ChatGPT will now dole out finance tips if you connect your bank account. I won’t.
ChatGPT now lets Pro subscribers in the US connect their bank accounts through Plaid to get personalized financial guidance and spending analysis.
Hollif
ChatGPT can now access your bank account to offer spending analysis and financial planning.
OpenAI
ChatGPT already knows a lot about you. OpenAI now wants to add your finances to that list. The company has launched a personal finance feature for ChatGPT, currently in preview for Pro subscribers in the US at $200 a month. OpenAI says it will expand to Plus users after gathering feedback from this early rollout.
It lets you connect your financial accounts through Plaid, a platform that bridges bank apps with third-party services and works with over 12,000 institutions, including Chase, Fidelity, Schwab, American Express, and more.
A preview for Pro users: a new personal finance experience in ChatGPT.
Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect.
Your full financial picture, now in ChatGPT. pic.twitter.com/NjbJqOqFRi
What can ChatGPT see when you connect your financial accounts?
OpenAI
Once connected, ChatGPT can see your balances, spending history, active subscriptions, upcoming payments, stock portfolio, and liabilities like credit card debt and mortgages. It cannot make changes to your accounts or view full account numbers.
A dashboard gives you a snapshot of your financial picture, and you can ask the chatbot things like whether your spending has changed recently or how to plan for buying a home. OpenAI says its newer GPT-5.5 model handles financial reasoning better than previous versions.
Support for Intuit is also coming soon, which would allow ChatGPT to analyze things like the tax impact of a stock sale or your odds of getting approved for a credit card and loan.
Should you actually connect your bank account to ChatGPT?
OpenAI
OpenAI says users stay in control, with the ability to disconnect accounts at any time. Synced data gets removed within 30 days of disconnecting. You can also delete saved financial memories and choose whether your data is used to train OpenAI’s models.
OpenAI doesn’t clearly spell out what happens to your financial data beyond AI training or what protections are in place in the event of a security breach. Your bank balance, spending habits, and credit card debt are about as personal as it gets. Whether you trust an AI chatbot with all of that is entirely up to you.
This launch follows ChatGPT Health, introduced in January, which raised similar trust questions around sensitive personal data. Earlier today, OpenAI also added Codex to the ChatGPT mobile app, allowing you to monitor and steer AI-powered coding sessions directly from iOS and Android.
Manisha Priyadarshini is a tech and entertainment writer with over nine years of editorial experience.
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