ChatGPT’s personal finance feature has launched in the US, allowing you to view your personal bank accounts

OpenAI launched a ChatGPT personal finance feature on May 16, connecting users’ real bank accounts via financial data infrastructure provider Plaid. It rolled out in the US in a preview form for Pro subscribers paying $200 per month, supporting both the web version and iOS. Once connected, ChatGPT gains read-only access to balances, transactions, investments, and liabilities from more than 12,000 financial institutions.

Feature Specifications: Confirmed Technical Details

Confirmed by OpenAI’s official information:

Connection infrastructure: Plaid, which already supports Venmo, Robinhood, and thousands of fintech applications

Coverage: more than 12,000 financial institutions

Access type: read-only; can read balances, transactions, investments, and liabilities

Feature limitations: cannot transfer funds; cannot view full account numbers

Analysis timeframe: actual spending records from the past 90 days

Default model: GPT-5.5 Thinking (financial feature benchmark test score 79/100)

Pro subscription version: GPT-5.5 Pro (benchmark test score 82.5/100)

Benchmark evaluation basis: a testing framework developed in collaboration with more than 50 financial professionals

Privacy Policy: Confirmed Data Handling Rules

Confirmed by OpenAI’s official policy:

Training data settings: after linking a financial account, conversations follow the same model training settings that the user chooses in ChatGPT; if the user has opted out of training, this setting also applies to the financial feature

Data handling after disconnecting: synchronized data will be deleted from OpenAI systems within 30 days

Plaid security measures: uses bank-grade encryption, does not store users’ bank credentials, and has processed more than 150 million connections

Confirmed legal disclaimer: not a financial adviser; no fiduciary duty

Based on an OpenAI official statement, the ChatGPT personal finance feature does not have the status of a financial adviser and does not carry any fiduciary duty (i.e., legally no obligation to act in the user’s best interest). ChatGPT can identify spending patterns and provide recommendations, but any financial decisions the user makes remain solely the user’s responsibility.

Related Industry Background

Confirmed based on public information:

OpenAI acquisition: Within the past year, OpenAI has successively acquired Roi, a personalized investment app, and Hiro Finance, which claims to be an “AI personal CFO” (completed acquisition via hiring in April 2026; the Hiro product was shut down, and the team was integrated into OpenAI)

Competitive moves: Perplexity recently launched a Plaid-based financial product; Intuit is also set to join ChatGPT, at which point users can estimate tax impact in the chat interface or get the probability of credit card approval

Plus user rollout timeline: after collecting feedback from the Pro preview, it will be released to Plus users; the specific date has not been announced

Usage background: OpenAI says that each month, more than 200 million people ask ChatGPT financial questions

Frequently Asked Questions

What account data can the ChatGPT personal finance feature access, and what can’t it access?

According to OpenAI’s confirmation, accessible data includes read-only information about balances, transaction records, investments, and liabilities. Unavailable content includes full account numbers, and it does not have the ability to transfer funds. The link covers more than 12,000 financial institutions.

If I don’t want my financial account data used to train OpenAI models, how should I set it?

According to OpenAI policy, conversations after linking financial accounts follow the model training settings the user previously chose in ChatGPT. If the user has opted out of model training, the same setting also applies to the financial feature. After disconnecting the connection, synchronized data will be deleted from OpenAI systems within 30 days.

How are the legal responsibilities of ChatGPT’s financial recommendations different from those of traditional financial advisers?

According to an OpenAI official statement, ChatGPT does not have the status of a financial adviser and does not carry any fiduciary duty, meaning there is no legal obligation to act in the user’s best interests. ChatGPT can identify spending patterns and provide recommendations, but any financial decisions the user makes based on those recommendations, and their consequences, are the user’s responsibility.