The short answer
CLEO AI INC represents a monthly subscription fee (Cleo Plus or Cleo Credit Builder) or cash advance recovery from Cleo, an AI-powered conversational budgeting assistant designed for financial tracking, salary advances, and credit building.
Check this first
Cleo AI Inc. provides a mobile finance application featuring a conversational AI assistant that analyzes checking account transactions, categorizes discretionary spending, and delivers interactive budgeting advice. If you see CLEO AI INC, MEET CLEO, or CLEO PLUS on your bank statement, a recurring monthly plan fee or salary advance repayment was debited.
While Cleo offers a free budgeting chat service, access to interest-free cash advances up to $250 requires a paid subscription to Cleo Plus ($5.99 per month). Cleo also offers the Cleo Credit Builder Card tier at $9.99 or $14.99 per month. These plans renew automatically every thirty days from your linked debit card or bank account.
When you take a salary advance through Cleo, the company schedules a repayment debit on your next anticipated payday. If you choose an expedited express transfer to receive your advance funds within hours, an additional express fee ($3.99 to $9.99) is bundled into the repayment or billed separately.
If you authorized the app
- A recurring $5.99 monthly Cleo Plus subscription fee for cash advance access.
- A recurring $9.99 or $14.99 monthly Cleo Credit Builder membership charge.
- An automated salary advance repayment debited on your scheduled direct deposit date.
- An express transfer surcharge fee selected for instant funds delivery.
If you did not authorize the app
- Open the Cleo chat interface in the app Type 'cancel subscription' directly into the Cleo chat window, or navigate to Profile > Subscription Settings.
- Confirm plan downgrade to the free tier Follow the in-chat prompts to downgrade to Cleo Free so future monthly $5.99 charges are stopped.
- Contact Cleo customer support via email Email team@meetcleo.com to confirm complete account deletion and request a refund if you were charged unexpectedly after a trial.
Common questions about Cleo AI
Why is Cleo charging me $5.99 every month?
The $5.99 monthly charge is for Cleo Plus, which unlocks cash advances, daily cashback rewards, and credit score tracking.
Can I cancel Cleo and still use the free budgeting chat?
Yes. Downgrading to the free version keeps all core chat budgeting features while canceling the monthly recurring subscription fee.
Independent reference — not affiliated with Cleo AI Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Cleo Terms of Service and Subscription Pricing https://meetcleo.com/terms
- FTC Consumer Advice on Managing App Subscriptions https://consumer.ftc.gov/articles/getting-and-canceling-subscriptions-mobile-apps
Reviewed Sep 26, 2026 · high · About UnknownCharges