Cancelling Cleo is genuinely quick — the whole flow lives inside the app's chat and takes about a minute. Below is every method, plus the three things worth checking before you hit cancel so no money gets stranded.
Cancel Inside the Cleo App
Open the Cleo app
Log in as usual — you don't need to visit a website or call anyone.
Tap the chat
Cleo's chat handles account actions, including cancellation.
Type "cancel my subscription"
Send it. Cleo will confirm which plan you're on and what you'll lose access to.
Confirm — or take the downgrade
You'll usually be offered a cheaper plan before the final confirm. Decline it if you want a full cancel.
Keep the confirmation email
It's your proof of the cancellation date if billing questions ever come up.
Three Things to Check Before You Cancel
- Outstanding advance? Cancelling doesn't erase it — repayment still runs on the scheduled date. Make sure the funds will be there.
- Cleo Card balance? Settle it so your security deposit can be returned. Details in the Cleo Card review.
- Statements you might need? Download transaction history first — it's easier while the account is active.
Subscribed Through the App Store or Google Play?
If your billing goes through Apple or Google, cancel there so the store stops the charge:
iPhone
Settings → your name → Subscriptions → Cleo → Cancel Subscription.
Android
Google Play → profile icon → Payments & subscriptions → Subscriptions → Cleo → Cancel.
Or Just Downgrade
If the $14.99 Builder plan is the problem — not Cleo itself — dropping to Plus at $5.99/month keeps advances and budgeting while cutting the bill by more than half. And if you're leaving for a different app entirely, compare your options honestly first: the best apps like Cleo, or the head-to-head Cleo vs Dave.
Frequently Asked Questions
No. Cancelling Cleo is free at any time. You keep access until the end of the billing period you've already paid for.
Cleo subscriptions generally are not prorated — you keep features until the period ends rather than receiving a partial refund. Check the in-app terms for your plan.
Your security deposit is returned after your card balance is fully settled and the card is closed.
Yes — you can resubscribe any time. Your advance limit may rebuild gradually rather than restoring instantly.
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