than ever

We’ve doubled our revenue, active users, and paying subscribers this year–again, for the fourth year running.  A record number of new users are coming to Cleo to navigate their financial lives, and we’re here for it.