OpenAI Launches a ChatGPT Version for Personal Finance, Which "Securely" Connects to Bank Accounts
May 22, 2026
IBL News | New York
OpenAI released this month a pilot of a personal finance tool for Pro users, available on the Web and iOS, that “securely” connects and syncs accounts to a reasoning ChatGPT 5.5 Thinking model, showing a dashboard with portfolio performance, spending, subscriptions, upcoming payments, and more.
According to the company, “ChatGPT guides users through securely linking accounts through Plaid, with Intuit support coming soon. After you authenticate, ChatGPT will begin syncing and categorizing your data, which may take a few minutes.”
“Managing finances today often means piecing together accounts, apps, cards, loans, and spreadsheets just to know where things stand. Even then, it can be hard to see the full picture or know what to do next.”
The tool is supported by more than 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One.
OpenAI said that its vision for ChatGPT is to go beyond answering questions to help users take action to improve their financial lives and connect with local experts in real time.
In terms of security, the company ensured that once accounts are connected, ChatGPT can access users’ balances, transactions, investments, and liabilities to help visualize finances or answer questions. It cannot see full account numbers or make any changes to your accounts.
Once disconnected, synced account data will be deleted from OpenAI’s systems within 30 days.
OpenAI said that over 200 million people use ChatGPT(opens in a new window) for budgeting, questions about their investments, comparing different paths, planning for future goals, and more.
The new product comes one month after OpenAI acquired the team behind the personal finance startup Hiro, which was backed by firms such as Ribbit, General Catalyst, and Restive.
AI companies are enhancing generalized chatbots to answer questions about data-sensitive topics such as health, finance, and personal life.
Both OpenAI and Anthropic have launched health-related tools. Also, Perplexity launched this month its own financial research product based on its Computer agent.
