ChatGPT Gets Your Money, But Is It Safe?

OpenAI has rolled out a new feature that lets ChatGPT peek at your bank balances, credit card debt, and even your stock portfolio. The service is currently in preview for paid Pro users in the United States, costing $200 a month. After testing with this small group, OpenAI plans to open it up to the cheaper Plus tier once they collect more feedback.

How It Works

1. Connect Accounts via Plaid
   Plaid is the bridge that links many banks and financial apps. It works with over 12,000 institutions, such as Chase, Fidelity, Schwab, and American Express.
2. Data Access
   Once linked, ChatGPT can read:
   • Balances
   • Past spending
   • Active subscriptions
   • Upcoming bills
   • Loans or mortgages
     It cannot change your account settings or reveal full account numbers.

Features

• Dashboard Overview – A visual snapshot of your finances.
• Ask Anything – Example queries:
  “Has my spending gone up lately?”
  “How should I save for a house?”
• GPT‑5.5 – OpenAI claims this model is better at financial reasoning than earlier versions.

Upcoming Enhancements

• Intuit Integration – Soon, ChatGPT will analyze tax implications of selling stocks or estimate chances of getting a credit card or loan.

Privacy & Control

• Disconnect Anytime – You can sever the link at will.
• Data Deletion – All data is deleted 30 days after disconnection.
• Training Opt‑In – You control whether your information helps train the models.

However, OpenAI has not detailed how it protects data if a breach occurs or what happens to your financial information after training. Because bank balances and debt are extremely personal, deciding whether to share that with an AI is up to you.