Cleo App Not Working | Fix for “Waiting for Connection” or Login Loop

The Cleo money app is generally operational, but many users are currently experiencing specific issues with bank connections (Plaid) and login loops.

Crucial Warning: If you search for “Cleo Status” online, you will likely find a page saying “All Systems Operational” at status.cleo.com. Ignore this. That page is for a separate enterprise software company, not the personal finance app.

Here is the troubleshooting guide for the most common issues happening right now.

1. Fix for “Waiting for Connection” or Login Loop

If the app spins endlessly or says it can’t connect, this is often a “ghost” session issue where the app thinks you are logged in when you aren’t.

• The “15-Minute” Fix:

  1. Force close the app completely.

  2. Turn off your Wi-Fi and switch to Cellular Data (or vice versa).

  3. Wait fully 15 minutes without opening the app. This clears the active session on their server.

  4. Open the app again.

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2. Fix for Bank Connection (Plaid) Issues

If your bank balance isn’t updating or the app says “Action Required,” the connection between Cleo and your bank has expired.

• Do not just “refresh”: This often fails.

• The “Unlink” Method:

  1. Type “Unlink Bank” or “Wallet” into the Cleo chat.

  2. Select the bank account giving you trouble and remove it.

  3. Restart the app.

  4. Go back to the chat and type “Link Bank” to re-establish a fresh connection.

3. App Crashing on Launch (iOS/Android)

Recent updates in late 2025 have caused some stability issues on older phone software.

• Update WebView (Android only): Go to the Play Store, search for “Android System WebView,” and update it. This is the #1 cause of app crashes on Android.

• Reinstall (All phones): Delete the app and reinstall it. You will not lose your data; it is saved on Cleo’s servers, not your phone.

How to Contact Real Support

Be careful—most phone numbers online are for the other Cleo company (business software). The money app does not have a general customer service phone line.

• Email: team@meetcleo.com (This is their primary support channel).

• In-App: Type “Human” or “Support” in the chat to bypass the AI bot and flag a ticket for a human agent.