To cancel a Cleo account, you have to do three separate things in order: cancel the paid subscription inside the app, pay off any outstanding balance, and then delete the account from your profile settings. Knowing how to cancel your Cleo account matters because the most common mistake, deleting the app from your phone, does not stop subscription charges and does not remove your data.1Cleo Help Center. How do I cancel Cleo Plus Skip a step and you can end up still paying, still connected to your bank, or unable to collect a refund you were owed.
Cancel the Paid Subscription First
If you are on Cleo Plus or Cleo Builder, cancel the subscription before you touch anything else. The cancellation happens inside the Cleo app, not through the App Store or Google Play.
For Cleo Plus:
- Open your profile
- Select Subscriptions
- Tap Unsubscribe from Cleo Plus
Cleo Builder uses the same path, with the Builder option in place of Plus.2Cleo Help Center. How do I cancel Cleo Builder
You keep paid features until the end of the current billing cycle. Cleo does not prorate refunds for the days you don’t use. There is one exception: if you cancel Plus within a month of signing up and you have not taken a cash advance, you can get a full refund. One thing to watch is the sequence. If you delete your account before you ask for the refund, Cleo says the refund can’t be processed because there is no account left to send it to.3Cleo Help Center. I’ve Cancelled My Subscription – When Will I Get My Refund Cancel, claim any refund you’re eligible for, then delete.
Clear What You Owe
Cash Advances
Any cash advance has to be fully repaid before you move on. Cleo pulls the repayment automatically from your connected card or bank on the scheduled date, and partial payments aren’t an option; any repayment you make covers the whole outstanding balance.4Cleo Help Center. How Do I Repay My Cash Advance Wait for the payment to clear and the balance to show zero before you try to close the account. Pending transactions take a few business days to settle through the banking network.
Credit Builder Card
The Credit Builder card closes on its own schedule. When you cancel the Builder subscription, you can keep spending up to your limit through the end of that billing period, and Cleo closes the card account automatically after the period ends.5Meet Cleo. Cleo Credit Builder Cardholder Agreement
If a balance remains, Cleo applies your security deposit to it. Closure does not erase the debt, though. You still owe anything above what the deposit covers.5Meet Cleo. Cleo Credit Builder Cardholder Agreement Pay the balance down before your subscription period runs out.
Delete the Account
Once the subscription is canceled and your balances read zero, delete the account from inside the app:
- Go to Ask Cleo
- Tap your profile icon
- Select Your details
- Select Delete your account at the bottom of the page
Cleo queues the account for deletion and logs you out right away.6Cleo Help Center. How Do I Delete My Cleo Account If an email address is on file, you’ll get a confirmation email.7Cleo. Account Deleted Cleo gives no indication that a deleted account can be recovered or reactivated, so if you change your mind later, plan on starting over.
Why Deleting the App Does Nothing
Removing the Cleo app from your phone does not cancel your subscription, and it does not delete your account.6Cleo Help Center. How Do I Delete My Cleo Account Charges keep running, your bank connection stays active, and your data stays on Cleo’s servers. If you have already uninstalled, reinstall the app, log back in, and go through the cancellation steps before you do anything else.
Cut the Bank Connection Through Plaid
Cleo links to your bank through Plaid, a third-party aggregator, and deleting your Cleo account does not automatically break that link. To cut it off, log in to the Plaid Portal at my.plaid.com, find Cleo under your connected apps, and disconnect it.8Plaid. How Do I Disconnect My Financial Accounts From an App
Disconnecting through Plaid stops future data sharing. It does not delete data that Cleo or Plaid have already collected; for that you have to contact each company directly.8Plaid. How Do I Disconnect My Financial Accounts From an App
Request Full Data Deletion in Writing
The in-app delete button removes your profile, but for a formal request on record, Cleo directs users to email privacy@meetcleo.com.9Meet Cleo. Privacy Policy That gives you a paper trail if you ever need to prove you asked for your data to be removed.
Financial companies are generally required to retain certain transaction records under federal regulations, even after an account closes. The length of time depends on the type of record and the regulation involved. Your visible profile and app access are gone, but backend records tied to transactions you made can be kept for years regardless of the deletion request.
What Closure Means for Your Credit
Cleo’s cardholder agreement says it may report your credit history, including positive repayment and account tenure, to any of the three major credit bureaus, and that late or missed payments may be reported negatively.10Consumer Financial Protection Bureau. Cleo Credit Builder Cardholder Agreement The word there is “may.” Whether Cleo is actively reporting to Equifax, Experian, or TransUnion at any given time can change, so check your credit reports after closure to see whether the account appears.
If it does, closing in good standing is far better than closing with debt. Accounts closed in good standing generally stay on a credit report for about ten years and keep contributing to your credit history during that time. An unpaid balance reported as a default stays for about seven years as a negative mark. Clear the balance before you close.