ChatGPT can now read your bank account — but only in the US
OpenAI has launched a personal finance feature inside ChatGPT that lets users connect their bank accounts and get personalized money advice — but for now it's limited to US Pro subscribers, with no confirmed date for UK or international access.
The feature went live in May 2026, roughly a month after OpenAI acquired Hiro, an AI personal finance startup whose team built the underlying financial reasoning capabilities. OpenAI says more than 200 million people already ask ChatGPT money-related questions every month; this makes those answers specific to your actual accounts.
How it works
The integration runs through Plaid, which connects to over 12,000 financial institutions — including Citi, Chase, Affirm, and Robinhood. Once you link your accounts, ChatGPT generates a dashboard showing balances, transactions, investments, and liabilities. You can then ask questions in plain language: where your money is going, whether you're on track to hit a savings goal, or how a purchase affects your monthly budget.
Access is through a new Finances section in the sidebar, or by typing something like "@Finances, connect my accounts." An Intuit integration is also planned, which would add tax-scenario modeling to the mix, reports TechCrunch.
The privacy claim
ChatGPT gets read-only access — it cannot see full account numbers, move money, or change any account settings. OpenAI's announcement says users can disconnect accounts or delete stored financial data at any time. Conversations in temporary chat mode are not saved, and if you've previously opted out of having your data used for model training, that setting carries over here too.
The UK wait
For UK users, the picture is murkier. Plaid holds FCA authorization (Firm Reference Number 804718) covering account information services, so the regulatory groundwork exists — but OpenAI has not announced a UK launch timeline. Under Open Banking rules, any third-party accessing your financial data needs explicit FCA-sanctioned consent flows, and OpenAI would need to confirm its UK compliance setup before expanding.
The Pro subscription costs $200 per month in the US. At current exchange rates that sits around £150, which makes the finance tools a bonus on an already expensive plan rather than a standalone reason to subscribe. Whether OpenAI prices a UK tier differently remains to be seen.
