For consumers, sole traders and the brands that serve them
One wallet and card for every account. Bills switched, subscriptions cancelled, tax sorted and savings swept, with one tap.
Action tickets
Broadband
Cheaper deal found
Approve the switch with one tap
Subscription
Unused for 90 days
Cancel it for you?
Tax reserve
Set aside this month
Swept from freelance income
Five steps from connected accounts to money saved.
Link your UK and EU accounts through Open Banking and get an instant virtual debit card.
Every transaction mapped. Sole-trader income separated from personal spend against local tax rules.
Tariff cuts, dormant subscriptions and grants arrive as action tickets.
Approve with FaceID and Cleo switches, cancels or files on your behalf.
Card-linked points on every spend, straight into your savings pots.
Pick your situation to see what Cleo does.
Every account
One wallet
Bills switched, subscriptions cancelled, savings swept.
“It cancelled two subscriptions I'd forgotten about and moved my broadband in a week.”See what Cleo does
Tax returns prepared
Auto
Income separated, deductions found, accounts ready.
“My freelance income and personal spend finally live apart. Self assessment took an afternoon.”See what Cleo does
Set-up
White-label
A financial-wellbeing benefit in your brand.
“A savings benefit instead of a salary-advance product. Staff actually use it.”See what Cleo does
Built on regulated rails
Cards are issued on regulated card rails. Open Banking runs through an FCA-authorised AISP/PISP partner. Cleo compares and executes on facts you approve; it never gives regulated financial advice.
Security & regulationVirtual debit card on Apple Pay and Google Pay, issued on regulated rails
Account aggregation and payments through an FCA-authorised partner
Sign in with your mobile number, one iD across every Organic brand
256-bit encryption at rest, TLS 1.3 in transit, tenant isolation
The team
Project lead · Head of accounting and tax architecture
Practising chartered accountant and leader at Hilden Park Accountants, bringing UK personal and sole-trader tax, self-assessment compliance and bookkeeping expertise to Cleo's automated tax optimisation and filing engine.