OpenAI has introduced a new personal finance feature for ChatGPT that allows users to connect their bank accounts and view financial activity directly through the chatbot.
The feature, currently available in preview mode for U.S.-based ChatGPT Pro users, enables users to link accounts from more than 12,000 financial institutions. Once connected, ChatGPT can display financial dashboards, recent transactions, balances, investments, and liabilities, while also answering questions based on a user’s financial situation.
According to OpenAI, the feature is designed to help users better understand spending habits, analyse financial trade-offs, plan major purchases, and manage long-term financial goals.
“With your financial accounts connected, 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,” the company said.
The rollout also includes a partnership with financial software company Intuit. Through the integration, users will be able to schedule sessions with local tax experts directly within ChatGPT.
OpenAI stated that ChatGPT will not have access to full bank account numbers and will not be able to make changes or transactions from connected accounts. However, the chatbot will still be able to view financial details such as balances, transaction history, debts, and investments to provide financial insights and recommendations.
The company plans to eventually expand the feature to more users in the future.
At the same time, the launch has raised concerns around privacy and data security. Experts have warned that sharing highly sensitive financial information with AI systems could create risks if data is exposed through hacks, leaks, or misuse.
Reports also noted that user data could potentially be used to train AI models if users keep the “improve the model for everyone” option enabled in ChatGPT settings. The setting is reportedly enabled by default, although users can manually opt out.
Cybersecurity experts have cautioned that leaked transaction data could potentially be exploited for highly targeted phishing attacks and financial scams.
Despite the concerns, OpenAI said millions of users already rely on ChatGPT for budgeting, investment planning, and personal finance advice, making financial integration a natural next step for the platform.
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