Google Starts U.S. Rollout of Read-Only Google Wallet Connection in Gemini

Google announced a U.S. rollout of a Google Wallet connection in Gemini on Friday, Nov. 13, giving eligible users a way to ask about spending and transactions. Users can also link bank and credit-card accounts to Wallet through Plaid so Gemini can analyze information from those accounts. The feature is rolling out gradually on the web and in Gemini’s Android and iOS apps.

Users can ask Gemini to summarize expenses, offer budgeting tips or analyze transactions. To use the connection, people must be at least 18, be in the United States, use a personal Google Account and have Keep Activity turned on. The connection is English-only and unavailable in Gems and Gemini Live.

The connection is read-only. Gemini cannot make transactions using Wallet payment methods or update or delete linked financial accounts. Users can disconnect Wallet through Gemini settings or unlink accounts in Wallet.

Read-only access still involves collecting and storing financial information. Plaid collects and uses financial-institution login information to retrieve account details. While accounts are linked, Google and Plaid store account numbers, routing numbers where applicable, transaction history, balances and basic identity information. Removing an account from Wallet deletes its associated transaction history.

Google does not train generative AI models directly on Google Wallet and payments data. However, when Keep Activity is on, transaction summaries, excerpts and inferences may be used to train models. A subset of Wallet-related interactions and summaries may also be reviewed by people.

Wallet extends Gemini’s Personal Intelligence connections, which include Gmail, Photos, YouTube and Search. The separation between viewing financial records and taking action resembles the read-only approach U.S. banks have approved or considered for outside AI agents.