Google expands Gemini’s Google Wallet connection for spending and subscriptions

Google announced on November 13 that it was expanding the Gemini connection to Google Wallet across eligible US users. Once a user opts in, Gemini can read spending records to chart expenses or identify recurring charges and subscription price increases. The rollout covers the web and the Gemini apps for Android and iOS in the United States. Google describes the connection as read-only. It gives Gemini access to information, while purchases, transfers and investments stay outside the integration.

The feature is for people in the US who are at least 18 and use a personal Google Account. The Gemini setting called Keep Activity must be on. Google’s help page lists English as the only supported language at launch and excludes work and school accounts and features such as Gemini Live. The connection had appeared for some users in late September, according to contemporaneous reporting by 9to5Google. The broader rollout is gradual, so eligible users may see the setting at different times.

Wallet and bank accounts connect separately

Gemini draws on information already saved in Google Wallet. The Wallet website, for example, already displays certain contactless payments made on Android and some purchases made online with virtual cards. Once Wallet is connected, a user can direct a question to it by mentioning @Google Wallet in the chat. Google’s help page also lists rewards and offers tied to saved cards and passes among the things Gemini can summarize. The same help page lists retrieving a saved boarding pass or airline loyalty number as other examples.

The Wallet connection and sharing bank records are separate choices. Google offers an optional link through Plaid, a financial data service that retrieves transactions and balances from participating institutions. A user can add information from bank or credit card accounts to Wallet that way. Google’s Wallet documentation says a connection can be unavailable if the bank uses a verification method Plaid does not support. Google and Plaid store transaction history and balances while the account remains linked.

Spending charts and recurring charges

Google says Gemini can turn spending from a requested period into charts showing cash flow and budgets in the conversation. Its examples include finding recurring charges across linked accounts and identifying subscriptions that have increased in price. It also describes comparing last year’s holiday expenses, such as gifts and travel, to help put together a budget for this year. The Wallet website already lets users search for a merchant or an amount. The Gemini connection lets them describe the period and categories in a conversational question.

The scope of a spending summary depends on the records available. Google’s Wallet documentation says some transaction details are absent from the Wallet website. It lists a separate payments center for purchases and subscriptions from Google Play, YouTube and Google One. A monthly total can change depending on which cards and accounts supply transactions.

Turning off access and removing chat history

Google’s Connected Apps policy says the company does not train generative AI models directly on the underlying Wallet and payments services. It says that with Keep Activity on, summaries, excerpts and inferences from transactions relevant to a conversation can be used to improve its models. The policy also describes limited human review of processed information, including some Wallet-related interactions and summaries. Google says it generally separates interactions from the account and reduces identifying information before review, with exceptions for investigating abuse or harm.

Gemini’s connected-app settings control whether it can use Google Wallet. Wallet’s settings separately control which financial accounts it receives through Plaid. Google says it deletes the associated transaction history when a user unlinks that financial account from Wallet. Gemini activity is managed separately, so disconnecting Wallet or removing data there does not erase earlier Gemini conversations. Users can delete those conversations through Gemini Apps Activity.