OpenAI has rolled out a preview feature that lets ChatGPT pull data from users’ bank accounts through Plaid, the connector serving roughly 12,000 financial institutions such as Chase and Capital One. Once linked, the model can read balances, transaction history, subscriptions, investment holdings and liabilities, then surface a spending dashboard and personalized advice. Access is limited to Pro subscribers paying $200 per month.

Earlier this year OpenAI introduced a health‑records add‑on that let users query medical information, a move that sparked debate over data stewardship. The new banking integration mirrors that playbook: users retain the ability to disconnect, delete stored “financial memories,” and opt out of model‑training use, yet OpenAI retains up to 30 days to purge the data after disconnection.

Providing a full financial picture enables ChatGPT to flag unusual spending and suggest budgeting tweaks, a convenience many early adopters will test. At the same time, the service aggregates a treasure trove of personal finance signals that could be monetized once OpenAI pursues broader profitability. Users must weigh immediate utility against the opaque long‑term handling of their financial data.