OpenAI tests ChatGPT bank account integration

openai rolled out a preview of a personal finance tool for us pro subscribers, syncing with over 12,000 institutions via plaid to provide read-only analysis of spending and investments. the system uses the gpt-5.5 thinking model to track subscriptions, set savings goals, and offer concrete advice, such as suggesting a user could save $705 monthly by adjusting dining and subscription costs. internal benchmarks show gpt-5.5 thinking scored 79 on financial accuracy, significantly outperforming the gpt-5.3 instant model. while the chatbot currently cannot move money, openai plans to add direct actions like credit card applications through a future partnership with intuit.