Independent guide. Checked November 10, 2026. Not financial advice.

Personal Finance in Claude

You can now connect your bank to Claude and ask where the money went. Before you do, it is worth knowing precisely what you are handing over, because the list is specific.

Who can use it

Beta, United States only, on Pro, Max and Ultra plans. It began rolling out the week of November 5, 2026. It is not on the free plan, and Team and Enterprise are not on the list. One report notes that moving your account into a Team or Enterprise organization unlinks connected accounts.

What Claude can see once you connect

The name of each bank and each account, and the account type.
The last four digits of the account number.
Balances and credit limits.
Up to two years of transactions.

Anthropic's release notes list bank, credit card, loan and investment accounts. The connection runs through Plaid: you sign in to your bank inside Plaid's window and choose which accounts to share. Claude does not ask for or see your banking password.

What it cannot do

Access is read-only. It cannot move money, pay a bill, make a trade or open anything. Anthropic also says the feature has no ads and no sponsored recommendations, and that it does not sell cards, loans or savings accounts of its own. Conversations in the Personal Finance hub are not used to train its models.

Three questions worth asking it

Where did my money go this month, and is that more than usual? This is the headline use and it is a good one. Categorized totals across every account in one answer beats four banking apps.
Am I being charged twice for anything, or paying fees I did not expect? Anthropic says it looks for duplicate charges, surprise fees and bills that creep up.
How much interest did I pay in the last year? A number most people have never seen added up.

Where we would be careful

It reads transactions. It does not know about the cash you keep elsewhere, the account you did not connect, or the raise you are expecting. Treat answers about "can I afford" as arithmetic on partial data, and check anything that matters against the statement itself.

Two years of transaction history is also a detailed record of your life. Read-only does not mean low-stakes. Connect the accounts you want analysed, not every account you own by reflex.

How to disconnect

Press reports describe two routes: unlinking accounts in Claude itself, and revoking access from Plaid's own portal at my.plaid.com. The second is worth knowing in case you ever lose access to the Claude account. Deleting your Claude account also unlinks them once the deletion is processed.

Compared with ChatGPT

OpenAI shipped a similar Plaid-based feature in May 2026. The shape is the same: connect accounts, ask questions, read-only. We have not seen a reason to switch assistants over this feature alone. Use the one you already pay for.

Different need? Finance teams doing this at work should look at Claude for finance teams and the finance plugin instead.

Before you connect a bank

Can Claude move my money?

No. Personal Finance is read-only. It cannot move, manage or invest money.

Is Claude Personal Finance available outside the US?

Not at launch. The beta is limited to US users on Pro, Max and Ultra plans.

Does Claude see my bank password?

No. You sign in to your bank through Plaid and approve which accounts to share. Claude sees account names and types, the last four digits, balances, credit limits and up to two years of transactions.

Sources

ClaudeCowork.com is an independent site and is not affiliated with Anthropic. Features in beta change quickly; the date at the top is when we last checked this page against the sources above.