OpenAI is no longer content with just drafting your emails; it’s ready to look at your bank statement. In a bold update for the iOS app, ChatGPT now lets users link their financial accounts directly to the AI. Using the sophisticated GPT-5.5 Thinking model, the bot acts as a personal financial dashboard, analyzing your spending habits and flagging those forgotten subscriptions.

Instead of jumping between banking apps, you can simply ask ChatGPT how much you’ve spent on coffee this month or get a summary of your investment performance. While it uses Plaid to securely sync data from thousands of institutions, the access is strictly read-only, so the AI can’t actually touch your money. With 'Financial Memories' and robust privacy controls, OpenAI is turning your iPhone into a proactive financial assistant that’s one step closer to becoming a true smart agent.