Claude Personal Finance: what it can see

Claude Personal Finance can see your account names, balances, credit limits and up to 24 months of transactions from the US banks you link through Plaid. It cannot move your money, and Claude does not ask for or see your bank password. The harder question is what stays behind, because figures that reach a chat, an artifact or a shared link do not leave when you unlink the bank.

Every fact here was read on 9 November 2026 from Anthropic's Personal Finance help article and its announcement of 5 November 2026, unless another page is named. The feature is a beta, so details can change. Check those pages before you rely on one.

Who can use Personal Finance as of November 2026

Personal Finance is in beta on the Pro, Max and Ultra plans, in the US only. The help article says it isn't available on Free, Team or Enterprise plans. It lists Claude web, Claude Desktop, and the iOS and Android apps as the platforms.

The announcement says the beta "starts rolling out" that week, so an eligible account may not show it yet. If you are still choosing a plan, confirm that both the plan and the country match before you pay. Our guide to which Claude plan you need covers the differences between plans.

What Claude Personal Finance can see

You link an account by signing in to your bank through Plaid, a service that connects apps to banks. You approve read-only access there. You can link up to 16 banks, and they must be US banks.

For the accounts you choose, Claude can read:

• The bank name, plus each account's name, type and last four digits.
• Balances and credit limits.
• Up to 24 months of transactions, with the amount, date, merchant, category and your bank's description.

The help article adds a limit for some account types: "Investments, loans, and cards: Claude reads balances and credit limits, not holdings, trades, rates, or terms." It also warns that balances can be a day or two old, so a figure in a chat may not match your bank's app today.

What Claude cannot see or do

Anthropic's pages state these limits:

• Claude does not ask for or see your bank password, because you sign in through Plaid.
• Access is read-only. The announcement says Personal Finance "can't move, manage, or invest your money."
• Claude does not read holdings, trades, rates or terms for investments, loans and cards.
• Claude can't use your linked accounts in scheduled tasks, Cowork tasks or Claude Code.
• Personal Finance isn't available in Claude Duet.

The announcement also says Personal Finance has no ads or sponsored recommendations. It says the feature isn't designed to give investment advice, and that Claude can make mistakes in its answers. Check an important figure against your bank.

Can Claude see your full account number?

It can, in one case. Claude normally sees the last four digits, but the help article gives this warning: "If your bank writes a full number into an account's name or a transaction's description, Claude may see it there."

You can do a rough check before you link. Read the account names and recent transaction descriptions in your bank's own app, and look for a long number. This is only a rough check, because the article does not say that Claude receives the same text your app shows.

The same article says: "Don't share your bank login or full account numbers with anyone, including Support."

Do credit card transactions come through?

The help article does not say. This matters because the two Anthropic pages point in different directions.

The help article says Claude reads balances and credit limits for cards. Its only line about transactions, "Up to 24 months of transactions", covers linked accounts in general. It has no sentence about card transactions, either way.

The announcement says you can connect bank and card accounts, and that Claude "adds up your spending across the accounts you connected and sorts it by category." That reads as if card spending is included, but it does not say so directly.

If card spending is your main reason to link, do not assume either answer. After you link a card, ask Claude to list last month's transactions for that card, and compare the list with your statement. Remember that unlinking later removes every account under that bank login.

How do you control when Claude reads your accounts?

Claude reads your linked accounts in chats without asking each time, unless you change that. Plaid appears as a connector, which is a link between Claude and an outside service. You change it from the message box:

• Web and Claude Desktop: click + in the message box, then Connectors, and switch Plaid on or off.
• iOS and Android: tap + next to the message box, then Connectors, then Plaid. Under All tools (Set all tools on Android), choose Blocked to turn it off or Always allow to turn it on. Needs approval makes Claude ask before each read, unless the chat is set to Automatically approve.

The help article says your choice also applies to new chats. So a switch you made in one chat can still be in force in the next one. Check it before you start a chat where you expect the opposite.

What stays behind after you link a bank

Unlinking stops new reads. It does not remove what is already in your chats. The help article says past chat content, artifacts and shared links keep the information until you remove them. Each of these has its own rule.

Chats

Financial data shared in a chat "stays in your chat history until you delete the chat." There is one protection here: when a chat used your linked accounts, Claude is "designed not to save anything from that chat to memory or search that chat later." The monthly recap article also lists those conversations as excluded, including their titles. "Designed" is Anthropic's word, so we keep it.

Artifacts

An artifact is a separate piece of content that Claude builds for you, such as a chart or a dashboard. Artifacts outlive their chats: "It stays until you delete it, even if you delete the chat." Claude asks before it publishes an artifact from a chat that used your linked accounts.

Read that prompt with care, because "Any figures in an artifact, including saved ones, are shown to everyone who opens it." Artifacts can also read the linked accounts of the person who opens them, if that person has Personal Finance and allows Plaid.

Shared links

"A shared chat link shows your messages and Claude's replies, including any figures from your accounts." A link you made before you unlinked the bank keeps that information until you remove it.

Unlinking a bank

You unlink a whole bank login, not one account: "Every account you linked with that bank login is unlinked. You can't unlink a single account." The announcement says "You can unlink an account anytime", which sounds looser. The help article is the more specific page, so plan around it.

If it is your last linked bank, "your dashboard resets too." The help article says your widgets, budgets and setup answers are deleted, and that this can't be undone.

When your paid plan ends

You can't open Personal Finance, and Claude can't read your accounts in chats. But "Your banks stay linked until you unlink them." Anthropic's cancellation article says: "If you don't plan to come back, unlink your banks before your plan ends." The Personal Finance article now explicitly covers losing paid-plan access and explains how to unlink afterward: on the web, open Customize (Plugins on some accounts), then Connectors, then Plaid, click the button that starts with Unlink, and confirm. If Plaid isn't listed, disconnect Claude at my.plaid.com or contact Support. Our guide to cancelling or downgrading a Claude plan covers the rest of that process.

Moving to Team or Enterprise

The Personal Finance article says "Claude unlinks your banks when you start the move." The article about moving to Team or Enterprise tells you to do it yourself: "Unlink your banks before you move." The two pages differ on who does it. If you unlink first, you follow both pages.

Deleting your account

"When you delete your account, Claude unlinks your banks automatically." This happens after the deletion is processed.

Disconnecting at Plaid

There is a second way out: "You can also disconnect Claude at my.plaid.com, Plaid's own site for your connections."

A clean exit, in order

1. Remove any shared chat links that show account figures.
2. Delete the artifacts that hold figures. Deleting a chat does not delete them.
3. Delete the chats you do not want to keep.
4. Unlink each bank in Claude. Do this before your plan ends.
5. Check my.plaid.com to confirm that the connection is gone.

Does Claude train on your Personal Finance chats?

The answer depends on where you chat. The help article gives two rules:

• "When you chat with Claude in the Personal Finance hub, those conversations aren't used to train our models."
• "For anything you share with Claude outside the hub, your privacy settings apply."

The hub is the Personal Finance area of Claude. The first rule is limited to that area. If you paste a bank statement into an ordinary chat, the second rule decides, so the result depends on your settings. The article does not add a separate training rule for ordinary chats that read linked accounts. For how training works more widely, see whether Claude trains on your code.

Does Personal Finance count against your usage limits?

Anthropic's pages do not say. The Personal Finance help article, the announcement, the usage limits article and the monthly recap article were all read for this post, and a help center search was run. None of them says whether Personal Finance use counts against plan limits.

The usage limits article has general lines about Claude surfaces and connectors, but it does not name Personal Finance or Plaid. The recap article's line about not counting toward limits covers viewing your recap only. Neither line answers the question, so this post gives no answer. For the plan itself, read Claude Pro price and limits.

What Personal Finance protects against, and what it does not

This section does not call the feature safe or unsafe. It only sorts what the pages say.

It protects against these things:

• Claude holding your bank password, because you sign in through Plaid.
• Claude moving money, because access is read-only.
• Hub conversations being used for training.

It does not protect against these things:

• A full account number that your bank wrote into a name or description.
• Figures you publish or share, because artifacts and shared links show them to everyone who opens them.
• Figures left behind after you unlink, until you remove them yourself.
• Wrong answers. Claude can make mistakes, and balances can be a day or two old.

Can you use Personal Finance outside the US?

No. Outside the US, or on a VPN (virtual private network) that connects from another country, Personal Finance does not appear until you are back. Your banks stay linked in the meantime. So a US user who travels loses the feature during the trip but keeps the links.

If you live elsewhere, two limits apply: the feature is US only, and you can link US banks only. Neither the help article nor the announcement gives a date or a plan for other countries. For where Claude itself works, see where Claude is available by country.

How does it compare with ChatGPT Finances?

OpenAI's Finances in ChatGPT article also uses Plaid, and the feature is no longer limited to Pro. As read on 6 November 2026, it says: "Finances is available in the U.S. to Free, Go, Plus, and Pro users on web, iOS, and Android." OpenAI's pricing page lists those plans at $0, $8, $20 and from $100 a month. Business is not listed in the help article.

The pages differ in four places:

• Data sources: ChatGPT also connects credit report data through Experian. It says an institution may share only some data, and it gives no number of months. Claude's article says up to 24 months.
• Training: ChatGPT Finances chats "follow the same model training settings you choose across ChatGPT." Claude's hub chats are not used for training.
• Memory: ChatGPT can save context to your financial memories, which you can view or delete on the Finances page. Claude chats that used linked accounts are designed not to save to memory.
• Leaving: OpenAI says that after you disconnect, Plaid data is deleted from Plaid within 30 days, and synced data is deleted from OpenAI's systems within 30 days.

OpenAI's article says "ChatGPT cannot take financial actions for you." It does not use the term read-only, and it does not mention usage limits.

FAQ

Can Claude see my bank password?

No. You sign in to your bank through Plaid, a service that connects apps to banks, and Anthropic says Claude does not ask for or see your bank password. Access is read-only, so Personal Finance cannot move, manage or invest your money. As of 6 November 2026 the feature is a beta for Pro, Max and Ultra plans in the US.

Does Claude Personal Finance show my credit card transactions?

Anthropic's help article does not say. It says Claude reads balances and credit limits for cards, and it lists up to 24 months of transactions for linked accounts in general. The announcement describes spending totals across connected accounts. To find out for your own card, link it, ask Claude for last month's transactions on that card, and compare them with your statement.

If I unlink my bank, does Claude forget my data?

Claude stops reading accounts at that bank, but past chat content, artifacts and shared links keep the information until you remove them. An artifact also stays after you delete its chat. Unlinking removes every account under that bank login, and unlinking your last bank deletes your widgets, budgets and setup answers. That reset can't be undone.

Are my Personal Finance chats used to train Claude?

Conversations in the Personal Finance hub are not used to train Anthropic's models. For anything you share with Claude outside the hub, your privacy settings apply. So the same question can follow a different rule depending on where you ask it. Check your privacy settings if you discuss money in ordinary chats.

Does Personal Finance use up my Claude plan limit?

Anthropic's pages do not say, as of 6 November 2026. The Personal Finance help article, the announcement, the usage limits article and the monthly recap article do not state whether Personal Finance use counts against plan limits. Watch those pages for a change, and do not treat either answer as settled.