US users can now connect ChatGPT to their bank accounts. The AI tool then evaluates cash flows with its own dashboards and provides financial advice. OpenAI is currently offering the tool as a test for users of its Pro subscription, and the function will later be rolled out to other subscription models.
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Accounts from over 12,000 financial institutions can now be connected to ChatGPT via the Plaid service and soon also via Intuit. According to OpenAI, ChatGPT can then access account balances, transactions, investments and liabilities – but cannot view full account numbers, make transfers or other changes. For connected accounts, ChatGPT provides a dashboard that includes, for example, expenses, subscriptions or upcoming payments.
Special financial memory
With “@Finances” users can activate the new finance function in their prompts, answers to which then contain, for example, graphical evaluations and real expense overviews based on the connected bank accounts.
If ChatGPT receives further information from the user about the current financial situation, be it upcoming installment payments, savings goals or similar, this ends up in a special financial memory of the LLM. ChatGPT can then take this information into account in future @Finance requests, otherwise it will be left out.
Under the hood is OpenAI’s new reasoning model ChatGPT 5.5 Thinking, which performed best in an internal benchmark developed specifically for the finance function. According to OpenAI, the benchmark was developed together with financial experts. But of course the following applies: ChatGPT’s new finance function is not a replacement for professional financial advice. AI models can make mistakes, are prone to hallucinations, and may not take into account important contextual information that the user does not provide.
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