OpenAI adds Plaid bank‑account link to ChatGPT
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- OpenAI announced a preview that lets ChatGPT users securely link their bank accounts through Plaid, covering about 12,000 institutions such as Schwab, Fidelity, Chase, and Capital One.
- OpenAI will initially roll the feature to U.S. users on the $200‑per‑month ChatGPT Pro tier, with plans to expand to Plus and eventually all users.
- ChatGPT can display a spending dashboard, track subscriptions, and advise on financial decisions, but it cannot modify accounts or view full account numbers.
- OpenAI gives users control to disconnect accounts, delete “financial memories,” and choose whether their data trains the model; data may be retained up to 30 days after deletion.
- OpenAI introduced the feature after streamlining its product lineup (dissolving Prism, cutting Sora) and amid multiple lawsuits over user data handling.
Why it matters: Pro‑tier users gain AI‑driven budgeting and decision support, while OpenAI taps a new revenue stream; the data‑control promises aim to quell privacy concerns that have fueled recent lawsuits.
