Which Copilot do you mean?
Four products share the name, and each gives a different answer:
| Product | Can it reach your bank? | How |
|---|---|---|
| Microsoft Copilot (copilot.com, mobile) | No bank connector | Upload a statement to a chat |
| Microsoft 365 Copilot (work) | Through an agent your organization builds | An MCP server added in Copilot Studio |
| GitHub Copilot | Yes | An MCP server in VS Code, in Agent mode |
| Copilot Money | Yes, inside its own app | A separate budgeting app, not from Microsoft |
The Microsoft Copilot app
Copilot connects to outside services under Profile, Connectors. Microsoft's connector page (read November 6, 2026) lists these for personal accounts:
- Microsoft OneDrive
- Microsoft Outlook.com (email, calendar and contacts)
- Google Drive
- Google Gmail, Calendar and Contacts
No bank is on the list, and the page has no option for adding your own server. Copilot can still help with money through files. Upload a statement or a CSV export and ask about it, or ask it to find a statement already in your OneDrive. The answers stop at the last date in the file.
A statement holds your name, address, account number and every transaction, so read what to check before uploading one to an AI assistant first. Those checks apply to Copilot too. Microsoft's privacy FAQ says an uploaded file is stored for no longer than 18 months and treated like the rest of the conversation. It also says it describes the app version from before August 18, 2026, so confirm the settings in your own app.
GitHub Copilot
GitHub Copilot supports MCP, the open standard for connecting assistants to outside tools, so it can use a bank connector today. BankBridge's setup takes a few minutes:
- Sign up for BankBridge and connect your bank on its own sign-in screen.
- Follow the GitHub Copilot setup page and click the install button, which opens VS Code with BankBridge filled in.
- Switch Copilot Chat to Agent mode, since Ask and Edit modes don't call tools.
- Ask a question:
"How much did I spend this week?"
Copilot calls list_transactions and answers from your bank's current data. On a Copilot Enterprise account, an admin policy can block custom MCP servers, so ask your admin if BankBridge doesn't appear.
Microsoft 365 Copilot and Copilot Studio
At work, the route is an agent built in Copilot Studio. Microsoft's MCP steps (updated October 30, 2026) are:
- Open your agent's Tools page and select Add a tool, then New tool.
- Select Model Context Protocol to open the onboarding wizard.
- Fill in a server name, a description, and the server URL
https://bankbridge.money/api/mcp. - Choose OAuth 2.0, then Dynamic discovery, and select Create.
- Create a new connection, sign in to BankBridge, and select Add to agent.
Once published, the agent can be connected to the Microsoft 365 and Teams channels, which puts it in Teams and Microsoft Copilot. Your organization's data policies apply to the connection, and an admin may need to approve it.
We have not run this flow end to end. BankBridge offers what the wizard asks for (a Streamable HTTP server with OAuth dynamic client registration), but test it with one account first. Each person signs in with their own BankBridge account and sees only the banks they linked, so it suits a small team better than a shared company login. For business accounts in other assistants, see connecting a business bank account to Claude or ChatGPT.
What a connected Copilot can do
Once BankBridge is connected, Copilot can read account balances, up to 24 months of transactions, recurring charges, monthly cashflow and investment holdings. It can't move money, pay a bill or change anything at your bank, because BankBridge has no tool for it. BankBridge fetches data when you ask and doesn't keep a copy.
It costs $5 a month or $50 a year per connected bank and covers US institutions. The same account also works in Claude, ChatGPT and other apps that support MCP. Connect your bank to get started.