Anthropic Claude Personal Finance beta bank account access, Digi Mart USA News: Anthropic is giving its Claude chatbot access to private bank accounts. The beta feature, called “Personal Finance,” sorts transactions into categories and displays upcoming payments.
When withdrawals fall outside a user’s usual pattern, it issues a warning.
For now, the feature is available only to customers in the United States who subscribe to the paid Pro, Max or Ultra plans. In an example cited in Anthropic’s announcement, Claude totals monthly spending of about $4,310 and attributes just over $1,000 of it to food and drink.
Users can then ask follow-up questions in the same chat, such as about prior months or the amount remaining before the next paycheck. Overviews of bills and subscriptions are also planned.
According to Anthropic, the feature is available on the web, in the desktop app and in the mobile apps. Free, Team and Enterprise accounts do not receive it.
The bank connection is established by the fintech service Plaid. Users log in to their bank there and choose which accounts Claude may see.
The manufacturer says the AI never sees the bank password. Access is limited to reading; transfers, account management and securities transactions are excluded.
Claude can, however, read a considerable amount of data. According to the Personal Finance help page, this includes bank and account names, account type, the last digits of the account number, balances and credit limits.
It also covers transactions from up to 24 months, including amount, date, merchant and transaction description.
For brokerage accounts and loans, Claude currently sees only balances and limits. Individual holdings, trades and terms remain hidden from it.
Anthropic says it will not use chats in the Personal Finance area to train its models. If users share financial data outside that area, their general privacy settings apply.
The data remains in the conversation history until users delete the chat, and even then the company’s retention periods still apply.
Claude’s hosting providers also process the bank data, and Plaid’s own privacy rules apply to that service.
Disconnecting a bank account does not automatically remove all traces. Answers Claude has already given remain, as do figures in shared links or artifacts, until users delete them.
There are also accuracy limits: balances may be one to two days old, and accounts entered twice can distort totals. Anthropic therefore advises users to verify important amounts with their bank.
TechCrunch places the feature in the context of similar financial tools that OpenAI introduced in ChatGPT in May. Anthropic is also examining how Claude could work with licensed advisers and regulated financial institutions on major money decisions.
Until further notice, the beta works only with U.S. banks.
