Overview
- The feature, which OpenAI announced Friday, lets Pro users in the U.S. link bank and investment accounts through Plaid and connect to more than 12,000 institutions including Schwab, Fidelity, Chase, Capital One, Robinhood, and American Express.
- Once linked, ChatGPT shows a unified dashboard with spending, subscriptions, upcoming bills, balances, and investment performance so users can ask questions grounded in their real finances.
- OpenAI says ChatGPT does not see full account numbers or execute transfers, and users can disconnect accounts at any time with synced data erased within 30 days; financial memories can be reviewed and removed.
- Access begins on the web and iOS with plans to open the feature to Plus subscribers next and to add connections through Intuit after the preview.
- OpenAI cites GPT-5.5 reasoning gains and the recent addition of the Hiro personal-finance team, signaling a wider shift toward AI tools that help people track spending, plan big purchases, and manage money in one place.