OpenAI Launches ChatGPT Finance Tools with Bank Account Linking

Key Takeaways

• ChatGPT Pro subscribers can connect accounts from 12,000+ financial institutions through Plaid
• OpenAI acquired the Hiro personal finance startup team in April, one month before this launch
• Over 200 million users already ask ChatGPT financial questions monthly

OpenAI rolled out personal finance tools for ChatGPT on Friday, letting Pro subscribers in the U.S. connect their bank accounts, brokerage accounts, and credit cards directly to the chatbot.

The feature uses Plaid, the financial connection service that already powers apps like Venmo and Robinhood, to link accounts from over 12,000 financial institutions. Supported banks and brokerages include Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One.

What the finance dashboard does

Once you connect your accounts, ChatGPT displays a dashboard showing portfolio performance, spending patterns, active subscriptions, and upcoming payments. You can then ask questions in natural language.

OpenAI gave two example prompts: "I feel like I've been spending more recently. Has anything changed?" and "Help me build a plan to be ready to buy a house in my area in the next 5 years."

The company said its new GPT-5.5 model handles contextual reasoning better than previous versions. That matters for finance questions, where the answer often depends on multiple factors across different accounts.

How to connect your accounts

Pro subscribers have two ways to access the feature. You can click "Get started" in the "Finances" option in the ChatGPT sidebar. Or type "@Finances, connect my accounts" directly in a conversation. The chatbot then walks you through linking accounts via Plaid.

To disconnect, go to Settings > Apps > Finances and remove specific account connections. OpenAI says synced data will be deleted from ChatGPT within 30 days of disconnection. You can also view and delete individual "financial memories" from the Finances page.

The Hiro acquisition connection

This launch comes exactly one month after OpenAI acquired the team behind Hiro, a personal finance startup backed by Ribbit, General Catalyst, and Restive. OpenAI said the Hiro team's finance expertise helped ship this product but didn't confirm whether they built the entire feature.

OpenAI also plans to add Intuit integration soon. That would enable analysis of tax implications from stock sales or estimates of credit card approval odds.

The AI finance race heats up

OpenAI isn't alone in pushing AI into sensitive personal data categories. Both OpenAI and Anthropic have launched health-related tools. Earlier this month, Perplexity released its own financial research product built on its Computer agent.

The pattern makes sense. General-purpose chatbots already field questions about health, money, and personal decisions. Building specialized features for these categories lets AI companies offer better answers while adding stickiness to their products.

Availability and rollout

The personal finance tools are available now on ChatGPT's web interface and iOS app, but only for Pro subscribers in the U.S. OpenAI described this as a preview release. The company said it wants user feedback before expanding to Plus subscribers.

Frequently Asked Questions

Which banks work with ChatGPT's personal finance feature?

ChatGPT connects to over 12,000 financial institutions through Plaid, including Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One. Intuit integration is coming soon.

Is ChatGPT personal finance available for Plus subscribers?

Not yet. The feature is currently in preview for Pro subscribers only. OpenAI plans to expand to Plus users after gathering feedback from the initial rollout.

How do I delete my financial data from ChatGPT?

Go to Settings > Apps > Finances to disconnect accounts. Synced data is deleted within 30 days. You can also manually delete individual financial memories from the Finances page.

Is ChatGPT personal finance available outside the U.S.?

No. The feature launched as a U.S.-only preview for Pro subscribers. OpenAI hasn't announced international availability plans.

Source: TechCrunch / Ivan Mehta