ChatGPT now wants access to your bank account so it can tell you to stop ordering takeout

OpenAI is testing a personal finance feature that lets US Pro subscribers connect their bank accounts to ChatGPT for tailored analysis.

OpenAI has rolled out a preview of this new tool on the web and iOS. Instead of relying on generic advice, users can pull up a spending dashboard and ask questions based on their actual financial data.

With over 200 million people already using the chatbot monthly for budgeting and planning, the company wants to ground these conversations in reality. OpenAI plans to refine the tool based on early feedback before expanding it to Plus subscribers, with a long-term goal of universal access.

Accounts link through Plaid, which supports more than 12,000 financial institutions, with Intuit integration coming later. Once authenticated, ChatGPT takes a few minutes to sync and categorize the data.

The connection process runs through Plaid, giving the chatbot read-only access to user data. | Image: OpenAI