TLDR

  • OpenAI launched personal finance tools inside ChatGPT for U.S. Pro subscribers on Friday
  • Users can link bank and investment accounts via Plaid, which connects to over 12,000 financial institutions
  • ChatGPT can view balances, transactions, holdings, and debts — but cannot move money or see full account numbers
  • OpenAI plans to add Intuit support for tax impact estimates on stock sales
  • The feature costs $200/month and will eventually expand to all users

ChatGPT Can Now Read Your Bank Account and Give Personalized Financial Advice

(SeaPRwire) –   OpenAI introduced a new personal finance capability within ChatGPT on Friday. U.S. Pro subscribers can now securely connect their bank and investment accounts directly to the chatbot.

The tool relies on Plaid, a financial data provider that integrates with more than 12,000 financial institutions. Supported platforms include Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One.

Once accounts are linked, ChatGPT presents a dashboard showing portfolio performance, spending patterns, active subscriptions, and upcoming payments.

OpenAI notes that over 200 million people already seek financial guidance through ChatGPT each month. This new function transforms general financial inquiries into tailored responses using a user’s actual account information.

How to Set It Up

To begin, users should click “Get started” in the Finances section on the ChatGPT sidebar. Alternatively, they can type “@Finances, connect my accounts” in a chat window.

Plaid then guides users through its secure authentication process. The connection between ChatGPT and the user’s bank is managed entirely by Plaid.

After linking accounts, users can ask questions such as how much was spent on groceries last month, which subscriptions may be unused, or how long it would take to pay off a credit card balance.

The assistant can also help users calculate how much to save monthly to reach a financial goal.

What ChatGPT Can and Cannot Do

ChatGPT cannot make any transactions or modifications to linked accounts. It also does not have access to complete account numbers. Its capabilities are limited to reading account balances, transaction history, investment holdings, and liabilities like mortgages or credit card debt.

Users can disconnect their accounts at any time. Upon disconnection, OpenAI will delete all synchronized data within 30 days.

Users can also review and remove individual “financial memories”—goals or financial obligations saved by the chatbot.

There is an option to control whether data from financial conversations is used to train OpenAI’s models. The company did not specify what it might do with aggregated financial data or detail the protections in place in case of a data breach.

OpenAI stated that its GPT-5.5 model processes finance-related queries with improved contextual reasoning. The team collaborated with financial professionals to develop a benchmark for evaluating the quality of personal finance questions.

OpenAI also intends to integrate Intuit, enabling ChatGPT to estimate the tax implications of selling stocks.

The feature is currently available on ChatGPT’s web and iOS applications, exclusively for Pro subscribers who pay $200 per month.

OpenAI plans to gather feedback from Pro users before launching the feature for Plus subscribers, with a long-term goal of making it accessible to all users.

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