OpenAI has launched a set of personal-finance tools for ChatGPT, allowing users in the United States to connect their bank and brokerage accounts and ask the chatbot questions about their spending, saving and financial planning.
The feature, initially offered to paying subscribers, uses the data aggregator Plaid to link accounts. OpenAI said the integration supports connections to thousands of financial institutions, including major banks and brokerages.
With accounts connected, users can ask ChatGPT to analyse transactions, summarise spending patterns and answer planning questions in conversational language, rather than navigating separate budgeting applications.
The launch extends OpenAI’s push to make ChatGPT a hub for everyday tasks, and places it in more direct competition with established personal-finance software and with banks’ own digital tools.
Handing account access to an AI assistant raises questions about data security and privacy, and about the reliability of automated financial guidance. OpenAI said the feature was built around user consent and data protections, and that account connections are read-only.
The move is part of a broader race among technology companies to embed AI assistants into financial services, a sector where accuracy and trust carry particular weight.