Google is rolling out a connection between Gemini and Google Wallet in the United States. It lets the chatbot look up things you've saved in Wallet, such as a boarding pass or available card offers. If you also link a bank or credit card account through Plaid, Gemini can use transactions from that account to answer questions about your spending. The two connections are optional and have separate controls.
Google announced the rollout Friday. Its Gemini Wallet help page says access is arriving gradually for U.S. adults 18 and older with a personal Google account. It works in English in the mobile app and on the web. Work and school accounts are excluded, and the connection is unavailable in Gemini Live and Gems.
What Wallet shares and what Plaid adds
Connecting Wallet lets Gemini draw on information stored there, including payment methods and passes. You can ask it to find a loyalty number or see whether a card has an offer. Connecting a financial account through Plaid is a separate step. That gives Wallet access to data from your institution, including account balances and transaction history, which can inform answers in Gemini. Plaid says eligible connections can include loans and investment accounts as well as bank accounts and credit cards.
A spending summary is only as complete as the records it uses. If your grocery purchases go on two cards and you link only one of those accounts, the other card's statement is outside that Plaid connection. Compare a monthly total with both statements before using it to revise your budget. You can also look up a specific charge by merchant, amount or date in the Transactions section of Wallet without bringing it into a Gemini chat.
Google says Gemini can read account information through the connection and cannot use it to move money, make a payment, invest or change which accounts are linked.
How Google can use a conversation
Gemini requires its Keep Activity setting to be on before you can connect Wallet. According to Google's Connected Apps policy, the company does not train models directly on Google Wallet. It can use summaries, excerpts and inferences drawn from relevant transactions when you chat with Gemini. Those materials, your prompts and Gemini's replies can also be used to train models. Google's Gemini privacy notice says some data may be reviewed by people.
Google says both it and Plaid store transaction histories, balances and some identifying information, including account numbers, while a financial account is linked. Those are records held by Wallet and Plaid. The list does not establish that Gemini displays every field in a chat.
Where to disconnect or delete data
- Stop Gemini from using Wallet. Open Connected Apps in Gemini's Personal Intelligence settings and disconnect Google Wallet. The financial accounts you linked in Wallet are managed separately.
- Remove a linked bank or card. On the Google Wallet website, open Settings, choose Accounts linked with Plaid, select the account and unlink it. Google says it deletes the transaction history associated with the removed account. Plaid may still retain information for accounts linked through other services. Those connections can be managed through the Plaid Portal.
- Remove past Gemini chats separately. Disconnecting Wallet or unlinking a bank doesn't erase past conversations from Gemini Apps Activity. You can delete those chats there. Google's privacy notice says it can keep chats already reviewed by people for up to three years, separate from your Google account.
If you use Wallet mainly for passes and offers, you can leave your financial accounts unlinked. If you want to leave Keep Activity off, use Wallet directly for those passes and offers. Gemini won't connect to Wallet with that setting off.
