OpenAI Taps Plaid to Connect Bank Accounts

Pro users of ChatGPT can now connect their financial accounts, see a dashboard of their finances, ask the chatbot questions and receive answers that are grounded in their financial context.

OpenAI released this personal finance experience to Pro users in the United States on Friday (May 15) and plans to roll it out to Plus and other users in the future, the company said in a Friday press release.

The ability to connect financial accounts is supported by more than 12,000 financial institutions, according to the release. The secure linking of accounts is enabled by Plaid. Intuit will soon support this feature as well.

More than 200 million people already ask ChatGPT questions about personal finance every month, the release said.

“Recent advances in GPT-5.5 make ChatGPT stronger at reasoning through the complex, context-dependent questions that personal finance often requires,” OpenAI said in the release. “With your financial accounts connected, ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyles and priorities, helping you spot patterns, understand tradeoffs and plan for big decisions in a way that feels more personal and complete.”

ChatGPT’s personal finance experience can answer questions about goal planning, travel spend analysis, spending insights, scenario planning, investment risks and subscription review, per the release.

OpenAI said this experience is not a replacement for professional financial advice.

Plaid said in a Friday blog post that the connectivity it provides to the personal finance experience in ChatGPT enables real-time answers that are grounded in the user’s actual accounts and cash flow.

“There has never been a more exciting time to be building in financial services,” Plaid Chief Technology Officer Will Robinson said in the post. “More than half of Americans say managing money without AI will soon feel outdated, and every company in FinTech and banking is already thinking about how to meet that moment.”

When the support of Intuit is live, the new ChatGPT experience will also allow users to take actions such as submitting a credit card application, getting a trusted tax estimate and scheduling a live session with a local tax expert.

Intuit announced in November that it launched a partnership with OpenAI that would lets ChatGPT users take “trusted, secure and accurate financial actions” through Intuit’s various apps that can be accessed within the chatbot.