OpenAI links bank accounts to ChatGPT

OpenAI said on May 15 that it had started previewing a personal-finance feature inside ChatGPT for Pro users in the United States, letting them connect bank, credit-card and investment accounts and ask questions based on their own financial data. The company said the product is available first on web and iOS and is rolling out gradually. OpenAI said users can see spending, subscriptions, bills, net worth and investment information in one place. The feature uses Plaid to connect supported accounts, according to OpenAI’s Help Center. ### Which ChatGPT users can connect accounts right now? OpenAI said the preview is limited to ChatGPT Pro users in the United States. The company’s release notes say the rollout began on May 15 and is starting gradually rather than appearing for all eligible users at once. OpenAI’s product page says users can access it through a “Finances” section in ChatGPT. The Help Center says the feature is currently available on web and iOS. (openai.com) OpenAI has not said in those materials when, or whether, it will expand the product to lower-priced plans or to users outside the United States. ### What does ChatGPT show after the accounts are linked? TechCrunch reported that connected users get a dashboard showing portfolio performance, spending, subscriptions and upcoming payments. (openai.com) OpenAI’s own materials say the product lets users view where their money is going, along with bills, subscriptions, net worth and investment information. (help.openai.com) OpenAI said users can then ask questions grounded in their financial context, goals and priorities. The Help Center gives examples including debt planning, emergency funds, retirement contributions, idle cash and tax organization, while adding that ChatGPT does not replace a tax professional. ### How are bank and brokerage accounts being connected? Plaid is the account-linking provider for the product, according to OpenAI’s Help Center. (techcrunch.com) That page says Plaid supports connections to more than 12,000 banks, credit cards, brokerages and other financial institutions. OpenAI did not list every institution in its announcement, but outside reports said the supported network includes major U.S. financial firms such as Chase, Fidelity, Robinhood, American Express and Charles Schwab through Plaid’s broader connectivity. (openai.com) Those reports matched OpenAI’s description of a wide institution network rather than direct bilateral integrations with each bank. (help.openai.com) ### What can ChatGPT do with that data — and what can’t it do? OpenAI’s Help Center says ChatGPT can help users understand, plan and evaluate financial decisions, but it cannot take actions on their accounts. The page says the system cannot move money, pay bills, make trades, change retirement contributions, open or close accounts, or file taxes. The same page says ChatGPT is not a fiduciary, registered investment adviser, broker-dealer, tax preparer or law firm, and that responses are for informational and planning purposes only. (help.openai.com) OpenAI says users remain responsible for their financial decisions and should consult qualified professionals on legal, tax or investment matters. ### What controls does OpenAI say users have over the information? (help.openai.com) OpenAI said users stay in control of their connected accounts and can disconnect them. Yahoo Tech, citing the launch materials, reported that users can also delete financial memories inside ChatGPT. The Help Center says account data syncs automatically after authentication and that some connections may take minutes, while others can take hours. (help.openai.com) OpenAI’s product page says the finance experience is meant to keep the user inside ChatGPT while reviewing spending and asking follow-up questions. That release did not announce any separate pricing for the feature beyond the existing Pro subscription. ### What happens next in the rollout? May 15 is the only launch date OpenAI has given so far, and the company’s release notes describe the product as a preview that is still rolling out to U.S. (tech.yahoo.com) Pro users. The Help Center and product page are the main places where OpenAI has posted eligibility, controls and feature limits as the rollout continues. (openai.com)