Gemini can now audit your Google Wallet spending to find hidden subscriptions

Credit: Andy Betts / Hannah Stryker / How-To Geek Published Nov 13, 2026, 4:57 PM EST Jefferson Mangubat is an experienced technology journalist who has reported on consumer electronics, software updates and big stories in the industry. He's now a Reporter at How-To Geek, and has built a solid reputation for delivering accurate, accessible, and insightful tech journalism. Prior to that, he was a tech reporter for Neowin, where he extensively covered hardware developments from Apple and Google, in addition to digital trends and application updates. Sign in to your How-To Geek account Gemini has evolved from a general-purpose chatbot to a more personal AI assistant by integrating with services like Gmail, Google Photos, YouTube, and Search to give it more context about users’ lives. Now, Google is adding personal finance to the picture. The company announced in a blog post that Gemini can now connect to Google Wallet, enabling users to review their spending habits, identify subscriptions they don't need, and get suggestions on how to manage their money. The feature is initially rolling out to users in the US on Android, iOS, and the web. The integration is part of Google's Personal Intelligence initiative, which already connects Gemini with first-party services such as Gmail, Google Photos, YouTube, and Search. Adding Google Wallet gives the assistant another source of personal information to draw from, but this time it is centered around where your money goes. To start, users can link Google Wallet via Gemini’s Connected Apps settings, and then they can mention @Google Wallet when they want to ask questions about their finances. Google also allows users to link bank accounts and credit cards to Wallet through a financial technology company called Plaid that helps connect financial institutions to third-party services. This additional link can give Gemini a deeper understanding of spending habits. Google provides several practical suggestions for using the service. For instance, you could ask Gemini to look at your spending over the last quarter and come up with a plan to save $1,000 over the next three months. It can generate charts for cash flow, asset allocation, and budgets rather than just dumping a wall of transactions on you. Credit: Google Gemini can also spot recurring subscriptions, flag services that have hiked up their prices, and help you work out how much you spent on gifts and travel in the previous year. This information can then be used to build up a more realistic holiday budget. Basically, you get an overview of your finances without having to look through each bank statement. Google puts limits on Gemini's access to your money Gemini can analyze transactions but can't move your money It’s understandable that allowing an AI assistant access to your financial information raises some privacy concerns. Google says the integration is read-only. Gemini can see linked account information, but it can’t move money, manage accounts, make purchases, or invest for you. Connecting Wallet is entirely optional, and users can revoke access at any time. Google is also rolling out an update to its Memory Summary feature that will enable users to review, edit, and delete what Gemini remembers about their preferences and ongoing goals. It still takes a giant leap of faith to give an AI the keys to your transaction history, particularly when chatbots are still prone to the occasional math error and hallucination. The integration is fully opt-in, so privacy-conscious users can keep it switched off. Source: Google