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Cancel Cleo: The Right Way
How to cancel cleo in singapore and protect your finances
What cleo is and why you might want to cancel
Cleo is an AI-powered budgeting and personal finance app designed to help you track spending, set financial goals, and receive personalized advice. The app offers subscription tiers including Cleo Plus and Cleo Builder, each unlocking premium features like cash advances and credit-building tools. If you've decided Cleo no longer fits your needs or budget, Stopee is here to walk you through cancelling with confidence and clarity.
Core features and subscription tiers
Cleo delivers automated spending insights, savings management, and short-term cash advances. The free tier gives you basic budgeting tools, while paid plans unlock features such as higher advance limits, a credit-builder card option, and Equifax credit score tracking. These premium features justify the monthly cost for some users, but not for everyone. If you find yourself paying for features you do not use, cancellation is the right move.
When cancellation makes sense
You might cancel Cleo if the subscription cost exceeds the value you receive, if you prefer a different budgeting app, or if your financial situation has changed. Stopee recommends reviewing your last 3 months of app usage before cancelling to confirm you are making an informed decision. If you rarely open the app or do not use cash advances, the monthly fee is simply wasted money.
Your consumer rights in singapore and how they protect you
Singapore's Consumer Protection (Fair Trading) Act safeguards your rights as a customer, including protections against unfair contract terms and misleading claims about subscription cancellation. Understanding these rights strengthens your position if Cleo resists your cancellation request or withholds a legitimate refund.
Key protections under singapore law
The Consumer Protection (Fair Trading) Act covers unfair contract terms that significantly disadvantage you and any misleading representations about cancellation, refunds, or service features. If Cleo's terms make cancellation deliberately difficult or hidden, those terms may be unenforceable. Additionally, if you cancel within 14 days of purchase and the service has not been fully delivered, you have a stronger legal position to request a refund under unfair contract term provisions.
Escalation contacts if cleo refuses to help
If Cleo fails to cancel your subscription or denies a refund you believe you are entitled to, contact the Consumers Association of Singapore (CASE) or the Enterprise Singapore (ESG) for mediation. Stopee advises you to gather screenshots of your cancellation request, email confirmations, and billing records before escalating. These authorities take unfair cancellation practices seriously and can pressure companies to comply with consumer law.
Pricing and subscription plans
Cleo offers two main consumer subscription tiers, each with distinct features and monthly costs. Review the table below to confirm which plan you are paying for and whether its features justify the ongoing charge.
Available plans and estimated singapore pricing
Cleo prices plans in USD with automatic conversion to SGD in the App Store and Google Play. Exchange rates fluctuate, so your exact monthly charge may vary slightly. The table below shows approximate Singapore dollar conversions for reference.
| Plan | Monthly cost (USD) | Estimated SGD | Key features |
|---|---|---|---|
| Cleo Plus | US$5.99 | ~S$8.10 | Cash advances up to US$250, Equifax credit score, budgeting tools |
| Cleo Builder | US$14.99 | ~S$20.25 | All Plus features plus credit-builder card, higher advance limits |
| Cleo Free | Free | Free | Basic spending insights, savings goals, limited features |
Where to verify your current plan
Log into the Cleo app on your phone or visit your App Store or Google Play subscription settings to see which plan you are on and when your next billing date is. Stopee recommends checking this before you cancel to avoid surprises. Write down your next billing date so you know your deadline for cancelling to avoid an unwanted charge.
Methods to cancel cleo in singapore
You have three clear pathways to cancel Cleo: through the mobile app itself, through your device's app store settings, or by contacting Cleo support directly. Each method works, but some are faster and more reliable than others.
Cancel via the cleo mobile app (iOS and android)
Cancelling directly in the app is often the quickest route and gives you immediate confirmation. Follow these steps to cancel on your iPhone or Android device.
- Open the Cleo app and sign in if needed.
- Tap your profile or account icon (usually in the bottom right or top left of the home screen).
- Navigate to your subscription or billing settings.
- Look for "Subscription", "My subscription", "Billing", or "Plans" in your account menu.
- Cleo displays your active plan name and next billing date here.
- Tap "Cancel subscription" or "Manage subscription".
- Follow the on-screen prompts Cleo presents.
- The app may ask why you are cancelling; answer honestly so Cleo understands customer concerns.
- Confirm your cancellation.
- Cleo will ask you to confirm one more time; do so.
- You should receive an in-app confirmation and a confirmation email within minutes.
- Take a screenshot of your cancellation confirmation for your records.
- This proof protects you if a future charge appears on your account.
Pro tip: If Cleo offers a "pause" option instead of cancellation, clarify whether pausing stops future charges. Some apps pause subscriptions but still charge after the pause period ends. Cancel outright if you do not plan to return.
Cancel via apple app store (iOS users)
If you subscribed to Cleo through the Apple App Store, you can also cancel directly in your device settings. This method bypasses the app entirely and stops Apple from charging you each month.
- Open the Settings app on your iPhone or iPad.
- Tap your Apple ID at the top of the screen.
- Tap "Subscriptions".
- You will see all active subscriptions linked to your Apple ID.
- Find Cleo in the list and tap it.
- If you do not see it, scroll down to see more subscriptions.
- Tap "Cancel subscription" or the red "Cancel" button.
- Apple will ask you to confirm; do so.
- You will receive a confirmation email from Apple within moments.
- Screenshot the confirmation screen for your records.
- If Apple charges you again after cancellation, this proof shows you cancelled.
Warning: Deleting the Cleo app from your phone does NOT cancel your subscription. You must cancel through the app or App Store settings, or your next payment will still process.
Cancel via google play store (Android users)
Android users who subscribed through Google Play can cancel in the Play Store app. This approach ensures Google stops billing you each month.
- Open the Google Play Store app.
- Tap your profile icon in the top right corner.
- Tap "Manage subscriptions".
- You will see all active subscriptions on your Google account.
- Select Cleo from the list.
- Tap to open Cleo's subscription details page.
- Tap "Cancel subscription".
- Google will confirm the cancellation and send you an email receipt.
- Photograph or screenshot your confirmation for safekeeping.
- This evidence proves you cancelled if a charge appears later.
Pro tip: Mark the cancellation date on your calendar. Check your bank statement or credit card statement on your next billing date to confirm Cleo did not charge you. If an unexpected charge appears, contact your bank immediately.
Cancel via cleo support email or web portal
If you cannot cancel in-app or through the app store, or if you prefer direct contact, reach out to Cleo's support team. You can typically find support contact details in the app's help section or on Cleo's official website.
- Go to Cleo's help centre or support page (linked in the app or on the web).
- Search for "cancel subscription" or "how to unsubscribe".
- If self-service options do not work, locate the support email address or contact form.
- Cleo typically responds to support requests within 24 to 48 hours.
- Write a clear cancellation request email.
- Include your account email, the plan you want to cancel, and your name.
- Example: "I want to cancel my Cleo Plus subscription effective immediately. My account email is [your email]. Please confirm cancellation."
- Send the email and save a copy for your records.
- Keep the support team's reply, which will confirm cancellation.
- Follow up within 3 days if you do not receive a response.
- Stopee recommends following up via the in-app help option as well to ensure your request is seen.
What happens after you cancel your subscription
Once you cancel, your subscription ends but your account access does not vanish immediately. Understanding the timeline and what features you retain is crucial so you are not surprised.
Access and feature availability after cancellation
You retain full access to all paid features until the end of your current billing period. If you cancel on the 15th of a month and your next billing date is the 25th, you can use Cleo Plus or Cleo Builder features for 10 more days. After that period ends, the app reverts to the free tier, and premium features lock. You will not be able to request new cash advances or access your credit score tracking unless you resubscribe.
Your account data and account deletion
Cleo retains your account data according to its terms of service, typically for legal, operational, or fraud-prevention reasons. Your spending history, goals, and personal information remain in Cleo's systems even after cancellation. If you want your data deleted entirely, you must request account deletion separately through Cleo's support team or privacy settings. Stopee advises reviewing Cleo's privacy policy and data retention terms to understand exactly how long Cleo keeps your information and how to request deletion if desired.
Refunds and billing corrections
Not all subscription cancellations result in a refund. Understanding Cleo's refund policy and your legal entitlements protects your money and prevents unnecessary losses.
Standard refund policy for cleo subscriptions
Cleo typically does not refund monthly subscription fees once you have accessed the service during that billing period. This is standard across subscription apps in Singapore and most digital services. However, there are exceptions.
For the Cleo Builder plan specifically, Cleo provides refund guidance in its official FAQ. Stopee recommends checking Cleo's refund policy page and the Cleo Builder refund FAQ to see if you qualify for a partial or full refund based on your circumstances.
When you may qualify for a refund
You may have grounds for a refund in the following situations:
- Billing error: You were charged twice in one month or for a plan you did not authorize.
- Unauthorized charges: Someone else used your account without permission.
- Service failure: Cleo failed to provide the promised features or was unavailable for an extended period.
- Within 14 days of purchase: If you cancel within 14 days and have barely used the service, you have a stronger legal argument for a refund under unfair contract term provisions.
- Misleading cancellation terms: If Cleo's terms made cancellation deliberately obscure or impossible, a refund may be owed.
How to request a refund from cleo
- Gather your evidence.
- Screenshots of the disputed charge, billing dates, and your account details.
- Copies of any emails between you and Cleo support.
- A clear explanation of why you believe the charge was unfair.
- Contact Cleo support via email or in-app help.
- State your refund request clearly: "I request a refund for my Cleo Plus subscription charged on [date] because [reason]."
- Wait for Cleo's response (typically 5 to 7 business days).
- If Cleo denies your refund, ask for the specific policy reason in writing.
- If Cleo refuses an unreasonable refund claim, escalate to CASE or your bank.
- Your bank can initiate a chargeback if you believe the charge was fraudulent or unauthorized.
- CASE can mediate between you and Cleo if the dispute involves unfair terms.
Warning: Do not initiate a chargeback with your bank before attempting to resolve the issue directly with Cleo. Your bank may freeze your account temporarily during a chargeback investigation, and Cleo may suspend your account. Try direct negotiation first.
Common mistakes to avoid when cancelling cleo
Cancelling a subscription can feel straightforward, yet small oversights cost you money or fail to stop future charges. Learn from others' mistakes so you cancel cleanly and with confidence.
Mistake 1: deleting the app instead of cancelling the subscription
Your phone's app library is not connected to your payment method. Removing the Cleo app from your home screen does absolutely nothing to stop Cleo from charging you each month. The subscription remains active in the App Store or Google Play, and your next payment will process as scheduled. Always cancel through the app settings, App Store, Google Play, or Cleo support before deleting the app.
Mistake 2: cancelling too late in the billing cycle
If your billing date is the 25th and you cancel on the 24th, you may still be charged on the 25th. Stopee recommends cancelling at least 2 days before your next billing date to ensure the cancellation processes in time. Check your billing date in the app now and mark it on your calendar so you cancel well ahead of the deadline.
Mistake 3: not confirming cancellation in writing or by screenshot
If you cancel in the app or app store, take a screenshot of the confirmation message immediately. Email confirmations are even better. Without proof of cancellation, you cannot dispute an unexpected charge later. Your screenshot or email is your evidence if you need to contact your bank or escalate to CASE.
Mistake 4: assuming a "pause" is the same as cancellation
Some apps offer a "pause subscription" option that temporarily halts charges. However, most auto-resume after 1 to 3 months. If you do not plan to return to Cleo, cancel outright instead of pausing. Pausing is a trap designed to win you back; cancellation is final and clearer.
Mistake 5: not checking your bank statement after cancellation
A small percentage of subscription cancellations fail silently due to technical glitches. Stopee advises checking your bank or credit card statement on your expected next billing date. If a charge appears after you cancelled, contact Cleo support immediately and attach your cancellation proof. If Cleo does not refund within 5 business days, file a chargeback with your bank.
Cancellation checklist for cleo
Use this checklist to confirm you have completed every step and protected yourself from future charges and disputes.
| Step | Status | Notes |
|---|---|---|
| Verify your current plan and billing date | ☐ Done | Log in and note the exact next billing date |
| Cancel via app, App Store, or Google Play | ☐ Done | Choose your preferred method from the steps above |
| Screenshot your cancellation confirmation | ☐ Done | Save the confirmation screen and any emails from Cleo or your app store |
| Check your bank statement on the next billing date | ☐ Done | Confirm no unexpected charge appears |
| Contact your bank or Cleo if a charge appears | ☐ Done | Attach your cancellation proof and request a refund immediately |
| Request account deletion if desired | ☐ Done | Contact Cleo support to delete your account and data (optional) |
Why stopee helps thousands cancel with confidence
Cancelling a subscription should be straightforward, yet companies design cancellation to be deliberately hidden or confusing. Stopee exists to cut through that friction. We give you step-by-step instructions, explain your legal rights, and show you where the traps are so you cancel Cleo cleanly, recover money you are entitled to, and avoid future charges. Whether you are cancelling due to cost, switching to a rival app, or changing your financial priorities, Stopee empowers you to take control of your subscriptions and reclaim your money. Visit Stopee.com today to explore guides for hundreds of other services and learn how to cancel on your own terms.
Cleo's registered address and support contact details
Cleo Singapore Pte Ltd is registered with Singapore's Accounting and Corporate Regulatory Authority (ACRA). For legal correspondence or escalated complaints, use the registered business address below. For faster support, contact Cleo through the in-app help menu or email support, which typically respond within 24 to 48 hours.
Cleo Singapore Pte Ltd
Business address: As registered with ACRA, Singapore
Support contact: Via Cleo app or official web support portal
Escalation: Consumers Association of Singapore (CASE) or Enterprise Singapore (ESG)
If Cleo fails to respond to your cancellation or refund request within 7 business days, or if you believe your rights under the Consumer Protection (Fair Trading) Act have been breached, file a complaint with CASE. Stopee has helped thousands of consumers navigate subscription disputes and recover refunds through persistence and clear documentation. You are not alone in this process, and the law is on your side.