ChatGPT links bank accounts via Plaid for Pro users

OpenAI has added a Plaid integration to ChatGPT that can connect to more than 12,000 U.S. financial institutions. The preview is available now to ChatGPT Pro subscribers in the U.S. on the web and iOS, and it provides read-only access to balances, transactions, investments and subscriptions.

After a user links an account through Plaid, ChatGPT can read recent account activity and use that data to produce personalized budgeting plans and spending targets. The feature looks across linked accounts to summarize spending by categories such as dining, shopping and transportation, and it can report on investments and liabilities. The integration cannot move funds or display full account numbers; access is read-only.

The feature defaults to OpenAI’s GPT-5.5 Thinking model. OpenAI reported that GPT-5.5 Thinking scored 79 out of 100 on a benchmark created with more than 50 finance professionals, while GPT-5.5 Pro scored 82.5 on the same test. The company acquired two fintech teams, Roi and Hiro, in the past year and folded those teams into development of the product.

The preview is offered to ChatGPT Pro subscribers, a tier priced at $200 per month. OpenAI plans to collect feedback during the Pro preview before expanding access more broadly.

Plaid handles the technical connection and uses bank-level encryption. Plaid does not store bank credentials and has processed more than 150 million account connections, the company reports. OpenAI’s documentation on connected accounts states: “Your conversations with connected financial accounts follow the same model training settings you choose across ChatGPT.” The company also notes that users can disconnect accounts at any time and that “synced data gets deleted from its systems within 30 days.”

OpenAI also cautioned that the tool is not a licensed financial advisor and has no fiduciary duty; the assistant can identify patterns and suggest targets but does not carry legal obligations that apply to professional advisors.

Other companies are building Plaid-connected finance tools, and Intuit plans future integrations with ChatGPT. OpenAI said about 200 million people already ask ChatGPT financial questions each month; the new feature adds structured data access to those interactions.

For users who prefer not to connect account data to a cloud service, similar personalized results can be produced by manually importing statements into a chatbot or by using local or privacy-focused models and agents, though those options require more setup and manual data handling.