OpenAI Launches ChatGPT Finance Tools With Bank Account Connections

OpenAI has officially launched a new personal finance feature for ChatGPT, allowing users to connect their bank accounts and receive AI-powered financial insights directly inside the chatbot.

The new tools are currently available in preview for ChatGPT Pro subscribers in the United States and mark one of OpenAI’s biggest moves yet into consumer financial services.

To power the account integrations, OpenAI partnered with Plaid, a widely used financial connectivity platform that links apps to banking institutions. Through Plaid, users can connect accounts from more than 12,000 financial institutions, including Charles Schwab, Fidelity Investments, JPMorgan Chase, Robinhood, American Express, and Capital One.

Once accounts are connected, users can access dashboards showing portfolio performance, spending trends, subscriptions, and upcoming payments.

The company says users can ask ChatGPT detailed financial questions such as:

• “I feel like I’ve been spending more recently. Has anything changed?”
• “Help me create a plan to buy a house in my area within five years.”

The feature is designed to combine conversational AI with personalized financial analysis, allowing users to receive context-aware answers based on their real financial data.

OpenAI said the product benefits from the reasoning improvements introduced in its new GPT-5.5 model, which the company claims performs better when handling context-heavy finance questions.

According to OpenAI, more than 200 million users already ask financial questions through ChatGPT every month, making personal finance one of the platform’s fastest-growing use cases.

The launch comes shortly after OpenAI acquired the team behind personal finance startup Hiro in April. Hiro had previously received backing from firms including Ribbit Capital, General Catalyst, and Restive Ventures.

While OpenAI did not confirm whether Hiro built the entire finance feature, the company acknowledged that the team’s financial expertise played a major role in the product’s development.

Users can activate the new tool by selecting the “Finances” option in ChatGPT’s sidebar or by typing “@Finances, connect my accounts” directly into a conversation.

The company also revealed plans to add support for Intuit in the future. That integration could enable more advanced financial analysis, including estimating tax impacts from stock sales or evaluating the likelihood of credit card approvals.

OpenAI emphasized that users remain in control of their financial data. Connected accounts can be removed through Settings > Apps > Finances, and synced financial information will reportedly be deleted from ChatGPT within 30 days after disconnection.

Users will also have the ability to review and delete financial memories stored by the AI assistant.

The launch reflects a broader trend across the AI industry as companies move beyond general-purpose chatbots into specialized sectors like healthcare, finance, and research.

Earlier this year, both OpenAI and Anthropic introduced healthcare-related AI tools, while Perplexity AI recently unveiled its own AI-powered financial research product.

For now, OpenAI says the finance tools are only available on the web and iOS versions of ChatGPT for Pro users, though the company plans to expand access to Plus subscribers after gathering feedback from the initial rollout.

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