// sector · Finance & insurance

Finance and insurance on ChatGPT Ads. Compliance first.

A freelancer compares business accounts, a family compares coverage, a borrower compares timelines, and all of them describe it to ChatGPT before choosing. Our first step is checking that your offer can run there at all. Only then do we measure every lead to the signed file.

Category subject to OpenAI’s advertising policies

Offer and message eligibility is checked before any launch. We don’t launch a campaign that will be rejected in review.

chatgpt.com
TB

I'm a freelancer, I want a business account with a card and transfers without hidden fees, which one?

For a freelancer, everything hinges on how well the pricing grid fits actual usage. Count your monthly transfers, your card payments received and what you need abroad. Then read three lines of the grid: the monthly price, the cost of a transfer outside the plan, and how you close the account.

Sponsored

Freelance pro account

Full pricing grid. Open online.

your-neobank.com

// why this sector

Why finance plays out on trust.

Nobody switches bank or insurer on a slogan. People compare, hesitate, reread the terms, and ChatGPT hears every one of those hesitations in plain words. Answering takes an eligible offer and an exact message, in that order. No shortcut.

01

Eligibility is checked before the first hint

Regulated finance and insurance fall under OpenAI's advertising policies, and it isn't for us to rule in its place. What we do is review the offer, the disclosures and every message before building the campaign, case by case, because a neobank, an insurer and a savings provider don't bring the same file. If it doesn't pass, we say so.

02

Comparison runs on criteria

Fees, coverage, excesses, payout timelines, cancellation terms: that is what the user asks about, and that is what an ad can state without ever mentioning a return.

03

A poorly qualified lead costs more than a click

An incomplete application ties up an advisor for nothing. Measurement therefore runs to the completed file and the signed customer, well past the form.

// intents

The conversations where the comparison happens.

  1. Exploration

    Business account

    Typical prompt

    "I'm starting as a sole trader, do I need a separate business account, and which one?"

    What the ad has to do

    Name the situation (starting a business) and lead to a page that explains the pricing rather than to a promotional offer.

  2. Comparison

    Insurance

    Typical prompt

    "Home insurance for a rented city flat, what really differs from one policy to another?"

    What the ad has to do

    Carry one concrete, verifiable coverage difference, one argument per ad, and no number the landing page couldn't back up.

  3. Savings

    Accessible savings

    Typical prompt

    "My savings sit in a basic account, what options don't lock the money up for years?"

    What the ad has to do

    Describe a saver's situation and constraints. The ad talks about access, fees and terms, and never about expected performance.

  4. Decision

    Credit and brokerage

    Typical prompt

    "We found a flat, a broker or my bank for the mortgage, and how fast?"

    What the ad has to do

    Answer on timing and support to lead to an appointment, with the mandatory disclosures staying on the landing page.

// context hints

Context hints the way people compare an offer.

A finance hint describes someone comparing terms, never someone to be dazzled. Here are three ad groups for a business neobank, as we write them once eligibility is checked:

Generate your context hints

Illustrative excerpt. The real structure is built from your search terms, sales calls and support tickets.

ads.openai.com · Ad groups
Ad groupContext hintsMax bid

AG · Starting a business

  • freelancer who just registered as a sole trader and wants a simple business account with a card
  • founder incorporating a company who wants to deposit share capital online without visiting a branch
  • self-employed person who wants to separate business and personal spending without paying for a traditional bank
3 €

AG · Fee comparison

  • comparing the monthly fees of two business accounts for a small business paid mostly by card
  • which business account to choose when making many international transfers
  • difference between a neobank and a traditional bank for a tradesperson invoicing a handful of clients
4 €

AG · Switching banks

  • small business wanting to change business bank because customer support stopped answering
  • owner looking for a bank with a direct integration into their invoicing tool
  • self-employed person wanting to close their current account without losing direct debits
3,50 €

// scenarios

Three campaigns, the way we structure them.

Three examples that tie a conversation to an ad, a page and a metric. They are not delivery promises.

Business neobank

Conversation
"A business account for a freelancer invoicing three clients a month who wants a card"
Ad angle
Readable pricing, online onboarding, what's not included.
Landing page
"Freelancers" page with the full pricing grid, not the homepage.
KPI
Accounts opened and activated, not sign-ups.

Insurance broker

Conversation
"Home insurance for a city tenant, which one actually covers water damage?"
Ad angle
One precise coverage, a displayed excess, a reachable advisor.
Landing page
Quote page per situation, legal disclosures visible.
KPI
Completed quotes, then signed policies.

Savings

Conversation
"Put an emergency fund somewhere without locking it, with clear fees"
Ad angle
Access, fees, terms. No performance announced.
Landing page
Product page with regulatory documents accessible.
KPI
Completed applications, then first deposits.

// measurement

Measure to the signed file, not the form.

OpenAI's native reporting stops at impressions, clicks, spend, CTR and CPC. In finance, profitability sits further down, in the share of leads that become customers. So we set up the OpenAI Pixel and the Conversions API within your obligations, then compare your account with the Hiints Index.

  • Eligible leads

    Share of contacts who meet your acceptance criteria: the first filter, set right at the form.

  • Completed applications

    An application abandoned halfway is worth nothing, so we track completion step by step.

  • Signed or activated customers

    Activated account, signed policy, first deposit: the real conversion, sent back through the Conversions API.

  • Cost per signed customer

    Read it against Google Ads and your comparison sites over the same period, at equal offer.

  • Post-lead rejection rate

    When your teams turn down a large share of contacts, the hints are badly written: that is a rewrite signal.

  • Your segment in the Hiints Index

    Your CPC and CTR set against comparable finance and insurance accounts. OpenAI publishes no benchmark of its own.

// honest qualification

This channel isn't for all of finance. Worth knowing before you sign.

Yes, clearly

Your offer has passed our eligibility check against OpenAI's advertising policies, and your messages stand without any promise of gains. You can follow a lead to the signed customer, and you agree to share that number with us.

Yes, with one caveat

The offer looks eligible, but your messages lean on a rate, a return or a promise: we rewrite first, launch second. Same logic if you target an enterprise CFO, since only ChatGPT's Free and Go plans see ads and part of those profiles stays out of reach.

Not yet

After review, the offer isn't eligible, or your messages can't be made compliant without losing their meaning. A monthly media budget under €3,000 closes the question too. In those cases we don't launch, and we tell you before you sign.

Free setup, done in under 48h. Then 15% of ad spend under €5,000 of monthly media, 10% above. See pricing →

// questions

Questions on ChatGPT Ads and Finance & insurance.

Are finance and insurance allowed on ChatGPT Ads?

Neither yes nor no: an agency doesn't get to answer in OpenAI's place, and its advertising policies frame these categories. The answer is built offer by offer. Before any launch we examine your offer and every message, then hand back what we found before building a single campaign.

Can we show a rate or a return in the ad?

Our ads don't. They talk about fees, coverage, timelines and terms, and lead to a page carrying the mandatory disclosures. With 24 characters for the title and 48 for the copy, there is no room for a promise anyway.

Which conversion should a fintech track?

The sign-up isn't enough. Clicks are tied to completed applications, activated accounts and then first deposits through the OpenAI Pixel and the Conversions API, because profitability is decided at those steps.

How do we avoid unqualified leads?

Through the hints first, the landing page second. A hint describes a precise situation ("freelancer who just registered as a sole trader"), and the page states the acceptance criteria before the form. What's left is reading your teams' rejection rate to know what to rewrite.

Does the channel suit brokers?

Yes, on two conditions: the offer passes the eligibility check, and you follow the lead to the signed policy. The hints then describe comparison situations, and the ad carries a coverage or a timeline, never a gain.

What test budget for a journey that ends in an application file?

It comes down to what a signed customer brings in and to the share of files that drop out before signature: the longer the journey, the more volume you need to see what completes. Setup is free, and the fee follows your media, at 15% while it stays under €5,000 a month, then 10% above. Under €3,000 of monthly media, better not to test.

// shall we talk?

Your prospects already compare your fees inside ChatGPT.

A 30-minute conversation is enough to check your offer's eligibility and place your segment in the Hiints Index, live. If the answer is no, you'll have heard it before any commitment.

Book a call

30 minutes · no commitment · zero pitch