ChatGPT Can Now See Your Bank Account and Help Manage Your Money

OpenAI just made a bold move into personal finance. The company launched a new feature inside ChatGPT that lets users connect their bank accounts and receive artificial intelligence-powered financial guidance. Available as a preview for ChatGPT Pro subscribers in the United States, the tool turns the popular chatbot into a personalized financial dashboard. OpenAI announced the feature on May 15, marking a significant expansion beyond traditional text-based conversations.

How Bank Account Integration Works

The new finance experience relies on a partnership with Plaid, a widely used financial data platform. Through this integration, ChatGPT connects to more than 12,000 financial institutions, including Chase, Fidelity, Schwab, Robinhood, and American Express. Users can link accounts through the Finances sidebar or by typing a command in chat.

Once connected, ChatGPT accesses account balances, transaction history, investment portfolios, and outstanding liabilities. The system uses OpenAI's GPT-5.5 model, a large language model specifically tuned for improved financial reasoning. Users can ask about spending patterns, track subscriptions, monitor upcoming payments, and plan major purchases. For those new to AI-driven tools, LLMs are AI systems trained on vast amounts of text data to understand and generate human-like responses.

Privacy Controls and What Comes Next

OpenAI has built several privacy safeguards into the feature. ChatGPT cannot see full account numbers and cannot make changes to user accounts. Users can disconnect their financial accounts at any time through the Settings menu, and all synced data is removed within 30 days of disconnection.

The launch follows OpenAI's acquisition of Hiro, a personal finance startup, in April 2026. With over 200 million monthly ChatGPT users already asking financial questions, demand appears strong. OpenAI plans to expand the feature to Plus users based on early feedback, with the eventual goal of making it available to everyone. Intuit integration is also planned for tax impact analysis.

This move positions OpenAI in the personal finance technology space alongside dedicated budgeting apps. By embedding financial capabilities directly into ChatGPT, the company is betting users will prefer a single AI assistant for everything from writing emails to managing their money. The feature is available now on web and iOS for Pro subscribers.