Google has added Google Wallet to the list of services that its Gemini assistant can read, and the connection reaches past boarding passes and loyalty cards into transaction data. Once a user switches the integration on, Gemini can answer questions such as how much was spent on groceries last month, based on the card and bank activity that Google Wallet pulls in through the financial-data company Plaid. The feature was reported September 28, 2026, and it is rolling out gradually to accounts in the United States.
Google describes the connection as optional and revocable, and it draws a firm line around what the assistant may do with the access. The details of that line, and the privacy settings that sit around it, decide how much the feature exposes.
Passes, rewards and spending data
According to 9to5Google's report, the integration lets Gemini retrieve items from Wallet passes, including loyalty cards, event tickets and boarding passes, and answer requests like finding the boarding pass for a flight to Chicago or listing airline loyalty numbers. It can also summarize spending and show available rewards and offers.
Google's Gemini Apps Help page spells out the same capabilities. Gemini can “provide insights based on transaction data from financial accounts,” “summarize expense activity and get budgeting tips,” and “check and summarize available rewards and special offers.” The page says the data involved is transaction history, linked financial account data supplied through Plaid, rewards information and stored passes.
Where the transaction data comes from
The spending insights do not come from Google reading a bank directly. Google Wallet's help page on Plaid says the wallet "works with Plaid, a third-party service, to obtain transaction and balance info." While an account stays linked, the page lists what Google and Plaid store: the card or bank account number, the bank routing number where applicable, the account transaction history, the account balance, and basic identity details including name, address, phone number and email. The feature is limited to the United States.
The integration therefore has a prerequisite. A person who never linked an account to Wallet through Plaid has no transaction history for Gemini to summarize, and the spending questions would return nothing. The pass and rewards features work from what is already stored in Wallet, so the spending answers are the only part of the feature that depends on the separate account-linking step.
Plaid's own data-handling page says users can open the Plaid Portal to view the data types shared through Plaid and control ongoing access. Unlinking an account inside Google Wallet has a separate effect, and Google's help page says that when an account is disconnected, Google deletes the transaction history associated with it, although Plaid may retain data if the account is linked to other services.
What Gemini cannot do, and how the switch works
Google states plainly that the assistant is read-only. Gemini cannot "make transactions using payment methods" stored in Wallet, and it cannot "update or delete connected financial accounts." The 9to5Google report describes the same limits, so an assistant that can see a card's spending history still cannot spend from the card.
The integration is opt-in. When a user asks Gemini to perform a Wallet action without having connected the service, the assistant offers the option to connect it, and the connection appears in the Connected Apps list at gemini.google.com/apps, where it can be invoked as @Google Wallet. Google says a person can disconnect Google Wallet from Gemini Apps at any time in the Connected Apps settings, and the same list is where each connected service is managed individually. The feature is available only in English, only in the Gemini mobile and web apps, not in Gems or Gemini Live, and only to adults in the U.S. on personal Google accounts.
Training and human review rules for connected data
The most consequential questions concern what Google does with the answers. Google's Connected Apps page states that Gemini does not train generative AI models directly on Gmail, Drive, Contacts, Calendar or other Workspace content, or on Google Wallet and payments services. The same page adds that the system can use summaries, excerpts and inferences from that data for training when the Keep Activity setting is on, and that a subset of connected data goes through human review with privacy protections applied first.
The page also warns that disconnecting an app does not retroactively delete Gemini activity already used for improvement. Google's Gemini Apps Privacy Hub says reviewed chats can be retained for up to three years and that turning off Keep Activity stops future chats from being used to train its models. Whether a financial question and its answer fall under that review is the practical unknown, and Google has not, in the pages read for this report, singled out Wallet queries for separate treatment.
This article was produced with the assistance of AI and reviewed by Morning Overview editors prior to publication.
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