Google is rolling out a Google Wallet connection to all Gemini app users in the US. Gemini can analyse spending, find subscriptions and suggest budgets, with read-only access. Google says it may train AI on summaries of that data if users keep activity on.

Google is letting every Gemini app user in the US connect Google Wallet, so the chatbot can answer questions about their spending, the company announced on Thursday. Users can also link bank and credit card accounts through Plaid for more detailed answers.

After tagging @Google Wallet in a chat, users can ask Gemini to chart last quarter’s spending or help them save $1,000. It can also find subscriptions that went up in price, or use last year’s spending to suggest a holiday budget.

The connection is opt-in and read-only. Gemini can see account data but cannot move, manage or invest money, and users can switch it off at any time. That differs from Google’s Universal Cart, which already lets Gemini take payments.

Google says it does not train its AI directly on Wallet data. But its help pages say that if users keep their Gemini activity on, it may train on summaries of their transactions. Some of those chats may also be read by human reviewers.

Google also launched Memory Summary, a page showing what Gemini remembers about a user, such as their goals and preferences. Users can edit or delete those details. It is not available in Europe or the UK.

Google’s rivals got there first. OpenAI began letting some ChatGPT users link bank accounts in May, and Anthropic launched a similar read-only finance feature for Claude last week. Google recently changed its privacy policy so that connected Gmail and Photos data can shape ads.