Cleer Money FAQ
The short answers to what Cleer Money is, how the want or need method works, how it protects your bank data and what it costs.
About the app
Cleer Money is an Australian iOS app for money awareness. It connects to your bank through the Consumer Data Right (Open Banking) and sorts each transaction into a want or a need, so you can see where your money actually goes. It is a budget-free alternative to budgeting apps and spreadsheets.
No. There are no budgets, no categories to maintain and no spending limits. Cleer Money is built for people who find budgeting tedious and just want to understand where their money goes. If you want to see the difference, read about the want or need method.
It imports your transactions automatically, then you swipe each one as a want or a need. Over time it learns your merchant preferences with Smart Rules, so sorting gets faster. Insights then show your want and need split, weekly patterns and top merchants.
People who want spending clarity without the overhead of budgeting, including anyone who has tried budgeting apps and given up. If plans and spreadsheets keep falling apart for you, Cleer Money is built for you.
Privacy, banks and pricing
Cleer Money uses accredited Consumer Data Right (Open Banking) access through Fiskil rather than storing your bank login. Access is read-only, so the app can never move or touch your money, and you can withdraw consent at any time. See our CDR Policy for the detail.
No. Cleer Money is funded by subscriptions only. It does not sell your data, show ads or refer you to lenders. Your banking data is used for one thing: showing you your own spending.
Australian banks available through the Consumer Data Right, including the big four (CommBank, ANZ, Westpac and NAB) and many others. Cleer Pro connects up to two bank accounts.
There is a free tier, Cleer Lite, which includes CSV import, the want or need swipe, streak tracking and 30 days of history. Cleer Pro is $6.99 per month or $69.99 per year (saving about 17%) and adds automatic bank connection, unlimited history, spending targets and full insights. Prices are in AUD.
Not yet. Cleer Money is iOS only at launch. Android is something we would like to explore in future depending on demand.
No. It is built for the Australian market and Australian Open Banking. The bank connection only works with Australian banks.
Still have a question? Read the full method, browse Help or email support@cleermoney.com.au.