Google Opens Gemini to US Users' Wallet and Bank Data for Read-Only Spending Analysis

The update, announced on Thursday, extends the reach of Google's assistant into personal finance, a category where OpenAI and Anthropic have both added account connections this year. It sits within Personal Intelligence, the Gemini feature that already connects to Gmail, Photos, YouTube and Search. The Next Web reported that the Wallet connection is open to every Gemini app user in the US.

Users call it up by tagging @Google Wallet in a conversation. Gemini can then go through past expenses, draw interactive charts of budgets and cash flow, pick out recurring subscription charges and flag ones whose price has gone up, and suggest a budget based on earlier spending on shopping and travel. The examples Google has offered include charting last quarter's spending and setting a holiday budget from the previous year's gift and travel costs.

On its own, Wallet holds cards, passes and tickets. For a fuller picture, users can link credit cards and bank accounts to Wallet through Plaid, the financial data network, and Gemini will draw on those transactions. An earlier, gradual rollout reported by TalkAndroid in late September let some US users aged 18 and over pull boarding passes, event tickets and loyalty cards from Wallet into Gemini.

Google has drawn a firm line around what the assistant can do with the data. Gemini can only read account information through a connection the user switches on, and it can be turned off at any time. It cannot transfer, manage or invest money. That makes it a narrower product than OpenAI's ChatGPT Wallet, launched this week, which lets agents make purchases with tokenised cards, and narrower than Google's own Universal Cart, which lets Gemini make payments.

The privacy terms carry caveats. Google says it does not train its AI directly on Wallet data, but its help pages say that if users keep Gemini activity switched on, it may train on summaries of their transactions, and some chats may be read by human reviewers, The Next Web reported. Unlinking Wallet does not automatically delete transaction information Gemini has already saved; users have to remove it themselves, according to TalkAndroid.

Google has not said which banks and card issuers are covered through Plaid or how the analysis performs on messy real-world transaction data, and it has published no accuracy measures for its spending summaries or budget advice.

The launch follows OpenAI's decision in May to let some ChatGPT users link bank accounts, and a read-only finance feature Anthropic released for Claude last week. Alongside the Wallet connection, Google also introduced Memory Summary, a page where users can see, edit and delete what Gemini remembers about their goals and preferences; that page is not available in Europe or the UK.

For users in the UAE and other markets, the spending tools remain unavailable until Google sets out an international rollout, which it has not yet scheduled.