Cleo app customer service phone number — definitive guide and practical steps

Overview: what to expect when you need support

Cleo (meetcleo.com) is a UK-founded personal finance assistant launched in 2016 that connects to users’ bank accounts and cards to provide budgeting, bill reminders and automated savings features. Because Cleo operates as a digital-first fintech service, its support model is primarily in-app, by help-center articles, and by email/ticketing rather than a public, 24/7 phone line. This design reduces costs and speeds specialized, logged responses for financial queries.

If you are looking specifically for a Cleo customer service phone number, the correct and up-to-date reality is that Cleo does not publish a general-purpose customer support telephone number for consumer accounts. Instead, the official support channels to open a ticket or chat are: the in-app Help & Support message flow, the Help Center at https://help.meetcleo.com, and the in-app contact/email process. Use those channels for account-level issues, billing, and security incidents.

Why Cleo doesn’t provide a public phone number (and why that’s important)

Fintech apps that link to banking data are subject to strict security and privacy protocols (OAuth, tokens, and PSD2 in the UK/EU). A phone-based model makes it difficult to verify identity safely at scale, so many authorized fintech providers avoid phone support to reduce the risk of social-engineering attacks and to ensure requests are traceable. Cleo follows this model to protect customers’ financial data and to route complex issues to engineering or compliance teams.

Operationally, digital ticketing improves resolution consistency: support agents can attach logs, transaction IDs, and session metadata to each case. That produces measurable benefits — for example, many fintechs report median first-response windows of 24–72 hours for non-urgent tickets and faster responses for flagged security incidents — because tickets can be escalated to engineers and compliance staff with full audit trails.

How to contact Cleo effectively (step-by-step, in order of priority)

Best practice: use the in-app help flow first. Open the Cleo app, tap the profile or settings icon (usually top-right), choose “Help & Support” or “Contact Support,” and start a chat or submit a ticket. The in-app channel automatically attaches app version, device OS, connection logs and (when relevant) anonymized bank connection IDs — all of which speed diagnosis. Keep a copy or screenshot of the ticket ID you receive.

If you cannot access the app (lost phone, locked account), use the Help Center at https://help.meetcleo.com for account-recovery steps and to find the “can’t access account” form. For billing and subscription questions, include the store used (Apple App Store or Google Play) and the subscription receipt ID — this is essential for refunds and cancellations via platform stores.

What to include in your support message

• Clear subject line and short summary: e.g., “Missing bank sync since 2025-08-15 — last 4 digits XXXX.”
• Account identifier: the email tied to your Cleo account (exact email), and the app version (found in Settings → About), plus device model and OS version (e.g., iPhone 12 / iOS 17.4 or Samsung S21 / Android 14).
• Precise timestamps and amounts: list transaction date/time (ISO: 2025-08-15T14:23:00Z), amounts in original currency, merchant name and bank transaction ID if available.
• Screenshots or screen recordings showing the issue (annotate if possible), and error messages exactly as shown (copy any error codes).
• Steps you already tried: e.g., “I removed and re-added the bank connection on 2025-08-16, restarted phone, cleared app cache.”

Escalation, refunds, and subscriptions — concrete procedures

If the initial support ticket is not resolved within the vendor’s stated SLA (often visible in the ticket reply), escalate by replying to the same ticket and requesting an escalation. For monetary issues (unauthorized transactions or missing transfers) immediately contact your bank or card issuer to freeze the card or open a fraud investigation; banks typically provide 24/7 phone support listed on the back of your card or on bank statements.

Subscription management is handled by the app store where you purchased Cleo+. To cancel or request a refund: for Apple, open Settings → your name → Subscriptions → select Cleo → Cancel Subscription; for Google Play, open Play Store → Profile → Payments & subscriptions → Subscriptions. If the refund is required and the store route fails, include the receipt ID in a Cleo support ticket and ask support to liaise with billing. Typical refund windows vary but many app-store refunds are processed within 3–14 days depending on the store and region.

Practical troubleshooting and best practices

Before contacting support, perform these checks: confirm bank credentials (test by logging into your bank’s website), ensure multi-factor authentication is not blocking API access, and check whether your bank is listed as temporarily unsupported in the Help Center. Also keep the app updated — security patches and connector updates are frequent (monthly or quarterly).

Document everything: keep copies of ticket IDs, timestamps of interactions, and any automated emails. If a problem persists beyond reasonable resolution time (for example, more than 14 days for a billing dispute), request written escalation and consider consumer protection channels in your jurisdiction. For most users, following the in-app workflow and providing the exact items listed above will reduce resolution time to under 72 hours for common problems.