Chime Launches Chime Invest to Broaden Wealth Building

Chime has announced the launch of Chime Invest, bringing stock and ETF trading alongside expert-managed portfolios into the Chime app.

The feature allows members to buy stocks and ETFs commission-free or let an expert-managed portfolio handle the process with no account minimums. 

The product expansion brings wealth building features into the same environment where members already receive income, spend and save.

Built for mainstream consumers

About 40% of Americans report not owning any stock, according to a Gallup Economy and Personal Finance survey in April 2026, meaning they are missing out on one of the most "reliable ways to build wealth over time" Chime states. 

In a recent survey, Chime members pointed to specific barriers to entry, including limited time to learn the market, more need to use money elsewhere and the cost of professional advice.

Chime Invest allows members to start investing with as little as US$1. For those short on time or expertise, managed options provide automated portfolio handling.

“The hardest part of investing is often getting started and sticking with it,” says Chris Britt, CEO and Co-Founder of Chime. 

“Millions of people already trust Chime with their money every day. By bringing investing into the app they already know and love, we’re making it easier to turn saving into investing and investing into long-term wealth.”

Structure and account features

The launch relies on strong daily engagement, with the average member opening the Chime app five times a day and transacting more than 50 times a month. Rather than requiring a separate app or user experience, Chime Invest operates within two paths inside the same account.

For members who want hands-off management, Managed Portfolios offer expert-built, diversified portfolios tailored to personal goals and risk profiles.

These portfolios are managed by Atomic Invest, an SEC registered investment adviser and carry no account balance minimums. Management fees are set at zero for Chime Prime members, 0.10% annually for Chime Plus members and 0.25% for all other members.

For members seeking full control, Self-directed Investing offers a broad selection of US stocks and ETFs on a commission-free basis.

Securities held in members’ investment accounts are SIPC-protected up to $500,000. 

General access to Chime Invest rolls out to members over the coming weeks, complementing existing features.

A strong year ahead

The news comes ahead of the fintech company’s expected announcement of its second quarter results of the financial year in August.

Its first quarter results revealed that the company has, so far had a “strong start”, according to Chriss Britt in a recent company announcement. 

Revenue was announced at US$647m, an increase of 25% year-on-year. Chime note that this quarter benefits from tax refund-related activity. The fintech company also expects that its second quarter will have revenue between US$633m and US$634m

In the same announcement, the company notes that it reached 10.2 million active members. Research conducted in May 2026 via a third party revealed that more Americans opened a bank account with Chime than any other financial institution. 

Its full-year projection reaches heights of US$2.66bn to US$2.69bn, representing a 22-23% year-on-year growth for the company.