AI vendors and platforms · computed from bank profiles and the OpenAI vendor page; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 45 of the 141 large banks profiled have a dated, sourced profile entry naming OpenAI (a use case, a timeline move, a platform note or a vendor-page customer record). Ranked by entries naming OpenAI, the top 5 are BBVA (22 entries), MUFG (19 entries), Commonwealth Bank (13 entries), NatWest (12 entries) and BNY (12 entries). BBVA's strongest evidence: ChatGPT Enterprise for all employees (use case, in production, Jun 11, 2026).
141 banks profiled (120 US, 21 non-US) · 45 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks use OpenAI?
| # | Bank | Entries naming OpenAI | Strongest entry | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | BBVA | 22 | ChatGPT Enterprise for all employees (use case, in production, Jun 11, 2026) | In production | Jun 11, 2026 | BBVA profile → | OpenAI ↗ · OpenAI ↗ |
| 2 | MUFG | 19 | Equity and partnership stakes in AI companies — Investments in Sakana AI (twice), LayerX and Noetra, plus partnerships with OpenAI and Google, tie the group's AI… (use case, in production, Jul 16, 2026) | In production | Jul 16, 2026 | MUFG profile → | Mitsubishi UFJ Financial Group, Inc. ↗ · Mitsubishi UFJ Financial Group, Inc. ↗ |
| 3 | Commonwealth Bank | 13 | ChatGPT Enterprise for staff (use case, in production, Aug 12, 2026) | In production | Aug 12, 2026 | Commonwealth Bank profile → | OpenAI ↗ · Commonwealth Bank of Australia ↗ |
| 4 | NatWest | 12 | NatWest app in ChatGPT (use case, in production, Apr 30, 2026) | In production | Apr 30, 2026 | NatWest profile → | NatWest Group ↗ · Finextra ↗ |
| 5 | BNY | 12 | OpenAI and Google Cloud models on Eliza (use case, in production, Dec 9, 2025) | In production | Dec 9, 2025 | BNY profile → | The Wall Street Journal ↗ · Banking Dive ↗ |
| 6 | Customers Bank | 10 | OpenAI, Microsoft and ElevenLabs relationships (use case, in production, Jun 2, 2026) | In production | Jun 2, 2026 | Customers Bank profile → | The Motley Fool via Yahoo Finance ↗ · CNBC ↗ |
| 7 | Synchrony | 8 | Synchrony GPT and workforce AI tools — ChatGPT Enterprise and ChatGPT Work access is described as upcoming (use case, in production, Aug 17, 2026) | In production | Aug 17, 2026 | Synchrony profile → | Synchrony ↗ · Synchrony (PR Newswire) ↗ |
| 8 | Morgan Stanley | 8 | DevGen.AI legacy-code modernisation — In-house platform on OpenAI's GPT models that maps old codebases for rebuilding and now automates parts of the… (use case, in production, Jun 1, 2026) | In production | Jun 1, 2026 | Morgan Stanley profile → | American Banker ↗ · Morgan Stanley ↗ |
| 9 | UBS (US) | 7 | Microsoft Azure OpenAI Service and Azure AI Search (use case, in production, Oct 13, 2026) | In production | Oct 13, 2026 | UBS (US) profile → | Microsoft Customer Stories ↗ · UBS ↗ |
| 10 | UBS Group AG | 7 | AI video avatars of research analysts — OpenAI and Synthesia models turn analyst research notes into scripted videos with the analyst's likeness (use case, in production, May 20, 2025) | In production | May 20, 2025 | UBS Group AG profile → | Fortune ↗ · Finextra ↗ |
| 11 | SouthState | 7 | AutoGPT deposit-campaign agent — An agent built on ChatGPT ran an email campaign for Health Savings Accounts and raised $2.3 million at a 1.75% rate… (use case, pilot, Aug 2, 2024) | Pilot | Aug 2, 2024 | SouthState profile → | Forbes ↗ · American Banker ↗ |
| 12 | Banco Santander | 6 | AI tools for all employees (multi-provider) — Microsoft Copilot for everyday productivity plus OpenAI's ChatGPT, Anthropic's Claude and Google's Gemini for… (use case, in production, Jun 22, 2026) | In production | Jun 22, 2026 | Banco Santander profile → | Banco Santander ↗ · Banco Santander ↗ |
| 13 | CIBC | 6 | Azure-hosted data and a ChatGPT-based CAI (use case, in production, Jan 7, 2026) | In production | Jan 7, 2026 | CIBC profile → | Microsoft ↗ · Forbes ↗ |
| 14 | OceanFirst | 5 | Microsoft Copilot across departments — the May 2026 deck says Copilot (on OpenAI and Claude infrastructure) is deployed across all departments and the July… (use case, in production, Jul 30, 2026) | In production | Jul 30, 2026 | OceanFirst profile → | American Banker ↗ · OceanFirst Financial Corp. (SEC filings) ↗ |
| 15 | TD Bank Group | 5 | TD Securities AI Virtual Assistant — An OpenAI GPT assistant with retrieval over TD Securities research and market data and text-to-SQL, used by about… (use case, in production, Oct 9, 2025) | In production | Oct 9, 2025 | TD Bank Group profile → | VentureBeat ↗ · American Banker ↗ |
| 16 | SoFi | 5 | SoFi adds private-market funds that may hold OpenAI and Anthropic (move, Aug 5, 2026) | Mentioned | Aug 5, 2026 | SoFi profile → | Business Wire via FT Markets ↗ · SoFi (Business Wire) via FinTech Futures ↗ |
| 17 | JPMorgan | 5 | JPMorganChase appears in 28% of AI-model answers on consumer banking — A 5W study of 31,500 queries across ChatGPT, Claude, Gemini, Perplexity and Google AI Overviews (January to May 2026)… (move, Jul 22, 2026) | Platform | Jul 22, 2026 | JPMorgan profile → | American Banker ↗ · CNBC ↗ |
| 18 | First Interstate | 5 | Model supply chain beneath Fiserv agentOS — agentOS was developed with OpenAI and runs on Amazon Bedrock AgentCore, according to AWS and American Banker (use case, pilot, May 14, 2026) | Pilot | May 14, 2026 | First Interstate profile → | Fiserv via Amazon press centre ↗ · American Banker ↗ |
| 19 | Santander US | 4 | Multi-vendor model stack (group) — Microsoft Copilot, OpenAI, Anthropic and Google tools for all employees, on a vendor-agnostic architecture, with no… (use case, in production, Jun 22, 2026) | In production | Jun 22, 2026 | Santander US profile → | Crowdfund Insider ↗ · Banco Santander ↗ |
| 20 | TD | 4 | TD Securities AI Virtual Assistant — Equity research and market-data assistant on OpenAI enterprise GPT, built with Layer 6 (use case, in production, Oct 9, 2025) | In production | Oct 9, 2025 | TD profile → | American Banker ↗ · VentureBeat ↗ |
| 21 | Amex | 4 | Amex Ventures invests in Pie — Pie, an AI-powered growth platform for small businesses, offers AI Search for visibility in assistants such as… (move, Aug 4, 2026) | Mentioned | Aug 4, 2026 | Amex profile → | Finextra ↗ · Payments Dive ↗ |
| 22 | Goldman | 4 | Invests in OpenAI's DeployCo (move, May 14, 2026) | Mentioned | May 14, 2026 | Goldman profile → | American Banker ↗ · CNBC ↗ |
| 23 | Webster | 4 | Santander ChatGPT Enterprise (group) (use case, rolling out, Aug 12, 2025) | Rolling out | Aug 12, 2025 | Webster profile → | Banco Santander ↗ |
| 24 | Ally | 4 | Microsoft Azure OpenAI Service (section, Jul 31, 2025) | Mentioned | Jul 31, 2025 | Ally profile → | Ally Financial ↗ · American Banker ↗ |
| 25 | Deutsche Bank (U.S.) | 3 | dbLumina in US economic research — The US economics team uses the bank's proprietary AI tool alongside ChatGPT and Claude in published research (use case, in production, Apr 1, 2026) | In production | Apr 1, 2026 | Deutsche Bank (U.S.) profile → | Fortune ↗ |
| 26 | BNP Paribas | 3 | ESG Assessment assistant — An internal assistant built with ChatGPT on Microsoft Azure suggests answers and cites document sections for the ESG… (use case, in production, Nov 12, 2025) | In production | Nov 12, 2025 | BNP Paribas profile → | Finextra ↗ |
| 27 | OCBC | 3 | OCBC GPT, HELIOS and OCBC WoW — Staff use OCBC GPT, a chatbot built with Microsoft's Azure OpenAI and rolled out to 30,000 employees in November 2023… (platform, Oct 5, 2026) | Platform | Oct 5, 2026 | OCBC profile → | Oversea-Chinese Banking Corporation ↗ · Oversea-Chinese Banking Corporation ↗ |
| 28 | BofA | 3 | Reuters: $520 million credit line to OpenAI (move, Jul 8, 2026) | Mentioned | Jul 8, 2026 | BofA profile → | Reuters (Yahoo Finance) ↗ |
| 29 | HSBC USA | 3 | Wealth Intelligence for relationship managers — In-house platform on an OpenAI model that summarises HSBC research and more than 10,000 sources (use case, rolling out, Jun 24, 2026) | Rolling out | Jun 24, 2026 | HSBC USA profile → | HSBC Private Bank ↗ · HSBC ↗ |
| 30 | U.S. Bank | 2 | Multi-model, multi-vendor stack — Proprietary and open-source models balanced with models from OpenAI, Anthropic and Google, so the bank is not stuck… (use case, in production, Jul 30, 2026) | In production | Jul 30, 2026 | U.S. Bank profile → | American Banker ↗ · Banking Dive ↗ |
| 31 | First United Bank | 2 | Customer cybersecurity and AI-privacy education — ChatGPT privacy risks, layered security and multi-factor authentication against AI-driven scams (use case, in production, Jan 21, 2026) | In production | Jan 21, 2026 | First United Bank profile → | First United Bank ↗ · First United Bank ↗ |
| 32 | HSBC | 2 | OpenAI (section, Jun 2, 2026) | Mentioned | Jun 2, 2026 | HSBC profile → | HSBC Private Bank ↗ · FinTech Global ↗ |
| 33 | Bank OZK | 2 | agentOS built with OpenAI and AWS; marketplace opens with 13 agents (move, May 14, 2026) | Mentioned | May 14, 2026 | Bank OZK profile → | Fiserv (GlobeNewswire) ↗ · American Banker ↗ |
| 34 | Citi | 1 | Google Cloud, DeepMind and Cognition partnerships — relationships with Anthropic, OpenAI, Google and Microsoft (use case, in production, Sep 22, 2026) | In production | Sep 22, 2026 | Citi profile → | Citigroup (PR Newswire) ↗ · Citigroup ↗ |
| 35 | Regions | 1 | Generative-AI risk framework and responsible use policy — Added after ChatGPT: a risk framework, a responsible use policy and a standard for unstructured data, on top of… (use case, in production, Nov 19, 2025) | In production | Nov 19, 2025 | Regions profile → | Investing.com ↗ |
| 36 | Schwab | 1 | Charley, Portfolio Insights, Schwab Knowledge Assistant and Schwab Advisor AI in Action — Internally, the Schwab Knowledge Assistant (disclosed February 2025) gives client-service representatives a… (platform, Sep 30… | Platform | Sep 30, 2026 | Schwab profile → | Charles Schwab ↗ · Charles Schwab ↗ |
| 37 | Wells Fargo | 1 | Ranks second-worst of seven banks on AI-judged reputation — A RepTrak study averaging scores across Claude, ChatGPT and Gemini gives Wells Fargo 22.2 out of 100, ahead of only TD… (move, Sep 18, 2026) | Mentioned | Sep 18, 2026 | Wells Fargo profile → | American Banker ↗ |
| 38 | Truist | 1 | Mid-table on AI-judged reputation — A RepTrak study averaging scores across Claude, ChatGPT and Gemini gives Truist 42.6 out of 100, third of seven banks… (move, Sep 18, 2026) | Mentioned | Sep 18, 2026 | Truist profile → | American Banker ↗ |
| 39 | Northern Trust | 1 | Clients test advice against AI — The family-office head on prospects arriving with ChatGPT-drafted questions and RFPs from clients with $100 million (move, Jul 30, 2026) | Mentioned | Jul 30, 2026 | Northern Trust profile → | CNBC ↗ |
| 40 | DBS | 1 | Group COO sets out agent control-plane advice after visiting AI labs — Derrick Goh wrote that after a Silicon Valley trip to OpenAI, Anthropic, Google, Microsoft, Cursor and LangChain he… (move, Apr 16, 2026) | Mentioned | Apr 16, 2026 | DBS profile → | Euromoney (DBS-sponsored article by Group COO Derrick Goh) ↗ |
Each row quotes one record from bank profiles and the OpenAI vendor page; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced, plus the bank customers listed on the OpenAI vendor page (/vendors/openai-chatgpt-enterprise).
Rule: A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern OpenAI|ChatGPT|GPT-?[45o], or when the vendor page records it as a customer. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last.
Counts: 45 of 141 profiled banks qualify; the table shows the top 40; 66 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
Naming OpenAI on the public record is evidence of a relationship, a pilot or a policy, not of contract size or exclusivity; many banks use several providers and do not name them all.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
BBVA leads with 22 entries: ChatGPT Enterprise for all employees (use case, in production, Jun 11, 2026). MUFG is second with 19.
How many large banks name OpenAI in sourced AI records?
45 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 29 are US banks and 11 non-US groups.
What counts, and what does not?
A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern OpenAI|ChatGPT|GPT-?[45o], or when the vendor page records it as a customer. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced, plus the bank customers listed on the OpenAI vendor page (/vendors/openai-chatgpt-enterprise).
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-28 (bank profiles and the OpenAI vendor page). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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