2 signals in the last 90 days
Side-by-Side Comparison
| Metric | Cleo | EarnIn |
|---|---|---|
| Founded | ||
| Founded | 2016 | 2012 older |
| Headquarters | ||
| Headquarters | London, United Kingdom | Mountain View, United States |
| Employees | ||
| Employees | 639 | 551 |
| Industry | ||
| Industry | Not tracked yet | Financial Services, Fintech, Payments |
| Funding Stage | ||
| Funding Stage | Series C | Series C |
| Total Funding | ||
| Total Funding | $137.50M | $190.10M |
| Funding Rounds | ||
| Funding Rounds | 5 | 4 |
| Services | ||
| Services | AI-driven spending analysis, Personalized budgeting tools, Automated savings and financial goal tracking, Credit building solutions, Financial education through engagement and feedback, 24/7 customer interaction and support | Earned Wage Access, Live Pay, Early Pay, Balance Shield, Tip Yourself, Credit Monitoring, EarnIn Payroll |
| Target Customers | ||
| Target Customers | Young adults, Individuals experiencing financial stress, People seeking personalized finance management, Users interested in improving financial literacy, Tech-savvy consumers looking for AI-driven solutions | individual employees, businesses offering employee benefits, individuals seeking financial planning tools, consumers interested in personal finance apps |
| Taxonomy | ||
| Taxonomy | AI Assistant, Personal Finance, Financial Well-being, Digital Banking, Financial Tools, Financial Insights, Saving Automation, User Experience, Customer Empowerment, Financial Education, Humor In Finance, Inclusive Finance, Conversational AI, Data-Driven Insights | Earned Wage Access, Financial Technology, Mobile Payments, On-Demand Pay, Payroll Solutions, Credit Monitoring, Automated Savings, Low-Balance Protection, Consumer Financial Empowerment, Personal Finance Management, Budgeting Tools, Instant Pay, Financial Wellness, Payday Advance, Fee-Free Financial Services |
| Website | ||
| Website | meetcleo.com | earnin.com |
About Cleo
Cleo, founded in 2016 in the United Kingdom, is redefining fintech by using AI to transform how people relate to their finances. With the slogan, "Join the fintech that’s fighting back," the company aims to break the traditional financial mold and cater to the needs of the 99%. Offering a platform...
About EarnIn
EarnIn is a disruptive player in the Financial Services and Fintech industries, headquartered in the United States. Established in 2012, the company aims to redefine how money moves, offering services such as early wage access, credit monitoring, and low-balance protection without interest, credit c...
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BounceWatch watches Cleo and EarnIn for new funding, fast hiring, new executives and a change of software vendor. When one happens, we email you the same day.
Funding, hiring, leadership and stack changes at Cleo and EarnIn — by email.
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Compiled from the BounceWatch company index. We last looked at Cleo on 30 Apr 2026, and EarnIn on 15 Oct 2025. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.