OpenAI has launched a new personal finance experience inside ChatGPT that allows users to connect their bank accounts and receive AI-powered financial insights directly within the chatbot. The feature is currently rolling out as a preview for Pro users in the United States on web and iOS platforms.
The new system enables users to securely connect financial accounts including bank accounts, credit cards and investment portfolios. After linking accounts, users can ask ChatGPT questions related to spending habits, budgeting, subscriptions, savings plans and long-term financial goals.
According to reports, the feature is powered through a partnership with Plaid, which supports account connections from more than 12,000 financial institutions. Supported institutions reportedly include Chase, Fidelity, Robinhood, Capital One and American Express.
Users connecting their accounts will see a dashboard summarizing portfolio performance, upcoming payments, active subscriptions and spending activity. They can also ask conversational queries such as whether their spending patterns have recently changed or how to prepare financially for future goals like buying a home.
OpenAI has said the feature cannot move money or carry out transactions on behalf of users. The company has also stated that users will have control over their financial data, including the ability to disconnect linked accounts and remove saved financial information.
The rollout comes as OpenAI continues expanding ChatGPT into more specialised use cases. Earlier reports had indicated the company was increasing its focus on finance-related AI tools and capabilities.
However, the launch has also sparked privacy discussions online, with some users questioning how sensitive financial data may be handled by AI systems. Community reactions on social platforms have highlighted concerns around data security and trust while others compared the feature to existing budgeting applications already available in the market.
Frequently asked questions
Who can use the new ChatGPT personal finance feature?
The feature is currently available in preview for ChatGPT Pro users in the United States on web and iOS devices.
Which accounts can users connect?
Users can connect bank accounts, credit cards and investment portfolios through Plaid-supported institutions.
Can ChatGPT make transactions from linked accounts?
No. OpenAI has stated that ChatGPT cannot move money or perform financial transactions.
