Claude Personal Finance and Plaid: what bank data ends up in your chats, and how to clean it up

Updated November 7, 2026 · 5-minute read

Claude Personal Finance reads your bank balances and up to 24 months of transactions through Plaid, and whatever Claude says about them stays in your chat history until you delete those chats, even after you unlink the bank.

Disclosure: ConvoShelf is our product. Every claim about Claude below comes from Anthropic's launch post and the Claude Help Center pages listed under Sources, which we read on November 7, 2026. We haven't used Personal Finance ourselves; it's a US beta on paid plans.

What Personal Finance is

Anthropic announced Personal Finance in November 2026 and is rolling it out gradually, in beta, on the Pro, Max and Ultra plans in the US. It works on the web, Claude Desktop, and the iOS and Android apps, but not on Free, Team or Enterprise plans. If it's on for your account, Personal Finance shows in the side menu; if you don't see it, hover over More.

Access is read-only. Anthropic says Personal Finance "can't move, manage, or invest your money." You connect a bank by signing in to it through Plaid, so Claude doesn't ask for or see your bank password. You can link up to 16 banks, US banks only.

What Claude can read from your bank

For the accounts you choose to share, the Help Center lists:

Bank names
Account names, types 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

Plaid passes only the last few digits of each account number, but if your bank writes a full number into an account name or a transaction description, Claude may see it there. For investments, loans and cards, Claude reads balances and credit limits, not holdings, trades, rates or terms.

Where your bank figures end up in Claude

You can ask questions on the Personal Finance page or in a regular chat. Where you ask changes how the chat is handled:

Hub chats aren't used for training. "When you chat with Claude in the Personal Finance hub, those conversations aren't used to train our models." Outside the hub, your normal privacy settings apply.
The figures stay in your history. The Help Center says the data "appears in your conversation and stays in your chat history until you delete the chat, subject to our data retention practices."
Memory and search skip those chats. Once Claude has used your accounts in a chat, it's designed not to save anything from that chat to memory or search that chat later, and it leaves the chat out of your monthly recap, title included.
Artifacts and shared links carry figures. Claude asks before it publishes an artifact from such a chat. An artifact stays until you delete it, even if you delete the chat, and a shared chat link shows Claude's replies with any figures from your accounts.

To keep a regular chat away from your bank data, turn the Plaid connector off. On the web and Claude Desktop, click + in the message box, then Connectors, and switch Plaid off. On iOS and Android, tap +, then Connectors, then Plaid, and choose Blocked.

Unlinking a bank doesn't clean up your chats

Open Personal Finance.
On the web and Claude Desktop, click the three-dot menu ("...") at the top of the page, then Manage linked accounts. On iOS and Android, tap the gear icon.
Select Unlink on the bank (on mobile, tap the bank first), then Unlink again to confirm.

Claude then stops reading every account you linked with that bank login; you can't unlink a single account. "What Claude already said stays in your chats, and in any artifacts or shared links until you remove them." If it was your last linked bank, your dashboard, its widgets, budgets and setup answers are deleted, and that can't be undone. You can also disconnect Claude at my.plaid.com, Plaid's own site for your connections.

If you cancel your plan, your banks stay linked until you unlink them, so unlink first if you don't plan to come back.

Export first, then delete the money chats

If you want a copy before deleting, request a Claude data export: go to Settings > Privacy and click Export data on the web or in Claude Desktop (not the mobile apps). The export includes your chats, so money chats you haven't deleted are in it. Anthropic says exports "don't yet include your saved Personal Finance dashboard." The download link expires 24 hours after it's created and may work only once.

To delete a chat on the web, find it in the sidebar or under Chats and tasks, hover over it, click the ⋮ button and choose Delete. For several at once, click Select from the same menu, tick the chats and delete them. Anthropic says a deleted chat leaves your history immediately and is deleted from its back-end systems within 30 days. Delete any artifacts and shared links separately, since they outlive the chat.

For a wider backup routine, see how to back up your Claude chats.

What ConvoShelf keeps from a money chat

ConvoShelf is a Chrome extension that runs on claude.ai (and ChatGPT, Gemini and Grok) in desktop Chrome. We checked the code of version 1.0.4, the version the Chrome Web Store lists, on November 7, 2026. Here is what that means for chats that contain bank figures:

It saves the text of chats you open. When you open a Claude chat at a claude.ai/chat/ address, ConvoShelf stores up to the newest 60,000 characters of it in your browser's local storage, so it can be searched and filed. There's no ConvoShelf account or server.
Deleting the chat in Claude doesn't delete ConvoShelf's copy. Nothing in 1.0.4 reacts to a chat being deleted on claude.ai (it only drops the oldest unfiled chats once it holds more than 3,000), and 1.0.4 has no button to forget a single chat. Delete all ConvoShelf data on the options page removes every folder, tag, prompt and saved chat text, and keeps a Pro license.
Search helps you find the chats to delete. Full-text search is free, so a merchant name or the word "balance" finds the Claude chats you've opened in Chrome whose saved text mentions it, alongside your ChatGPT, Gemini and Grok chats.
It only sees what you open in Chrome. Chats from Claude Desktop or the mobile apps aren't in ConvoShelf, and we couldn't check whether Personal Finance hub conversations open at a claude.ai/chat/ address.

More on search across assistants: how to search all your ChatGPT and Claude chats in one place. For what other Claude products carry over from your account, see Claude Duet and your Claude memory.

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FAQ

Is Claude Personal Finance available to everyone?

No. Anthropic's Help Center says it's a beta on the Pro, Max and Ultra plans in the US only, rolling out gradually. It isn't on Free, Team or Enterprise plans, and you can link US banks only.

Can Claude move money or see my bank password?

No. Personal Finance is read-only and can't move, manage or invest money. You sign in to your bank through Plaid, so Claude doesn't ask for or see your bank password.

Are my Personal Finance chats used to train Claude?

Chats in the Personal Finance hub aren't used to train Anthropic's models. If you ask about your money in a regular chat outside the hub, your normal privacy settings apply.

Does unlinking my bank delete what Claude already said?

No. After you unlink, Claude stops reading that bank, but what it already said stays in your chats, and in any artifacts or shared links, until you remove them. Delete those chats yourself.

Does a Claude data export include Personal Finance?

Your chats are in the export, including money chats you haven't deleted. Anthropic says exports don't yet include your saved Personal Finance dashboard. Export from Settings, Privacy on the web or Claude Desktop.