How to connect Neto to ChatGPT (and what about Plus)

OpenAI's documentation says it plainly: custom MCP server connections "are available for ChatGPT Business and Enterprise/Edu customers on ChatGPT web". And within those plans, only admins and owners can create and publish them; on Enterprise and Edu an admin can also grant that permission to specific members.

In plain words:

• ChatGPT Business or Enterprise or Edu, as an admin or with permission: yes, and the six steps are below.
• ChatGPT Plus, Pro or free: today, no. The option does not appear; it is not hidden somewhere.

If you are in the second group, it is not a dead end: Neto's connector is the same for every assistant and it works today with Claude and with Grok, both with their own guide and neither needing a business plan. With Grok, connectors are available to all users.

This changes often, so if you are reading months later, it is worth checking the help page we link at the end.

• Neto Pro. The connector is a paid feature and it is checked when you connect.
• ChatGPT Business or Enterprise or Edu, on the web.
• Being an admin or owner of the workspace, or holding the "Create plugins with MCPs" permission.

And the connector address, the only official one:

https://api.netoapp.es/api/mcp

1. Open your menu and go to Settings. From ChatGPT on the web.

2. Go to "Plugins". This is where ChatGPT keeps connections. You do not need to turn on any developer mode first: in the current experience you add it directly from there.

3. Press the plus button and choose "Add custom MCP server".

4. Give it a name, paste Neto's address and accept the warning. The name is for you, "Neto" will do. Under Connection goes the address above, and then you tick the "I understand and want to continue" box, which is the risk warning ChatGPT shows for any server you add yourself.

5. Sign in with your Neto account and accept. You can sign in with your email and password, or ask for a six digit code by email. Then you will see the permissions screen, which tells you exactly what it will be able to do.

6. Done. Press "Create as a plugin" and ChatGPT shows you the tools it found. To use it, type an at sign in the chat and pick Neto.

It lists what ChatGPT will be able to do (see your expenses, income and summaries; see your categories, budgets and recurring expenses; and manage that data if you grant that permission) and what it will never be able to do:

• delete your Neto account or wipe your data
• change your password or your sign-in details
• connect to your bank, because Neto never does.

For actions that write, ChatGPT asks for confirmation in the conversation before running them.

• "How much have I spent this month?"
• "Which category is taking most of my money?"
• "Log 9.80 for coffee today."

And one worth making a habit before asking for bigger changes: "show me the list before you change anything".

"Add custom MCP server" does not appear. It is almost always the plan. That option does not exist on Plus or Pro. And on Business or Enterprise, if you are not an admin, your workspace has to have granted you the permission.

It cannot connect. Check the address is pasted in full, with no spaces and no trailing slash.

It asks you to pay when you sign in. The connector is a Neto Pro feature. If your subscription is on another account, sign in with that one.

It stopped working after a while. OpenAI warns that if the server does not issue refresh tokens you have to authorise again when the first one expires. Neto does issue them and advertises it in its metadata, so the connection renews itself until it expires after 90 days.

In two ways:

• From ChatGPT, in the same Plugins section.
• From Neto, in Settings → Connections, where you can also see the connector's activity.

The cut-off is immediate. Anything ChatGPT already received stays in your conversation with it: if you want it gone, delete that conversation.

Every change ChatGPT makes in your account can be undone for 30 days, and you have the log of what it did for 90. Just ask: "what did you change today?".

For what it can and cannot do, see the general guide on connecting Neto to your AI. And if privacy is what is holding you back, read is it safe to connect your finances to ChatGPT.

• Connecting custom MCP servers in ChatGPT (OpenAI Help Center).