Google’s Gemini can now look at your bank and credit card accounts to find forgotten subscriptions and build budgets, if you turn it on

Google on Friday began letting people in the U.S. connect their bank and credit card accounts to Gemini, its AI chatbot, so it can answer money questions using their actual spending, according to the Mountain View company’s announcement.

Google says Gemini can only read the information.  It can’t move, manage or invest money, and the connection is off unless you turn it on.

What you can ask it

Google gave three examples:

• Review your spending, such as asking for a plan to save $1,000 over three months.  Gemini answers with charts of cash flow and budgets.
• Find subscriptions you’re still paying for, and flag any whose price went up this year.
• Look at last year’s spending on gifts and travel and suggest a holiday budget.

How it works

Gemini has a setting called Personal Intelligence that lets it draw on your other Google apps, such as Gmail, Photos, YouTube and Search, to give more personal answers.  Google Wallet, the app many Android users already use to tap and pay with their phones, is now on that list.  Wallet holds your saved cards and receipts.

To bring in outside accounts, you link them to Wallet through Plaid, a financial-data company that connects apps to people’s bank accounts.  Plaid said people can link bank accounts, credit cards, loans and investment accounts.  In effect, Gemini gets a read-only view of the same transaction lists you’d see on a bank statement. Instead of browsing the charts in a bank’s own app, you type a question and Gemini does the sorting and math. Plaid said banks and finance apps are adding AI to their own products too; Gemini’s difference is that, if you allow it, it can also draw on your Gmail, Photos and Search.

Google’s help pages say the feature requires being 18 or older, signed in with a personal Google account, not a work, school or supervised one, with the “Keep Activity” setting on. Google’s page says Personal Intelligence is being released gradually and may not be available to everyone yet.  You can connect or disconnect Wallet at any time under Settings, Personal Intelligence, Connected Apps.  It is rolling out on the web, Android and iPhone.

Things to weigh before you connect

• Chatbots can make mistakes, so check any number that matters against your bank or card statement.
• Read-only access means Gemini can’t pay or transfer money, but it does give Google’s AI a view of your transactions.
• Gemini’s personalization requires the Keep Activity setting to be on.
• Plaid says you can review and cut off its connections through its Plaid Portal.

The launch came the same day OpenAI introduced ChatGPT Wallet, which goes a step further and lets its AI agents buy things for you once you approve each purchase.

Source:  Google:  Connect Google Wallet to Gemini for personal finance insights, Nov. 13, 2026; Plaid announcement, Nov. 13, 2026; Gemini Apps Help:  Connect your Google apps.