Cleo

Cleo is an AI assistant that talks straight about your spending habits. Connect your bank accounts and it'll alert you when you're overspending, help you set savings goals, and break down where your money goes with its blunt, conversational style.

Beyond alerts, Cleo offers optional cash advances if you need them fast, plus a credit-builder card to help improve your credit score. It's good for people who want real talk about their habits rather than polite financial jargon.