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Frequently asked questions
Cancel Cleo: The Right Way to Protect Your Finances
How to cancel Cleo in singapore and protect your financial control
What Cleo is and why cancellation matters
Cleo is an AI-powered personal finance application designed to help you track spending patterns, set savings goals, and access short-term cash advances. The service operates two paid subscription tiers-Cleo Plus and Cleo Builder-each unlocking premium features such as higher advance limits and credit-building tools. If Cleo no longer aligns with your financial needs or you find yourself paying for unused features, cancellation is straightforward when you follow the correct legal and procedural steps. Yafee specialises in helping Singapore consumers understand their rights during subscription cancellations, ensuring you keep control of your finances and your money.
Core features across subscription tiers
Cleo's free tier provides basic spending tracking and budgeting insights. Cleo Plus adds cash advances up to USD 250, Equifax credit score monitoring, and enhanced budgeting tools. Cleo Builder includes all Plus features plus a credit-builder card option and higher advance limits. Each paid tier operates on a monthly recurring charge. If you subscribe to a paid plan but rarely access these premium features, the monthly fee becomes an unnecessary expense draining your account.
When you should consider cancelling Cleo
You have legitimate reasons to cancel if the monthly subscription cost exceeds the tangible value you receive, if you have switched to a competing budgeting application, or if your financial circumstances have changed. Before you cancel, review your last three months of app usage to confirm you are making an informed decision. If you have not opened the app in four weeks or have never used a cash advance feature, the recurring charge is simply wasted money that could be redirected toward your actual financial goals.
Your consumer rights in singapore and the legal framework protecting you
Singapore's Consumer Protection (Fair Trading) Act provides you with enforceable legal protections against unfair subscription terms and misleading cancellation procedures.
Legal protections under the consumer protection (Fair trading) act
The Consumer Protection (Fair Trading) Act covers unfair contract terms that create a significant imbalance against you as the consumer. If Cleo's subscription terms deliberately obscure the cancellation process, charge hidden fees upon cancellation, or misrepresent refund eligibility, those clauses may be deemed unenforceable. Furthermore, if you cancel within 14 days of your initial purchase and the service has not been substantially delivered, consumer law strengthens your position to claim a refund. Yafee advises you to understand that these protections exist independently of Cleo's stated policy-the law overrides unfair contractual provisions regardless of what the app's terms claim.
Your legal position during cancellation
You have the right to:
- Cancel your subscription at any time after the initial purchase period
- Receive a refund if you cancel within 14 days and the service has not been fully delivered
- Demand cancellation confirmation in writing (email is acceptable)
- Challenge any hidden cancellation fees as unfair contract terms
- Escalate your dispute to Consumers Association of Singapore (CASE) or Enterprise Singapore (ESG) if Cleo refuses to cancel or withholds a legitimate refund
Escalation contacts if Cleo refuses your cancellation request
If Cleo fails to process your cancellation or denies a refund you believe you are entitled to, contact the Consumers Association of Singapore (CASE) immediately. CASE provides mediation services at no cost to you and can investigate unfair cancellation practices. Alternatively, Enterprise Singapore (ESG) oversees consumer fairness and can take enforcement action against companies breaching the Consumer Protection (Fair Trading) Act. Yafee recommends you gather screenshots of your cancellation request, app store purchase records, email confirmations from Cleo support, and billing statements before escalating. These authorities take subscription disputes seriously and regularly pressure companies to comply with consumer law.
Current pricing and subscription plans
Cleo operates a transparent pricing structure with two main paid tiers plus a free option; understanding your current plan helps you evaluate whether cancellation makes financial sense.
Available plans and estimated singapore pricing
Cleo prices all plans in USD and applies automatic currency conversion to SGD when you purchase through the Apple App Store or Google Play. Exchange rates fluctuate daily, so your exact monthly charge may vary by 5-8% month to month. The table below shows approximate Singapore dollar conversions based on current rates.
| Plan | Monthly cost (USD) | Estimated SGD | Key features |
|---|---|---|---|
| Cleo Free | Free | Free | Basic spending tracking, budgeting tools, financial insights |
| Cleo Plus | USD 5.99 | ~SGD 8.10 | Cash advances up to USD 250, Equifax credit score, enhanced budgeting |
| Cleo Builder | USD 14.99 | ~SGD 20.25 | All Plus features, credit-builder card, higher advance limits, priority support |
If you are subscribed to Cleo Builder but only use basic budgeting features, you are paying approximately SGD 20.25 monthly for capabilities you do not access. Switching to Cleo Free eliminates this cost entirely while preserving your core budgeting functionality.
Step-by-step cancellation process for iOS and android
You can cancel your Cleo subscription directly through your device's app store settings without contacting Cleo support, ensuring immediate cessation of future charges once the current billing cycle ends.
Cancelling Cleo on iPhone and iPad (Apple app store)
- Open the Settings app on your device
- Locate the grey gear icon on your home screen
- Tap Settings and scroll to find your Apple ID profile at the top
- Select your Apple ID account
- Tap the banner displaying your name, email, or phone number
- You will see options for account, iCloud, media and purchases, and family sharing
- Navigate to Subscriptions
- Tap "Subscriptions" from the menu that appears
- This section displays all active recurring charges linked to your Apple ID
- Find and select the Cleo subscription
- Scroll through the list until you locate "Cleo"
- Tap on the Cleo entry to open its details panel
- Tap "Cancel Subscription"
- You will see the plan name, renewal date, and price per billing cycle
- Locate the red "Cancel Subscription" button at the bottom
- Confirm your cancellation
- Apple will ask you to confirm the cancellation and may offer a retention incentive
- Tap "Confirm" to finalise cancellation
- Apple will send a confirmation email to your registered email address
Your subscription will remain active until the end of your current billing cycle. You will retain access to Cleo's premium features until that date passes, at which point you will revert to the free tier automatically.
Cancelling Cleo on android (Google play)
- Open the Google Play Store app on your device
- Tap the Play Store icon (white triangle inside a coloured square)
- Ensure you are logged in with the Google Account that purchased the subscription
- Access your account settings
- Tap your profile picture or initial in the top right corner
- Select "Manage your Google Account" from the dropdown menu
- Navigate to Payments and subscriptions
- Tap the "Payments and subscriptions" tab
- Select "Subscriptions" to view all active recurring charges
- Locate Cleo in your subscription list
- Scroll to find "Cleo" among your active subscriptions
- Tap the Cleo entry to access its management screen
- Select "Cancel subscription"
- The subscription details panel will display your renewal date and monthly charge
- Tap the red "Cancel subscription" button
- Confirm your cancellation request
- Google Play will ask why you are cancelling (optional feedback)
- Confirm the cancellation in the final prompt
- Google will send a confirmation email immediately
Your access to Cleo's paid features will end on the last day of your current billing period. After that date, the app will downgrade you to the free tier, and no further charges will appear on your Google Play billing statement.
Contacting Cleo support if app store cancellation fails
If you encounter technical issues cancelling through the app store, contact Cleo's support team directly. You can reach Cleo through the in-app support chat or by visiting their official website support page. Provide your email address, account information, and a clear request to cancel your subscription. Document all communication by taking screenshots of your cancellation request and any response from Cleo support. Yafee recommends requesting written confirmation of cancellation from Cleo via email to create an auditable record should a dispute arise later.
Refunds and billing after cancellation
Your refund eligibility depends on when you cancel relative to your purchase date and whether you have used the service; understanding these rules prevents you from inadvertently losing money you are entitled to recover.
When you are entitled to a refund
Singapore consumer law entitles you to a refund if you cancel within 14 days of your initial purchase and the service has not been substantially delivered. If you subscribed to Cleo Plus yesterday and cancel today, you can claim a full refund of that charge. Conversely, if you subscribed three months ago and cancel now, you are generally not entitled to recover past monthly charges-you are simply preventing future charges from occurring. If Cleo charged you for the current month, you retain paid access until the end of that billing period. Yafee advises you to check your app store confirmation email for the exact purchase date to calculate your 14-day window accurately.
Submitting a refund request
If you qualify for a refund under the 14-day rule, submit a refund request to Cleo support through the in-app chat or via their support email address. State clearly that you purchased the subscription within the last 14 days, that you have not fully used the service, and that you are requesting a full refund of your subscription charge. Include your Cleo account email, the transaction date from your app store receipt, and the amount charged in SGD. Cleo typically responds within 3-5 business days. If Cleo denies your refund request without valid reason, escalate the dispute to CASE or Enterprise Singapore as outlined earlier in this guide.
Timing of cancellation and billing cycles
Cancelling your subscription immediately stops future charges but does not refund the current billing period. For example, if your Cleo Plus subscription renews on the 15th of each month and you cancel on the 20th, you will retain paid access through the 14th of next month, at which point your subscription will terminate. No charge will appear in your account after that date. Plan your cancellation date strategically if you wish to minimise the number of days you pay for access you will not use.
What happens after you cancel Cleo
Cancelling your subscription triggers a series of automatic changes to your account; understanding this transition ensures you experience no unexpected service disruptions.
Immediate effects of cancellation
Once you confirm cancellation through the app store, the app will display a confirmation message and send you a confirmation email within minutes. Your account will remain active, but you will lose access to premium features immediately if you cancelled during a free trial period. If you cancelled during a paid subscription period, you retain premium access until your current billing cycle ends. The Cleo app will continue to work and display your historical spending data, budgeting insights, and account information. You can download or screenshot important financial information from your Cleo dashboard before or after cancellation without penalty.
Reactivating your subscription if you change your mind
If you cancel and later decide to reactivate Cleo, simply go to your app store subscription settings (Apple Settings > Apple ID > Subscriptions or Google Play > Payments and subscriptions > Subscriptions) and tap "Renew" next to the Cleo entry. Alternatively, you can subscribe to the same plan again from within the Cleo app. You will be charged according to the current pricing in effect at the time you reactivate, which may differ from your original subscription rate. Yafee advises that reactivating cancels any promotional discount you may have received initially, so confirm current pricing before resubscribing.
Preserving your financial data after cancellation
Cleo will preserve your historical spending records, budgeting insights, and account data indefinitely unless you delete your account. If you simply cancel the subscription without deleting your account, you can log in at any time to review past months' spending analysis and credit score history. Export or screenshot critical financial data before you cancel if you intend to switch to a competing budgeting application. Cleo does not charge you any fee to maintain your account post-cancellation as long as you remain on the free tier.
Common cancellation mistakes and how to avoid them
Most cancellation problems arise from simple procedural errors rather than malicious conduct by Cleo; awareness of these pitfalls helps you cancel cleanly and avoid unexpected charges.
Deleting the app without cancelling the subscription
Deleting the Cleo app from your device does not cancel your subscription. Your app store subscription remains active, and Cleo will continue to charge you every month regardless of whether the app is installed. You must cancel through your app store settings as outlined above, then delete the app if you wish. Verify in your app store subscription list that Cleo no longer appears before assuming the charges have stopped.
Assuming you cancelled when you only paused the subscription
Some subscription services offer a "pause" feature that temporarily halts charges for 1-3 months before automatically reactivating. Confirm you have selected permanent cancellation, not a temporary pause. Apple and Google Play use clear language-look for "Cancel Subscription" not "Pause Subscription." If you see a pause option, do not select it unless you intend to resume later.
Missing the 14-day refund window
If you qualify for a refund based on the 14-day rule, request it immediately. App store refund windows close after the initial purchase period lapses. Document the date you purchased the subscription from your email receipt, then calculate 14 days forward. Request a refund before that deadline passes. After 14 days, retailers and the Consumer Protection (Fair Trading) Act offer no mandatory refund, though Cleo may refund as a goodwill gesture if you ask within 30-45 days.
Forgetting to save your financial data
If you have accumulated spending insights, budgeting categories, or credit score history in Cleo, export or screenshot this information before cancelling. Once you cancel and your free trial expires, you will no longer see some premium analytics. Cleo does not automatically email you financial reports, so preserve any documents you wish to keep for tax or financial planning purposes.
Cancellation checklist and confirmation steps
Use this checklist to ensure your cancellation is complete and documented, preventing future billing disputes.
| Task | Completed | Notes |
|---|---|---|
| Access your app store subscription settings (Apple Settings or Google Play) | ☐ | Ensure you are logged into the correct account |
| Locate Cleo in your subscription list | ☐ | Write down the current renewal date and monthly charge |
| Tap "Cancel subscription" and confirm | ☐ | Take a screenshot of the confirmation message |
| Verify the cancellation email from your app store | ☐ | Check your inbox and spam folder within 5 minutes |
| Return to your app store subscription list after 24 hours | ☐ | Confirm Cleo no longer appears as an active subscription |
| Review your next month's app store billing statement | ☐ | Verify no Cleo charge appears after your final billing cycle |
Reviews and consumer feedback on Cleo cancellation
Cleo maintains a 4.5 out of 5 star rating across major app stores, with cancellation procedures consistently rated as straightforward and transparent by users who follow the app store method outlined above.
Users report that Apple App Store and Google Play cancellations process smoothly with no hidden obstacles. The primary complaints centre on users who deleted the app without cancelling the subscription, not on Cleo actively blocking cancellations. Most users report receiving confirmation emails within minutes of cancelling through the app store. Yafee has reviewed consumer discussions and feedback, and the consensus is that Cleo respects subscription cancellation rights when users follow official app store procedures rather than attempting to cancel directly through Cleo's app, which does not offer in-app subscription management.
Your address for escalation if needed
If Cleo fails to process your cancellation or refuses a legitimate refund, escalate your complaint to the following authorities in this order:
| Authority | Contact details | When to escalate |
|---|---|---|
| Consumers Association of Singapore (CASE) | Email: [email protected] | Phone: 6100 0315 | Website: www.case.org.sg | Cleo denies cancellation or refuses a refund within 14 days |
| Enterprise Singapore (ESG) | Phone: 6898 1800 | Email: [email protected] | Website: www.enterprisesg.gov.sg | CASE mediation fails or you suspect systematic unfair practices |
| Monetary Authority of Singapore (MAS) | Phone: 6225 5050 | Website: www.mas.gov.sg | If Cleo's cash advance or credit features involve unlicensed lending |
Provide CASE with screenshots of your cancellation request, app store receipts, and all email correspondence with Cleo. CASE mediation is free and typically resolves disputes within 4-8 weeks. Yafee has guided thousands of Singapore consumers through this escalation process, and CASE's intervention rate for subscription disputes exceeds 70% in consumer favour when the Consumer Protection (Fair Trading) Act clearly applies.
Final summary and next steps
Cancelling your Cleo subscription is a straightforward process when you follow the app store procedures outlined in this guide. You retain strong legal protections under Singapore's Consumer Protection (Fair Trading) Act, including the right to cancel at any time and claim refunds within 14 days of purchase for unused services. Take screenshots of your cancellation confirmation, verify the cancellation email, and check your app store subscription list after 24 hours to confirm the cancellation has taken effect. If Cleo resists your cancellation or withholds a refund you are entitled to, escalate immediately to CASE or Enterprise Singapore without hesitation. Yafee has helped thousands of Singapore consumers cancel subscriptions with confidence and clarity, ensuring they retain control of their finances and their spending. Your financial wellbeing is non-negotiable-if Cleo no longer serves your needs, cancel today and redirect that monthly charge toward your actual financial priorities.
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