What Is a "ChatGPT" Charge on My Bank Statement?

A ChatGPT charge is most likely your monthly OpenAI ChatGPT Plus ($20/month) or ChatGPT Pro ($200/month) subscription for access to GPT-4 and advanced features.

Plain-English explanation

OpenAI's ChatGPT Plus gives access to GPT-4 and priority access; ChatGPT Pro ($200/month) adds extended capabilities. API billing is separate — if you use the OpenAI API, charges depend on usage and appear as 'OpenAI' rather than 'ChatGPT'. Free-tier users are not charged.

Most common reasons this appears

• Monthly ChatGPT Plus ($20) subscription renewal
• Monthly ChatGPT Pro ($200) subscription for heavy use
• OpenAI API usage billed monthly (check openai.com/billing)

How to verify this charge

• Log in to chatgpt.com → your account icon → My plan.
• For API billing: log in to platform.openai.com → Billing.
• Cancel ChatGPT Plus at chatgpt.com → My plan → Cancel plan.

When to be concerned

• $200 charge when you only intended to subscribe to Plus.
• API charges much larger than expected (check usage limits).
• Charge after you downgraded to the free plan.

Part of: Subscriptions & streaming →