Instant
payments
Send a link, get paid in seconds. SEPA Instant, Apple Pay, card — all built in.
We partner with founders to make moving money the simplest part of running a business.
See pricingCleó is built for the people moving the business forward. A real Irish IBAN, instant SEPA, multi-currency, expense control, and an AI assistant that knows every customer — in one app.
Explore the productBuilt ground-up for Irish business: an IBAN that goes live the same day, instant SEPA, expense cards for the team, and a finance copilot that sweats the small stuff.
Send a link, get paid in seconds. SEPA Instant, Apple Pay, card — all built in.
Hold and send in 30+ currencies. Real IBANs in EUR, GBP, USD — at the mid-market rate.
Issue cards for the team. Tag, approve, and reconcile against Revenue in one place.
Whatever you need to know — or get done — just ask Cleó. She's read every meeting note, every transaction, every invoice. Any question answered, any task completed.
Cleó keeps a complete record of every relationship: every email, meeting, payment, and interaction — so your sales team always knows where each account stands and what it takes to grow it.
"We switched from a pillar bank in an afternoon. The IBAN was live the same day — settlement is faster than anything we'd seen."
"Twelve shops, one dashboard. The team's expense cards mean I'm not chasing receipts on a Sunday anymore."
"SEPA Instant + multi-currency in one app. Our payroll across IE, UK, and US runs from one balance now."
No hidden fees. No exit fees. Cancel any month — your money is always yours.
Still curious? Email hello@cleo.ie — a real person in Dublin replies within the hour.