Cleo

Money never sleeps. And neither does Cleo. We’re too busy making moves. And today we made two big ones: we launched self-driving money with Autopilot, and we also launched ourselves back to the UK. Again. Here’s a look at what’s new: 1. Autopilot turns money insights into automated money moves. Autopilot doesn’t just analyze your money history. It anticipates the future, breaks big-picture goals into daily guidance, and takes action on your behalf to boost progress. 2. Plans that adjust in real-time.
 Say bye to static budget plans. Autopilot recalculates automatically as spending shifts. 3. Built for autonomy.
 Autopilot’s powered by a multi-agent architecture, advanced transaction enrichment, adaptive planning models, and continuous learning. Capabilities scale, while accuracy and effectiveness improves. 4. Better spending today, endless possibilities next. Today Autopilot can prevent overdrafts, suggest merchants to block based on your spending habits, and remind you to cancel unused subscriptions. In 2026 we’ll add dozens of new goals and actions, like automatic bill negotiation and insurance optimization. 5. And more big news. Cleo’s back in the UK. $350 million ARR, 5 billion messages, and 4 trillion transactions later, and nowhere to grow but bigger. Check out Autopilot here: bit.ly/49YGC0F, and join the UK waitlist below. So yeah, it’s already been a huge year—and we’re just getting started.

AI is quickly moving beyond “chatbots” and into something much more useful: agents that actually do things for you. Instead of just answering questions or surfacing insights, these systems are starting to take action in real time—and that shift is happening fast. Mashable recently highlighted Cleo as an example of where this is all heading in 2026. While a lot of tools are still stuck in passive analysis—telling you what you spent or what you should do—Cleo has moved into active intervention. With Autopilot, it’s not just about awareness, it’s about execution. If your income shifts, your plan adjusts. If there’s money to protect, it moves automatically. If you’re at risk of overdraft fees, Cleo can step in before they hit. It’s all happening in the background, without needing constant prompts or manual effort. That’s really the bigger shift here: moving from advice to action. We’re starting to see what a true financial assistant can look like—not something you check in on, but something that actively works for you. If you’re curious where AI agents are headed next, this is a great breakdown: mashable.com/article/ai-age…

Our CEO, @Barney_H_Y , has been nominated for Entrepreneur of the Year at the @CityAM Awards! The City A.M. Awards recognize the leaders and companies defining London’s business landscape. This particular category focuses on the founders driving growth and innovation across the UK: a mission that has been at the core of Cleo since the beginning. We are incredibly proud to see Barney’s leadership and vision recognized alongside such an impressive group of innovators. The winners will be announced on May 6th. Please join us in congratulating Barney on this well-deserved achievement! See more here: cityamevents.co.uk/city-am-awards…

The next chapter of consumer finance will be built at the intersection of AI, behavioral insight, and product design. That’s why we’re expanding our global footprint again. After recently announcing our return to the UK, we’re continuing to invest in the future of the company by establishing a new presence in San Francisco. Our upcoming Dogpatch office will bring together a small number of highly focused ML and AI research teams dedicated to pushing the boundaries of what an intelligent financial assistant can do. Great technology companies are shaped by the people building them. This next step reflects a long-term commitment to attracting world-class AI talent and accelerating the work that will define the next generation of financial tools.

Ever stared at a transaction and thought, “what did I even buy here?” We rebuilt how Cleo understands transactions so Autopilot can tell what’s actually going on, like income vs transfers, recurring bills vs one-offs, and essentials vs extras. Not glamorous, very important. Here’s how it works: web.meetcleo.com/blog/how-cleo-…

Autopilot loves making your money journey smoother. It sets target dates for your goals, customizes a plan automatically, and adjusts daily to keep things moving as your life shifts. No more mental math, or turbulence throwing you off track. Just progress. Dreamy? Yeah, but it’s also real. Link in bio.

Built for real life. Backed by real users.

Most money tools tell you what already happened. Autopilot shows you what to do next. Behind the chat interface, Autopilot is always working towards the future: AI models interpreting your transactions, specialized agents finding patterns in your spending, and the whole system adapting when your finances change. Here’s our VP of product Tom May to explain how we built it.

Typical banking app: “You spent $107.43 on Amazon.” Ok...and?? Your money deserves more than a push notification. Autopilot designs a custom plan to reach your financial goals, based on your actual income and spending patterns. It shows you what to do to stay on track. And when spending shifts, it recalculates. Autopilot tells you what’s coming next, not just what happened. Here’s a closer look.

AI can do more than explain what already happened with your money. It can help you make better decisions before small moments turn into expensive ones. Our founder & CEO @Barney_H_Y joined The Derby Mill Series to talk about what proactive, agentic AI looks like in real-world personal finance, how trust is built when data is messy and incomplete, and where money guidance is headed next. Listen here: insights.intrepidgp.com/p/personal-fin…

Allow ourselves to reintroduce ourselves: Cleo is officially back in the UK. After gaining millions of US subscribers, billions of conversations and $350 million in ARR in the US, Cleo’s bringing back to where it all began. Open now for select UK users, and rolling out to the entire UK soon. Join the waitlist for early access: web.meetcleo.com/uk

A big day for Cleo today... we're announcing three major updates: 1. We just launched Autopilot. Your money now drives itself. It's Cleo rebuilt for action, not just answers. Autopilot is autonomous financial intelligence that learns your patterns, predicts what's coming, and acts in real time. It handles the micro-decisions that drain your mental energy and transforms them into effortless wins. Here's how it works: - Roadmap: Cleo builds a custom plan based on your full financial picture and long-term goals. - Daily Plan: She keeps you on track with guidance that updates daily and adapts as life changes. - Actions: Today, Cleo recommends the next best moves to keep you progressing. Tomorrow, she'll take them for you. 2. We're launching back in the UK as of today. We left six years ago to win the most competitive consumer market in the world. We did. Now we're serving millions of users every week, with clear number-one positioning as the AI agent for finance. It's time to turn our focus back to what we set out to do almost 10 years ago - to become the most trusted and loved relationship in financial services for a billion people. We're thrilled to be home. Investing here, creating thousands more jobs, and building a product people love. This is the first step of many on our journey of international expansion. 3. And one more: we hit $350M ARR - ~2x YoY growth - while maintaining a firm grasp on profitability. The business is flying and we're hiring like crazy. Come build the future of money with us.

Join the UK Waitlist! web.meetcleo.com/uk

Money never sleeps. And neither does Cleo. We’re too busy making moves. And today we made two big ones: we launched self-driving money with Autopilot, and we also launched ourselves back to the UK. Again. Here’s a look at what’s new: 1. Autopilot turns money insights into automated money moves. Autopilot doesn’t just analyze your money history. It anticipates the future, breaks big-picture goals into daily guidance, and takes action on your behalf to boost progress. 2. Plans that adjust in real-time.
 Say bye to static budget plans. Autopilot recalculates automatically as spending shifts. 3. Built for autonomy.
 Autopilot’s powered by a multi-agent architecture, advanced transaction enrichment, adaptive planning models, and continuous learning. Capabilities scale, while accuracy and effectiveness improves. 4. Better spending today, endless possibilities next. Today Autopilot can prevent overdrafts, suggest merchants to block based on your spending habits, and remind you to cancel unused subscriptions. In 2026 we’ll add dozens of new goals and actions, like automatic bill negotiation and insurance optimization. 5. And more big news. Cleo’s back in the UK. $350 million ARR, 5 billion messages, and 4 trillion transactions later, and nowhere to grow but bigger. Check out Autopilot here: bit.ly/49YGC0F, and join the UK waitlist below. So yeah, it’s already been a huge year—and we’re just getting started.

Cleo just joined the Financial Technology Association (FTA). @fintechassoc We’re here to raise fintech standards, advocate for real people, and make money feel less stressful, with AI that actually talks like a human. Read more here: bit.ly/4atqNz7

#TinyWinsTuesday: Small habits add up faster than big promises.

#MoneyMythMonday: You need to earn more to feel financially secure. Reality: Knowing where you’re spending matters as much as what you’re earning.

You don’t need more money motivation. You need fewer decisions. #WisdomWednesdays

#TINYWINSTUESDAY: One less surprise is one more win.

We are thrilled to share that Cleo has been named one of Britain’s 100 fastest-growing private technology companies in @thetimes. This milestone validates our mission: combining sophisticated AI with radical transparency to help users navigate their financial lives. A huge thank you to our team for making this possible. Read more here: bit.ly/4qJ8Qm9