ChatGPT Can Now Access Your Bank Account — As OpenAI Expands Into Personal Finance

OpenAI has rolled out a finance-focused update for ChatGPT Pro subscribers in the US, enabling users to link their bank accounts to the AI assistant for personalized financial insights. The feature supports connections with more than 12,000 financial institutions, including Chase, American Express, Capital One, Fidelity, and Robinhood, through Plaid’s data network. Users can analyze spending trends, debt repayment timelines, and home-buying readiness by querying their transaction history directly within ChatGPT. OpenAI also confirmed a partnership with Intuit to integrate tax-related assistance in future updates, allowing users to connect with tax experts via the platform. Account security remains a priority, with OpenAI stating that full bank account numbers are inaccessible to the AI, and users retain control over linked data. Connected accounts can be disconnected or deleted at any time through settings. The company emphasized that financial data integration is optional, and users can adjust privacy settings to prevent conversations from contributing to AI training models. However, cybersecurity experts have raised concerns about potential risks, including data exposure through hacks or phishing attacks, given the sensitivity of transaction histories. The finance tool builds on ChatGPT’s existing popularity, with over 200 million monthly users already seeking financial advice, such as budgeting and investment planning. OpenAI highlighted improvements in its GPT-5.5 model, which enhances accuracy for complex financial queries. The feature is currently in preview for ChatGPT Pro subscribers on web and iOS platforms, with broader availability pending user feedback and testing. OpenAI’s expansion into personal finance reflects a broader trend in AI integration across sensitive sectors, including healthcare and productivity services. Competitors like Perplexity have also launched financial research tools, intensifying rivalry in AI-driven assistance. While the update positions ChatGPT as a versatile digital assistant, privacy safeguards and ethical considerations remain critical as AI systems handle increasingly personal data.