How do you connect your bank account to ChatGPT?

Choose one place for the bank connection. Finances and an app like Candor both link the same accounts through Plaid, so connecting both leaves two copies of your bank data and two connections to remove later.

Before you connect, set up your ChatGPT account the way you want it: multi-factor authentication on, your model training choice made, and a permission level picked for any app. The safety guide below walks through each setting.

1. Open Finances from ChatGPT's sidebar. On the web it lives at chatgpt.com/finances. You can also type @Finances, connect my accounts in any conversation.

2. Select Connect Finances. OpenAI's help center calls this button Get started; the label can differ by surface.

3. Select Connect with Plaid, sign in to your bank on Plaid's screen, and choose the institutions and accounts to share.

4. Return to ChatGPT. OpenAI says syncing and categorizing usually take a few minutes and in rare cases several hours.

5. Check that it worked. Ask the question below. ChatGPT should name the accounts it can see and the date of the latest transaction. If an account shows a balance but no history, your bank may share only balances.

1. Open Plugins in ChatGPT's sidebar, or go to Settings > Plugins > Browse directory, and search for Candor Finance. The ChatGPT setup page below links straight to the listing.

2. Select Install plugin, then Connect when ChatGPT asks.

3. Sign in to Candor or create your account, and start your trial.

4. On Candor's sign-in screen, choose Allow. That approves ChatGPT's access to your Candor workspace, not to your bank.

5. Link your bank in Candor through Plaid. If your bank won't connect, import statements instead and your agent works from those records.

6. Set the permission in Settings > Plugins > Candor Finance > Permission. Always ask makes ChatGPT ask before it reads or changes anything. Allow read-only tools lets it read your records freely and still asks before saving a note, budget, or goal, which is a good place to start.

7. Check that it worked. Open a new conversation, select Candor Finance, and send the message below. ChatGPT should name the accounts Candor covers, or say none are linked yet. A plugin badge alone does not mean it can see your records.

1. Download a PDF statement or CSV export from your bank's website.

2. Remove or cover full account numbers and anything else you would not want kept in a chat.

3. Upload the file and ask one specific question, such as where your spending went last month.

4. Check that it worked: ask ChatGPT which account and date range it read. Then delete the chat and file when you are done if you don't want them kept.

Bank not listed or the Plaid sign-in fails: not every institution connects through Plaid, and banks have outages. Plaid's help center at my.plaid.com/help covers sign-in errors. With Candor, statements are the fallback for a bank that won't connect.

Only balances or a short history: OpenAI says Finances shows only what your bank makes available, so some accounts connect with balances but not full history.

Lockdown mode: it lives under Advanced security in Settings > Security and login. While it is on, Finances and live connectors, including Candor, do not work.

To disconnect: remove a single account in the Accounts tab on the Finances page, or disconnect Finances there. For a plugin like Candor, disconnecting it under Connected accounts in Settings > Plugins stops ChatGPT's access to your Candor workspace; it does not unlink your bank. To remove a bank, disconnect it on Candor's Connections page. Uninstall removes the plugin and can disconnect the accounts connected through it, so read the warning before you confirm.

ChatGPT works through the numbers with you and tells you what works, what doesn't yet, and what would have to change. Candor is not a licensed advisor and gives no advice; your agent makes the suggestions and you make the call.

Your agent's conversations stay in ChatGPT and follow its retention and training settings. Candor's own data you can export or delete from your account at any time.

ChatGPT steps come from OpenAI's Finances, plugins, and app account help articles and its personal finance announcement, including the October 2, 2026 update. Menu names were checked in ChatGPT on the web on October 6, 2026; labels can differ on the phone apps. Candor is included because this is Candor's site. OpenAI changes these features often, so check the linked sources.