# Which banks block Meta Muse, and which work with it?

Source: https://www.bankingnewsai.com/agentic-banking/agent-access/meta-muse
Last updated: Nov 10, 2026
Checked: 2026-11-10 · updated weekly · last sweep 2026-11-08

As of November 10, 2026, 3 banks block Meta Muse, 1 bank has it under review and 1 fintech has partnered with it. Blocked by JPMorgan Chase, Charles Schwab and Royal Bank of Canada; under review at National Bank of Canada; partnered with PayPal.

Each of the 5 relations below carries a verbatim quote, the date of the earliest public evidence and its source: 12 distinct sources, all of them press reports of a statement or a decision.

Separately, 15 banks and fintechs block or restrict third-party AI agents in statements that cover outside agents in general; those rows are on the third-party AI agents page.

The agent: Runs on a per-user cloud computer (Muse Secure VM) with its own Chromium browser and a credential store, so it can sign in to websites and act with the user's stored logins while the model never sees the password. (launch source: [Meta Newsroom](https://about.fb.com/news/2026/09/introducing-muse-personal-ai-agent/))

## Bank by bank

Checked 2026-11-10 · 5 relations · 12 sources (0 bank or vendor statements)

| Bank | Relation | Since | Quote | Detail | Source | Last checked |
|---|---|---|---|---|---|---|
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Blocked | 2026-10-13 | "JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts" | CNBC named Meta's Muse as an example of the outside agents JPMorgan blocks from logging in with customer credentials; the bank's own statement covers third-party agents generally (see any-third-party-agent row). Read-only via Plaid-style connectors still possible; no money movement. · scope: log-in with the customer's credentials, transactions | [CNBC, Oct 13, 2026](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html) | 2026-10-31 |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Blocked | 2026-10-16 | "We don't want someone just giving their password to Muse, and letting Muse come in and take action on that client's behalf. We can't control it, the client can't control it, something could go wrong and who's liable?" | CEO Rick Wurster told Bloomberg TV Schwab is actively blocking unauthorized AI agents attempting to move clients' money, naming Meta's Muse; blocks occur 'in the tens and 20s' each week. · scope: log-in with the customer's credentials, transactions | [Bloomberg Law, Oct 16, 2026](https://news.bloomberglaw.com/banking-law/us-banks-block-ai-agents-attempting-to-move-money-for-customers) | 2026-10-31 |
| [Royal Bank of Canada](https://www.bankingnewsai.com/banks/rbc) | Blocked | 2026-10-27 | "Royal Bank of Canada is blocking third-party artificial intelligence agents such as Meta Platform Inc.’s Muse from accessing its banking systems, citing “unacceptable customer risk.”" | Muse is the named example in RBC's block of third-party personal AI agents (memo of 27 Oct 2026). Earlier, on 20 Oct 2026, CEO Dave McKay told Bloomberg TV RBC was considering blocking Muse ('It’s something I’m thinking about, absolutely') — the under-review phase preceding the block. · scope: log-in with the customer's credentials, browser automation, transactions | [Bloomberg, Oct 27, 2026](https://www.bloomberg.com/news/articles/2026-10-27/rbc-to-block-ai-agents-calling-out-unacceptable-client-risk) | 2026-10-31 |
| National Bank of Canada (not profiled) | Under review | 2026-10-28 | "it is closely monitoring the developments, including the use of Meta’s Muse, and assessing the opportunities and risks the technology may pose to clients." | National Bank has not blocked: in a statement on 28 Oct 2026 it said it is monitoring consumer AI agents, including Meta's Muse, and assessing the opportunities and risks for clients. | [The Globe and Mail, Oct 28, 2026](https://theglobeandmail.com/business/article-bmo-blocks-third-party-ai-agents-rbc-muse-october-28) | 2026-11-10 |
| [PayPal](https://www.bankingnewsai.com/fintech/paypal) | Partnered | 2026-09-22 | "PayPal has partnered with Meta to enable users of the technology group's new Muse personal AI agent to shop and check out across PayPal's merchant network, adding another major payments provider to the emerging agentic commerce ecosystem." | PayPal added as a checkout option in Meta's Muse agent across PayPal merchants worldwide (third rail after Link by Stripe and Shop Pay). · scope: payments | [Payments Industry Intelligence, Sep 24, 2026](https://paymentsindustryintelligence.com/paypal-joins-metas-muse-to-transform-shopping/) | 2026-10-31 |

## What these relations mean for a customer

- **Blocked (3).** The bank says it does not let the agent log in, act or transact in customer accounts, or is reported to block it. Scope named in these rows: log-in with the customer's credentials (3), transactions (3), browser automation (1).
- **Under review (1).** The bank says it is considering blocking or limiting the agent; no decision is on the record.
- **Partnered (1).** 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. Scope named in these rows: payments (1).

A bank that is not in the table has made no public statement about Meta Muse that this tracker could find. That is not the same as allowing it, and it is not the same as blocking it.

The page records statements and reports, each quoted with its source. It does not test what works at a bank, and it is not advice.

## FAQ

### Which banks block or restrict Meta Muse?

As of November 10, 2026: 3 banks block Meta Muse (JPMorgan Chase, Charles Schwab and Royal Bank of Canada); 1 bank has it under review (National Bank of Canada). Each row in the table quotes the statement or report it rests on.

### Which banks work with Meta Muse?

As of November 10, 2026: 1 fintech has partnered with Meta Muse (PayPal). 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 Meta Muse?

JPMorgan Chase blocks Meta Muse, on the record since October 13, 2026. CNBC (October 13, 2026): “JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts”. Scope named: log-in with the customer's credentials, transactions.

### Does Charles Schwab allow Meta Muse?

Charles Schwab blocks Meta Muse, on the record since October 16, 2026. Bloomberg Law (October 16, 2026): “We don't want someone just giving their password to Muse, and letting Muse come in and take action on that client's behalf. We can't control it, the client can't control it, something could go wrong and who's liable?” Scope named: log-in with the customer's credentials, transactions.

### Does Royal Bank of Canada allow Meta Muse?

Royal Bank of Canada blocks Meta Muse, on the record since October 27, 2026. Bloomberg (October 27, 2026): “Royal Bank of Canada is blocking third-party artificial intelligence agents such as Meta Platform Inc.’s Muse from accessing its banking systems, citing “unacceptable customer risk.”” Scope named: log-in with the customer's credentials, browser automation, transactions.

### Does National Bank of Canada allow Meta Muse?

National Bank of Canada has Meta Muse under review, on the record since October 28, 2026. The Globe and Mail (October 28, 2026): “it is closely monitoring the developments, including the use of Meta’s Muse, and assessing the opportunities and risks the technology may pose to clients.”

### Does PayPal work with Meta Muse?

PayPal has partnered with Meta Muse, on the record since September 22, 2026. Payments Industry Intelligence (September 24, 2026): “PayPal has partnered with Meta to enable users of the technology group's new Muse personal AI agent to shop and check out across PayPal's merchant network, adding another major payments provider to the emerging agentic commerce ecosystem.” Scope named: payments.

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

The 5 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.

## Method

Unit: one relation between Meta Muse and one bank or fintech, with the date of the earliest public evidence, a verbatim quote of at most two sentences and its source. One active row per bank: when a position changes, the newer row replaces the older one, which stays in the dataset.

This page exists because Meta Muse has 5 active relations; an agent gets a page from 4. Checked November 10, 2026: the latest day one of these rows was compared with its source. The weekly news sweep last ran on November 8, 2026; the next is due November 15, 2026.

The counts of banks include 1 institution this site does not profile, marked "not profiled" in the table; fintechs are counted as fintechs.

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Canonical page: https://www.bankingnewsai.com/agentic-banking/agent-access/meta-muse
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — the agent access tracker: https://www.bankingnewsai.com/agentic-banking/agent-access. Data (JSON, CC BY 4.0): https://www.bankingnewsai.com/agentic-banking/agent-access/data.json. Markdown index: https://www.bankingnewsai.com/llms.txt.