ChatGPT Can Now Connect to Your Bank Accounts

OpenAI is turning ChatGPT into a personal finance dashboard. A new integration rolling out to the ChatGPT iOS app lets users connect their bank and credit card accounts directly to the chatbot, giving the AI the ability to analyze spending habits, track subscriptions, and answer questions using real transaction data.



Right now, the feature is limited to Pro subscribers in the United States as an early preview. Once activated from the sidebar, the app uses Plaid to securely sync balances and transactions from more than 12,000 institutions. Rather than just offering generic budgeting advice, ChatGPT generates an up-to-date dashboard showing portfolio performance, spending, subscriptions, upcoming payments, and more. OpenAI says support for Intuit accounts will also be added soon.



To handle the complex logic behind these requests, the tool defaults to the GPT-5.5 Thinking model, which OpenAI launched recently for advanced reasoning tasks. Users can also feed the app additional context about their lives, such as a savings goal, mortgage, or outstanding debt. ChatGPT stores these details as "financial memories," allowing the assistant to reference a user's broader financial picture in future conversations.



The company noted that more than 200 million people already use ChatGPT every month for budgeting, investing, and other money-related questions. To help evaluate the quality of the new experience, OpenAI worked with more than 50 professionals across major institutions to test the model against challenging personal finance tasks. Even with those safeguards, the company stresses that ChatGPT is not a replacement for professional advice.



The long-term goal is to move beyond answering questions and help people take action. Through its work with Intuit, ChatGPT will eventually be able to estimate taxes, connect customers with local tax experts, check credit card approval odds, and help complete applications directly inside the chat window.


Handling connected account data naturally raises privacy and security concerns. OpenAI says ChatGPT can access balances, transactions, investments, and liabilities to answer questions and generate visualizations, but it cannot view full account numbers or make changes to accounts. Users can also opt out of having these conversations used for model training, and temporary chats will not access the connected data at all. If an account is disconnected, OpenAI says the synced information will be deleted from its systems within 30 days.


OpenAI plans to expand the feature to Plus subscribers after gathering feedback from the initial rollout.

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