Overview
- OpenAI, which launched a limited U.S. pilot Tuesday, now lets Pro users link bank and brokerage accounts via Plaid to more than 12,000 institutions for tailored money advice using GPT-5.5.
- The connections are read-only and hide full account numbers, and ChatGPT cannot move money or change account settings.
- Users see a dashboard of spending, subscriptions, portfolios, and upcoming charges, and they can set savings goals that shape the bot’s replies.
- People can disconnect accounts and delete Financial Memories, and OpenAI says it purges synced data within 30 days, though finance chats can train models unless users opt out.
- Analysts warn the shift could move the customer interface from bank apps to platforms like ChatGPT, with plans for Intuit tie-ins and possible tax or credit tools signaling a broader push into finance.