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How to Cancel Cleo AI

Last verified: 2026-03-24

Official Cleo AI PolicyVerified

web.meetcleo.com/faqs/en/articles/3325860-how-do-i-cancel-cleo-plus

Summary

You can cancel Cleo AI via In-app chat (type 'cancel') or App settings (Settings → Manage Subscription → Cancel). Cleo Plus: refund available if you cancel within 27 days of initial signup and have not requested a cash advance. Cleo Builder: refund available if you cancel within 30 days of signing up and have not requested a physical Cleo Card. Refunds are processed to your original payment method within 4 business days. After the grace period, no refunds for unused subscription time.. Steps: Open the Cleo app on your phone.. Type 'cancel' in the Cleo chat — the AI assistant will guide you through the unsubscribe process..

Cancel Via

In-app chat (type 'cancel'), App settings (Settings → Manage Subscription → Cancel)

Refund Eligibility

Cleo Plus: refund available if you cancel within 27 days of initial signup and have not requested a cash advance. Cleo Builder: refund available if you cancel within 30 days of signing up and have not requested a physical Cleo Card. Refunds are processed to your original payment method within 4 business days. After the grace period, no refunds for unused subscription time.

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How to Cancel — Step by Step

  1. 1Open the Cleo app on your phone.
  2. 2Type 'cancel' in the Cleo chat — the AI assistant will guide you through the unsubscribe process.
  3. 3Answer all of Cleo's follow-up questions completely — if you interrupt mid-flow, you may need to restart the process.
  4. 4Tap the 'Unsubscribe' button when prompted to confirm.
  5. 5Alternatively: open the Cleo app → navigate to Settings → Manage Subscription → Cancel Subscription.
  6. 6You will receive a confirmation email once the cancellation is processed.
  7. 7Your subscription remains active until the end of the current billing period — you will not be charged for the next cycle.

Billed Through a Third Party?

  • Cleo subscriptions are billed directly through the app via your linked debit card — there is no Apple App Store or Google Play billing.
  • If Cleo charges appear on your bank statement as 'CLEO AI' or 'MEETCLEO.COM,' you subscribed directly and must cancel through the Cleo app.
  • If you used a virtual card or payment service (e.g., Cash App card, Chime), you must still cancel through the Cleo app — blocking charges alone may not cancel the subscription.

Reactivating Your Account

  • You can resubscribe to any Cleo tier at any time through the app.
  • Your budget history, spending insights, and financial data are preserved after cancellation.
  • Free-tier features (basic budgeting, AI chat) remain available after canceling a paid subscription.

Additional Notes

  • Cleo Free: $0 — basic AI budgeting, spending insights, and financial coaching chat.
  • Cleo Grow: $2.99/month — high-yield savings account (3.33% APY), automated savings tools (Set & Forget, Smart Save, Roundups, Swear Jar).
  • Cleo Plus: $5.99/month or $44.99/year — cash advances up to $250, credit score tracking, savings goals, and challenges.
  • Cleo Builder: $14.99/month — everything in Plus, plus a 0% APR secured Visa credit card (no credit check), credit history building, and priority support.
  • The 27-day refund grace period for Plus and 30-day period for Builder only apply to your initial signup — renewals are not refundable.
  • If you requested a physical Cleo Card (Builder) or a cash advance (Plus) during the grace period, you are not eligible for a refund.
  • Cancellation typically takes about 10 minutes; most cancellations are processed immediately, though some may take up to 24 hours.
  • Customer support: in-app chat or help center at web.meetcleo.com/faqs.