Which banks block third-party AI agents, and which work with them?

Which banks block or restrict third-party AI agents?

As of November 10, 2026: 11 banks and fintechs block third-party AI agents (JPMorgan Chase, Citigroup, PNC, Morgan Stanley, Fifth Third, Happen Bank, BMO Financial Group, Royal Bank of Canada, TD Bank Group, CIBC and UBS); 4 banks restrict them (Bank of America, Wells Fargo, Charles Schwab and Scotiabank); 3 banks have them under review (Wealthsimple, Commonwealth Bank of Australia and Caixa Econômica Federal). Each row in the table quotes the statement or report it rests on.

Which banks work with third-party AI agents?

As of November 10, 2026: 11 banks and fintechs have partnered with third-party AI agents (American Express, Block, Coinbase, Mercury, PayPal, Public, Ramp, Robinhood, HSBC, Danske Bank and eToro). In this tracker "partnered" means: An official integration: the bank is a named issuer or partner in the agent's or programme's launch, or offers a sanctioned connection for it.

Does JPMorgan Chase allow third-party AI agents?

JPMorgan Chase blocks third-party AI agents, on the record since October 13, 2026. CNBC (October 13, 2026): “Protecting our customers is our top priority. Because it is not safe, we do not permit third parties to access accounts by obtaining customers' banking credentials and logging in on their behalf”. Scope named: log-in with the customer's credentials, transactions, payments.

Does Citigroup allow third-party AI agents?

Citigroup blocks third-party AI agents, on the record since October 16, 2026. Retail Banker International via Yahoo Finance (October 19, 2026): “In a statement to Retail Banker International, Citi said: "To help safeguard customer accounts and information, we do not permit third-party AI agents or assistants to log into a customer's account or transact directly within our digital banking platforms."” Scope named: log-in with the customer's credentials, transactions.

Does PNC allow third-party AI agents?

PNC blocks third-party AI agents, on the record since October 19, 2026. Banking Dive via Yahoo Finance (October 21, 2026): “"No [bank] is going to let people transact inside of accounts without a human in the loop. It's just not going to happen - and if somebody does, they'll be defrauded," he said during an appearance at the Money20/20 conference in Las Vegas.” Scope named: transactions.

Does Morgan Stanley allow third-party AI agents?

Morgan Stanley blocks third-party AI agents, on the record since October 22, 2026. Axios (October 22, 2026): “Morgan Stanley has begun blocking third-party agents from accessing its platforms, sources familiar with the decision said.” Scope named: log-in with the customer's credentials, transactions.

Does Fifth Third allow third-party AI agents?

Fifth Third blocks third-party AI agents, on the record since October 19, 2026. Banking Dive (October 19, 2026): “Fifth Third doesn't currently allow AI agents to initiate transactions in customer accounts, and accountability questions need to be settled before agents carry out transactions on behalf of customers, Preston said.” Scope named: transactions.

Does Happen Bank allow third-party AI agents?

Happen Bank blocks third-party AI agents, on the record since November 2, 2026. American Banker (November 2, 2026): “Where possible, we are blocking today until things like identity, authority, permission and liability are worked out.” Scope named: transactions.

Does BMO Financial Group allow third-party AI agents?

BMO Financial Group blocks third-party AI agents, on the record since October 27, 2026. Global News (October 28, 2026): ““To protect our clients, BMO does not permit AI agents to access our digital properties or execute transactions,” a BMO spokesperson said in a statement.” Scope named: log-in with the customer's credentials, browser automation, transactions.

Does Royal Bank of Canada allow third-party AI agents?

Royal Bank of Canada blocks third-party AI agents, on the record since October 27, 2026. The Globe and Mail (October 27, 2026): “Royal Bank of Canada is blocking third-party personal artificial intelligence agents from directly accessing the bank’s digital properties, including online banking, joining a growing number of banks restricting agents’ access to customer data.” Scope named: log-in with the customer's credentials, browser automation, transactions.

Does TD Bank Group allow third-party AI agents?

TD Bank Group blocks third-party AI agents, on the record since October 28, 2026. Global News (October 28, 2026): ““TD has made the decision to block all third-party personal AI agents from direct access to banking information, where authentication is required, while we ensure the appropriate safeguards, authorization mechanisms and oversight are in place,” a spokesperson for TD said Wednesday in a statement.” Scope named: log-in with the customer's credentials, browser automation, account data.

Does CIBC allow third-party AI agents?

CIBC blocks third-party AI agents, on the record since October 28, 2026. Global News (October 28, 2026): ““We do not support personal AI agents directly opening or accessing accounts. Clients should not share their banking credentials with an AI agent and should carefully consider what personal or financial information they provide to any AI service.”” Scope named: log-in with the customer's credentials, account data.

Does UBS allow third-party AI agents?

UBS blocks third-party AI agents, on the record since October 27, 2026. Reuters via CNA (October 27, 2026): “ZURICH, Oct 27 : Swiss bank UBS will not allow the use of external AI models to execute actions on behalf of clients, CEO Sergio Ermotti said on Tuesday.” Scope named: log-in with the customer's credentials, transactions.

Does Bank of America allow third-party AI agents?

Bank of America restricts third-party AI agents, on the record since October 14, 2026. Retail Banker International via Yahoo Finance (October 19, 2026): “"We strongly believe there should be a human in the loop to authorise money moving out of your account," Moynihan told CNBC.” Scope named: log-in with the customer's credentials, transactions.

Does Wells Fargo allow third-party AI agents?

Wells Fargo restricts third-party AI agents, on the record since September 23, 2026. The quote from Wells Fargo (September 23, 2026) is in the table on this page. Scope named: log-in with the customer's credentials, transactions.

Does Charles Schwab allow third-party AI agents?

Charles Schwab restricts third-party AI agents, on the record since October 15, 2026. American Banker (October 15, 2026): “And there's one way we think is not safe, and that's just an agent coming to our site and trying to log in on behalf of a client. We are not going to allow that.” Scope named: log-in with the customer's credentials, browser automation, transactions.

Does Scotiabank allow third-party AI agents?

Scotiabank restricts third-party AI agents, on the record since October 28, 2026. Global News (October 28, 2026): ““To protect our clients and their financial information, Scotiabank will limit third-party AI agents from accessing its banking platforms as we closely monitor evolving concerns,” a spokesperson for Scotiabank said in a statement.” Scope named: log-in with the customer's credentials, account data.

Does Wealthsimple allow third-party AI agents?

Wealthsimple has third-party AI agents under review, on the record since October 28, 2026. The Globe and Mail (October 28, 2026): ““We’re taking a different approach and figuring out how clients can securely use agents for their finances,” Wealthsimple spokesperson Sheryl So wrote in an e-mail.”

Does Commonwealth Bank of Australia allow third-party AI agents?

Commonwealth Bank of Australia has third-party AI agents under review, on the record since December 1, 2025. Commonwealth Bank of Australia (December 1, 2025): “While we may not be responsible for these external agents or systems, where we identify material risk, we may seek to implement limitations or controls to help protect our customers, channels and platforms.”

Does Caixa Econômica Federal allow third-party AI agents?

Caixa Econômica Federal has third-party AI agents under review, on the record since August 25, 2026. Valor International (August 27, 2026): “Darlan Lins, executive director of IT solutions at Caixa, said the bank is currently deciding how to allow AI agents to execute transactions for its 160 million customers.”

Does American Express work with third-party AI agents?

American Express has partnered with third-party AI agents, on the record since April 14, 2026. American Express (Business Wire) (April 14, 2026): “Today, American Express is introducing an agentic commerce developer kit and announcing Amex Agent Purchase ProtectionTM, an industry-first commitment to extend its backing to Card Member purchases made by registered AI agents across its network.” Scope named: card details, payments.

Does Block work with third-party AI agents?

Block has partnered with third-party AI agents, on the record since April 25, 2025. Square Developer (Block) (April 25, 2025): “You can configure your AI agent to use the Square MCP server hosted by Block as a remote server or you can set up and run the server locally for your AI agent's use.” Scope named: account data.

Does Coinbase work with third-party AI agents?

Coinbase has partnered with third-party AI agents, on the record since June 11, 2026. Coinbase Developer Platform (October 9, 2026): “Coinbase for Agents connects your AI apps to your Coinbase account for crypto, equities, and derivatives trading, portfolio management, and x402 payments.” Scope named: transactions, payments, account data.

Does Mercury work with third-party AI agents?

Mercury has partnered with third-party AI agents, on the record since October 8, 2026. Mercury (October 8, 2026): “Mercury MCP connects your AI tools to Mercury's public API through OAuth. Supported write actions require explicit permissions; payment and transfer requests require approval in Mercury.” Scope named: account data, payments.

Does PayPal work with third-party AI agents?

PayPal has partnered with third-party AI agents, on the record since June 12, 2025. PayPal Developer (June 12, 2025): “Leveraging this technology, PayPal developed an MCP server that enables merchants to interact with their preferred MCP clients using natural language.” Scope named: account data, payments.

Does Public work with third-party AI agents?

Public has partnered with third-party AI agents, on the record since September 29, 2026. Fortune (September 29, 2026): “While Robinhood is for now the only brokerage to offer nontechnical agents at scale, other fintech and crypto firms-including eToro, Public, and Coinbase-currently let their users connect their agents via MCP tools.” Scope named: transactions, account data.

Does Ramp work with third-party AI agents?

Ramp has partnered with third-party AI agents, on the record since March 25, 2025. Ramp Engineering (March 25, 2025): “We built a `Ramp MCP` server that lets you interact with your business data using natural language-by turning our developer API into a SQL interface that an LLM can query.” Scope named: account data.

Does Robinhood work with third-party AI agents?

Robinhood has partnered with third-party AI agents, on the record since May 27, 2026. Axios (May 27, 2026): “Users can bring AI agents from any platform and plug them into Robinhood via its Model Context Protocol (MCP) servers.” Scope named: transactions, payments, card details.

Does HSBC work with third-party AI agents?

HSBC has partnered with third-party AI agents, on the record since October 20, 2026. American Banker (October 20, 2026): “AI access is supported through HSBC's Model Context Protocol, which enables clients' own AI tools to query authorized account and transaction information, helping human workers find and interpret banking data.” Scope named: account data.

Does Danske Bank work with third-party AI agents?

Danske Bank has partnered with third-party AI agents, on the record since September 16, 2026. Banking 4.0 (September 16, 2026): “Now, the bank announces the pilot launch of its Model Context Protocol (MCP) Server, giving corporate customers the control to connect their AI agents directly to the bank's Premium APIs, so they can access and act on their own financial data within whatever agentic AI tool they already use.” Scope named: account data.

Does eToro work with third-party AI agents?

eToro has partnered with third-party AI agents, on the record since September 29, 2026. Fortune (September 29, 2026): “While Robinhood is for now the only brokerage to offer nontechnical agents at scale, other fintech and crypto firms-including eToro, Public, and Coinbase-currently let their users connect their agents via MCP tools.” Scope named: transactions, account data.

How current is this list, and where does it come from?

The 29 rows were last compared with their sources on November 10, 2026; each row shows its own check date. They come from public statements only: bank newsrooms, terms and FAQs, executives on the record, vendor launch releases and reputable reporting. A weekly sweep searches the news for every agent and bank pair and proposes new rows for review; it last ran on November 8, 2026.