I connected ChatGPT to my bank, and it's my go-to finance app now - here's how (and why)

https://www.zdnet.com/a/img/resize/7b40deed0a5d574aef38acf39c0957976ecfb516/2026/07/07/83b31cd6-7eb4-4c4c-9358-2bb48ac537a7/42.jpg?auto=webp&fit=crop&height=675&width=1200

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ZDNET's key takeaways

  • ChatGPT can connect to financial accounts through Plaid.
  • It can analyze spending, debt, subscriptions, and investments.
  • It can't move money or see full account numbers.

I've been using ChatGPT since it launched, so by now, I've put it to work on just about everything, including my finances.

It's walked me through setting up a brokerage account, helped me understand how to start investing, and pointed me toward books and resources so I could learn the basics quickly. I read them. I followed the advice. I'm now averaging a 16% return on my investments. In other words, ChatGPT has genuinely helped me make better financial decisions.

Also: How to use ChatGPT: A beginner's guide

So when I saw that OpenAI had launched a personal finance experience inside ChatGPT, my ears perked up.

Until now, like many people, I've...

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