Overview
- ChatGPT’s finance feature, announced Friday, launches in preview for U.S. Pro subscribers at $200 per month on web and iOS before a wider rollout.
- Connections run through Plaid, which links to 12,000+ institutions, giving ChatGPT read-only access to balances, transactions, investments, and debts without the ability to move money or view full account numbers.
- Users can disconnect accounts at any time, review and delete saved “financial memories,” opt out of model training for their chats, and expect synced data to be removed from OpenAI’s systems within up to 30 days after disconnect.
- Reporters flag unclear wording around the training opt-in, a lack of detail on any commercial use of financial profiles, and no specific assurances beyond Plaid’s encryption track record.
- OpenAI says the tool offers information rather than financial advice, notes it has no fiduciary duty, and sets GPT-5.5 Thinking as the default model after testing on personal finance tasks with industry professionals.