CLEÓ
01 / Banking
Dublin · Ireland
Cleó
Business
•••• •••• •••• 0934
Cardholder
AOIFE NÍ BHROIN
Valid thru
04/30
Cleó
5412 7589 0023 4218
Cardholder
DONAL MCCARTHY
Valid thru
12/29
Founders

We partner with founders to make moving money the simplest part of running a business.

See pricing

Banking, built
for Irish
business.

EST · 2026 SEPA · IBAN · Revenue Online
Trusted by 2,000+ Irish businesses
CENTRA SUPERVALU TESCO IRELAND SPAR BROWN THOMAS DUNNES AVOCA PENNEYS BOOTS IRELAND CENTRA SUPERVALU TESCO IRELAND SPAR BROWN THOMAS DUNNES AVOCA PENNEYS BOOTS IRELAND
MOVE
02 · Built for operators

Move money,
close deals,
grow faster.

Cleó 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 product
03 · Tools

Everything a business actually needs.

Built 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.

Feature 01

Instant
payments

PAYMENT LINK cleo.ie/p/9f2a
€50.00|
EUR

Send a link, get paid in seconds. SEPA Instant, Apple Pay, card — all built in.

Feature 02

Multi-currency
accounts

EUR
IE29 AIBK 9311 5212 3456 78
128,402.55
£
GBP
GB82 WEST 1234 5698 7654 32
42,118.30
$
USD
Routing · 026 0094 93
9,205.10

Hold and send in 30+ currencies. Real IBANs in EUR, GBP, USD — at the mid-market rate.

Feature 03

Expense
management

MERCHANT AMOUNT STATUS
  • Centra · Rathmines €18.40 Paid
  • SuperValu €124.95 Paid
  • Brown Thomas €312.00 Pending
  • Tesco Ireland €67.20 Open
  • Spar · Dame St €8.10 Paid

Issue cards for the team. Tag, approve, and reconcile against Revenue in one place.

09:41 ●●●●● 5G
CLEÓ · ASSISTANT
YESTERDAY · 14:08
"You discussed pilot, pricing, and next steps with Gabrielle for Aon AI."
G
Gabrielle Smith
CFO · Aon AI Ltd
ACTION ITEM
Send Q3 quote including discussed scope and pricing
Due 2026-02-15 Pending
SUGGESTED
Draft the quote Pull last invoice Open thread
02 · Assistant

The assistant your sales team has always wanted.

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.

  • a.
    Need to prepare for tomorrow's meeting?
    Cleó pulls every conversation, open invoice, and recent news mentioning them.
  • b.
    Just got off a call?
    Key points, action items, and follow-ups land in your feed before the kettle.
  • c.
    Time to file Revenue?
    VAT, RCT, payroll — categorised and one tap away from submission.
05 · Customer intel

Know the moment a customer is ready to buy — or at risk.

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.

HM
Highland Machinery
CRO 612 8821 · Cork
Healthy
ANNUAL REVENUE
€78.5M
EMPLOYEES
120
Last interaction · 14 Jan View account →
app.cleo.ie/intel
Research recent news where @Highland Machinery is mentioned, and find contact information for the management team.
✓ RESEARCH COMPLETED ● Highland Machinery

Recent news where Highland Machinery is mentioned, plus contact info for the management team.

POSITIVE
Highland Machinery secures €88M wind turbine deal with AGM
Financial Times · 2h ago
POSITIVE
UK manufacturing output rises for third consecutive month
Bloomberg · 1d ago
NEUTRAL
Board changes: New CEO appointed effective 1 Jan 2026
Official filing · 1d ago
POSITIVE
Reports record Q3 driven by infrastructure investments
The Economist · 1d ago
04 · By the numbers

A bank that moves at the speed of business.

€2.4B
Processed this year
2,000+
Irish businesses onboarded
0.3s
Avg payment settle time
24/7
Dublin-based human support
WORDS
07 · Words

From the people running Ireland's businesses.

"We switched from a pillar bank in an afternoon. The IBAN was live the same day — settlement is faster than anything we'd seen."

Aoife Ní Bhroin
CEO · Stride · Dublin

"Twelve shops, one dashboard. The team's expense cards mean I'm not chasing receipts on a Sunday anymore."

Donal McCarthy
Owner · McCarthy & Sons · Cork

"SEPA Instant + multi-currency in one app. Our payroll across IE, UK, and US runs from one balance now."

Cian O'Halloran
Founder · Fómhar AI · Galway
08 · Pricing

Simple. In euros.

No hidden fees. No exit fees. Cancel any month — your money is always yours.

Starter SOLE TRADER
€0
Free, forever
Open free account
  • Irish IBAN account
  • 100 free SEPA payments/mo
  • 1 expense card
  • Revenue Online basic
  • Mobile + web app
MOST POPULAR
Growth SMB
€29/mo
For growing teams
Start 30-day trial
  • Everything in Starter
  • Unlimited SEPA Instant
  • EUR · GBP · USD accounts
  • 10 expense cards
  • Xero · Quickbooks · Surf
  • Revenue Online filing
Scale CORPORATE
€99/mo
For established businesses
Talk to sales
  • Everything in Growth
  • Unlimited expense cards
  • Multi-entity / multi-IBAN
  • Approval workflows
  • Dedicated account manager
  • API + webhooks
07 · Questions

Things people ask first.

Still curious? Email hello@cleo.ie — a real person in Dublin replies within the hour.

Are you regulated by the Central Bank of Ireland? +
Yes. Cleó is authorised as an Electronic Money Institution by the Central Bank of Ireland (Reference No. C123456). Funds are safeguarded in segregated accounts at top-tier Irish credit institutions, separate from our own.
How long does setup take? +
Most sole traders are approved in under 8 minutes. Limited companies typically take 1–2 working hours, depending on CRO documents. You'll have a live IBAN before you finish your coffee.
Do you support sole traders? +
Absolutely. Our Starter tier is built for sole traders — €0 / month, an Irish IBAN, instant SEPA, and one-tap quarterly Revenue filings. No setup fee, no monthly minimum.
What about deposit protection? +
Customer funds are held in safeguarded accounts with regulated Irish banks. As an EMI, deposits are not covered by the Deposit Guarantee Scheme — but they are protected via segregation, meaning your money is never used for our operations and is returned in full in the unlikely event of insolvency.
Can I integrate with my accountant? +
Native integrations with Xero, Quickbooks, Sage, and Surf Accounts. One click and your accountant has read-only access — receipts, VAT tags, and Revenue submissions auto-flow.
08 · Open an account

Built in Dublin.
For wherever you trade.

No setup fee · No credit check · No paper