ChatGPT is opening up to your bank account.

@OpenAI has moved into personal finance, announcing a new feature that lets @ChatGPTapp connect directly to users' bank accounts, investment portfolios, and credit accounts via @Plaid.

What the Integration Does

The company is releasing a preview of a new personal finance experience in ChatGPT to Pro users in the US, allowing them to securely connect their financial accounts, view a dashboard of where their money is going, and ask ChatGPT questions grounded in their financial context. That includes spending history, balances, stock portfolios, mortgages, and credit card debt.

The rollout covers more than 12,000 financial institutions, starting with Pro users in the US on web and iOS. OpenAI says it will learn from early use before extending the feature to Plus subscribers, with the goal of eventually making it available to everyone. Pro access costs $200 a month.

The connection works through Plaid's standard account-linking flow. Once accounts are connected, ChatGPT can access balances, transactions, investments, and liabilities to help visualise finances or answer questions, but it cannot see full account numbers or make any changes to accounts. OpenAI retains financial data for up to 30 days after a user disconnects.

Privacy and the Broader AI Finance Push

Once accounts are synced, users see a dashboard giving an up-to-date view across portfolio performance, spending, subscriptions, upcoming payments, and more. Beyond connected accounts, users can also share broader financial context, such as a mortgage, a savings goal, or a major upcoming purchase, which ChatGPT can save to memory and draw on in future conversations.

The move validates a prediction @Plaid CEO Zach Perret (@zachperret) made last October. Speaking at Semafor's World Economic Summit in Washington, DC, Perret said it is "inevitable that AI is going to drive our financial lives." That moment has arrived faster than many expected.

OpenAI is not alone in moving this direction. Other AI platforms have moved into similar territory, with OpenAI releasing financial services tools and Anthropic moving into wealth management through Claude integrations. The race to become the default AI layer for personal finance is clearly underway.

Sources:
OpenAI: A new personal finance experience in ChatGPT
Yahoo Finance: Plaid CEO says AI will drive our financial lives
PYMNTS: AI platforms and Plaid financial integrations