US ChatGPT Pro Users Can Now Connect Their Bank Accounts to Get Financial Advice

OpenAI announced yesterday a new personal finance experience in ChatGPT that lets users connect their bank accounts to receive personalized financial insights. The new feature is available for ChatGPT Pro users in the US, and it relies on the fintech company Plaid to connect bank accounts from American Express, Bank of America, and more than 12,000 financial institutions.

“People are already turning to ChatGPT for help: more than 200 million people come to ChatGPT⁠ every month for budgeting, questions about their investments, comparing different paths, planning for future goals, and more,” OpenAI said yesterday. “With your financial accounts connected, ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions in a way that feels more personal and complete.”

Personal finances in ChatGPT is available for Pro users on the web and the iOS app. To get started, Pro users will need to open ‘Finances’ from the ChatGPT sidebar, link their bank accounts via Plaid, and then the chatbot will automatically organize financial information into a dashboard. Once ChatGPT has access to their banking information, Pro users will be able to ask for personalized financial advice.

A preview for Pro users: a new personal finance experience in ChatGPT.

Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect.

Your full financial picture, now in ChatGPT. pic.twitter.com/NjbJqOqFRi

— ChatGPT (@ChatGPTapp) May 15, 2026

OpenAI said that it worked with over 50 finance professionals across leading institutions to create this new personal finance experience in ChatGPT, which leverages its latest GPT-5.5 Thinking reasoning model. “ChatGPT can help you stay informed and feel more confident managing your finances, but it is not a replacement for professional financial advice,” the company emphasized.

The ChatGPT maker also made it clear that the chatbot can’t see full account numbers or make any changes to connected bank accounts. Pro users can still delete financial memories and disconnect their accounts in ChatGPT at any time. Moreover, financial conversations will respect users’ model training settings, and temporary chats in ChatGPT won’t be able to access data from connected bank accounts.

The AI startup said that it’s planning to roll out this new personal finance experience in ChatGPT to Plus and free users after testing it with Pro users. The company is also working on an integration with the financial management platform Intuit.

OpenAI isn’t the first AI startup to add a new personal finance experience to its chatbot. Earlier this year, Perplexity also announced a new integration with Plaid, which allows users to connect their bank accounts to the chatbot and get AI-powered financial insights.