Removing your bank account from Cleo
To remove a bank account from Cleo, open the app, go to your account settings, find the connected bank account, and select the option to disconnect or remove it. The exact steps depend on which version of Cleo you use — the app works differently than the web version — but the process takes less than a minute once you find the right menu.
Cleo is a financial management app that connects to your bank account to show you spending, help you budget, and sometimes offer small loans. When you disconnect your account, Cleo stops seeing your transactions and balance, but your actual bank account remains untouched. Your money stays where it is, and your bank relationship does not change.
Key Takeaways
- Removing your bank account from Cleo happens entirely within the Cleo app or website and does not affect your actual bank account.
- In the mobile app, go to Settings, select your connected bank account, and choose Disconnect or Remove.
- On the Cleo website, the same option appears under Account Settings or Connected Accounts.
- After you disconnect, Cleo will no longer see your transactions, balance, or spending history.
- If you have an active Cleo loan or credit product, disconnecting your bank account may affect repayment or account status.
Steps to disconnect in the Cleo mobile app
Open Cleo and tap the menu icon (usually three horizontal lines) in the bottom right or top left corner. Look for Settings or Account Settings. Scroll down until you see a section labeled Connected Accounts, Bank Accounts, or Linked Banks — the exact name varies by app version.
Tap the bank account you want to remove. You will see options for that account. Look for a button or link that says Disconnect, Remove, or Unlink. Tap it, and Cleo will ask you to confirm. Confirm the removal, and the account is disconnected when ready.
If you cannot find these options, try scrolling within the Settings menu or looking for a gear icon next to your bank name. Cleo updates its interface regularly, so the exact location may shift between versions.
Steps to disconnect on the Cleo website
Log into your Cleo account at cleo.com or through the web version. Click on your profile icon or account menu, usually in the top right corner. Select Account Settings or Preferences.
Look for a section called Connected Accounts, Linked Banks, or Bank Connections. Find the account you want to remove and click the Disconnect or Remove button next to it. Confirm the action when prompted. The account will be removed from your Cleo profile.
What happens after you disconnect
Once you remove your bank account from Cleo, the app can no longer see your transactions, balance, or spending patterns. Any budgets, spending insights, or financial summaries Cleo created based on that account will no longer update. Historical data may remain visible in your account, but Cleo stops collecting new information.
Your actual bank account is completely unaffected. Your money, your bank's services, and your relationship with your bank do not change. You can reconnect the same account to Cleo later if you want to, though you will need to go through the connection process again.
If you have a Cleo loan or credit product
If you have borrowed money through Cleo or used a Cleo credit feature, disconnecting your bank account may create problems. Cleo typically needs access to your account to collect loan payments or monitor your account for credit decisions. Disconnecting could cause missed payments or trigger account restrictions.
Before you disconnect, check whether you have any active Cleo loans, credit lines, or payment plans. If you do, contact Cleo support through the app or website to understand what will happen when you disconnect. In many cases, you will need to keep the account connected until the loan is paid off or the credit product is closed.
Reasons people disconnect their bank account from Cleo
Some people disconnect because they no longer use Cleo or prefer a different budgeting app. Others disconnect because they are concerned about sharing bank access with a third-party app, or they want to reduce the number of apps with permission to see their account. Some disconnect temporarily while they troubleshoot a problem with the connection.
If you are disconnecting because of a technical issue — like Cleo not showing your correct balance or transactions — try disconnecting and reconnecting instead of removing it permanently. This often fixes sync problems. If you are disconnecting because you do not trust the app with your bank information, that is a valid reason, and removing it is the right step.
Reconnecting your bank account later
If you remove your account and later want to use Cleo again, you can reconnect it. Go back to Settings, find the option to add or connect a bank account, and follow the same process you used the first time. You will need to log into your bank and authorize Cleo again.
When you reconnect, Cleo will start fresh with new transaction data from that point forward. It will not recover the historical spending data from before you disconnected, so your spending history will have a gap.
Frequently Asked Questions
Does removing my bank account from Cleo close my Cleo account?
No. Removing a bank account only disconnects that one account from Cleo. Your Cleo account itself remains active. If you want to fully close your Cleo account, you will need to take a separate step to delete your account entirely, which is different from disconnecting a bank.
Will Cleo delete my transaction history when I disconnect?
Cleo may keep your historical data visible in your account, but it will stop collecting new transactions once you disconnect. The exact retention depends on Cleo's privacy policy and your account settings. If you want all your data deleted, you may need to contact Cleo support or delete your entire account.
Can I disconnect my bank account if I have a pending Cleo loan payment?
Technically you can disconnect, but it is not recommended. Cleo needs access to your account to collect loan payments. Disconnecting could cause you to miss a payment, which may result in fees or damage to your credit. Contact Cleo support before disconnecting if you have an active loan.
What if I disconnect by mistake?
You can reconnect when ready by going back to Settings and adding the account again. The process is the same as the first time you connected. You will need to authorize Cleo to access your bank account again through your bank's login.
Does Cleo charge a fee to disconnect my account?
No. Disconnecting a bank account from Cleo is free. There are no fees for removing, disconnecting, or unlinking your account from the app.