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ChatGPT Gets Money‑Tracking Power, Users Are Worried
USA, San FranciscoSaturday, May 16, 2026
OpenAI has introduced a test‑mode feature that lets paid ChatGPT Pro users in the United States link their bank accounts. The AI can then display a simple chart of spending and answer questions about habits.
Public Reaction
| Platform | Tone | Key Points |
|---|---|---|
| Mixed | • Criticism over past data‑sharing lawsuits. • Skepticism about trusting a chatbot with bank statements. • Optimists see potential budgeting aid. | |
| Mostly negative | • Main ChatGPT subreddits barely mentioned it. • r/technology posts labeled it “sounds like malware.” • Concerns about data use for training or sale. | |
| General | Cautionary | “I wouldn’t trust my mom with my bank account, nor my dog chuckles.” |
OpenAI’s Response
- Uses Plaid for secure account linking.
- Users can disconnect at any time.
- Deleted data is purged after 30 days.
- A setting prevents the AI from accessing finances in temporary chats.
Unresolved Issues
- Whether data will be retained for model improvements.
- How it would be protected in a breach.
The Bottom Line
The feature’s promise of clearer budgeting is tempered by widespread mistrust. When personal finances are involved, earning user confidence remains a significant hurdle.
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