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. To connect your accounts, you use Plaid—a tool that links many banks and financial apps. Plaid works with more than 12, 000 institutions, such as Chase, Fidelity, Schwab, and American Express. Once linked, ChatGPT can read your balances, past spending, active subscriptions, upcoming bills, and any loans or mortgages you have. It cannot change your account settings or show full account numbers.The chatbot offers a dashboard that gives you an overview of your finances. You can ask it questions like “Has my spending gone up lately? ” or “How should I save for a house? ” OpenAI claims that the latest GPT‑5. 5 model is better at financial reasoning than earlier versions. In the near future, support for Intuit will arrive. That would let ChatGPT analyze tax implications of selling stocks or estimate your chances of getting a credit card or loan. Is it wise to link your bank account? OpenAI says you can disconnect at any time, and data is deleted 30 days after you do. You also control whether your information helps train their models. However, the company has not detailed how it protects your 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.