OpenAI has added a personal finance tool to ChatGPT that lets users link their bank accounts directly to the chatbot. The ChatGPT bank accounts feature is now in preview for Pro subscribers in the US, letting people ask questions about budgeting, savings, and financial planning without switching between multiple apps.
The service connects to accounts from more than 12,000 financial institutions. Once linked to the ChatGPT bank accounts dashboard, users see a breakdown of income and outgoings over time, presented as tables and charts. Pro subscribers can access it via the Finances option in the sidebar or by typing “@Finances, connect my accounts.”
How ChatGPT bank accounts work
The feature covers questions about daily budgeting, subscription costs, long-term savings goals, and investment tradeoffs. It does not make transactions. OpenAI states the chatbot “cannot make any financial transactions” with connected accounts, at least for now.
The feature runs on GPT-5.5 Thinking, which OpenAI says performs better than earlier models on complex personal finance tasks. It scores 82.5 out of 100 on OpenAI’s internal benchmark. OpenAI also notes the service “is not a replacement for professional financial advice,” a caveat that accounts for how often AI produces incorrect outputs in specialized domains.
The feature was developed with input from more than 50 finance professionals. As the preview expands, OpenAI plans to bring financial industry partners onto the platform, which could eventually let users compare loan options and apply directly within ChatGPT. Users can disconnect accounts and delete chat history at any time.
Early skepticism from users
Reaction on Reddit has been cautious. One user called the feature “clearly insane.” Another described it as sounding “like malware.” Both point to concerns about data privacy and the risk of AI errors when the system has access to sensitive financial records.
OpenAI argues this builds on something users already do. Many ChatGPT users already ask financial questions, and the company says connected accounts give those queries real grounding: “ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions in a way that feels more personal and complete.”
Connecting banking data to a third-party AI service requires trusting its security and data handling practices, a concern that surfaced quickly in the early Reddit reaction.
The ChatGPT bank accounts preview is US-only and limited to Pro subscribers for now. OpenAI has not announced a timeline for broader availability.