OpenAI Plugs ChatGPT Into Your Bank
OpenAI rolled out a personal-finance preview inside ChatGPT on May 15. Pro subscribers in the US can now hook bank, brokerage, and card accounts directly into the assistant. The plumbing goes through Plaid, which means 12,000+ institutions including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One are one click away from being read by a conversational agent.
Inside the new dashboard you get portfolio performance, spending breakdown, subscriptions, upcoming payments, and a chat panel that takes prompts like "help me build a plan to buy a house." The model running the show is GPT-5.5, which OpenAI calls stronger at reasoning over heavy context. An Intuit integration is queued next to pull tax impact analysis and credit card approval predictions into the loop.
This is the first time a major lab has wired a chat assistant directly to bank-grade financial APIs as a consumer product. It is also the obvious follow-up to OpenAI's April acquisition of Hiro. The frame to watch is whether Anthropic and Google scramble out their own equivalent. Mint died because it could not do anything with the data it aggregated; ChatGPT can ask why you spend $400 a month on takeout and book you a budget consult in the same message.
Privacy lever is there: accounts can be disconnected at any time, synced data is wiped within 30 days. Web and iOS at launch, Plus tier later if early Pro feedback holds. Preview at openai.com.
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Inside the new dashboard you get portfolio performance, spending breakdown, subscriptions, upcoming payments, and a chat panel that takes prompts like "help me build a plan to buy a house." The model running the show is GPT-5.5, which OpenAI calls stronger at reasoning over heavy context. An Intuit integration is queued next to pull tax impact analysis and credit card approval predictions into the loop.
This is the first time a major lab has wired a chat assistant directly to bank-grade financial APIs as a consumer product. It is also the obvious follow-up to OpenAI's April acquisition of Hiro. The frame to watch is whether Anthropic and Google scramble out their own equivalent. Mint died because it could not do anything with the data it aggregated; ChatGPT can ask why you spend $400 a month on takeout and book you a budget consult in the same message.
Privacy lever is there: accounts can be disconnected at any time, synced data is wiped within 30 days. Web and iOS at launch, Plus tier later if early Pro feedback holds. Preview at openai.com.
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