Chime Adds Commission-Free Investing to Core App

Chime has released Chime Invest, adding stock and ETF trading – alongside professionally managed portfolios – directly within its app.

The new offering enables members to trade stocks and ETFs commission-free or opt for expert-managed portfolios, all without minimum balance requirements.

This expansion integrates investing into the same platform where users already earn, spend and save, further consolidating everyday financial activity.

Built for mainstream consumers

Around 40% of Americans say they do not own any stocks, according to a Gallup Economy and Personal Finance survey conducted in April 2026.

As a result, many are missing what Chime describes as one of the most reliable long-term wealth-building tools.

A recent Chime survey identified key barriers to investing, including limited time to learn market dynamics, competing financial priorities, and the cost of professional advice.

Chime Invest lowers the entry point, allowing members to begin with as little as US$1. For those lacking time or confidence, managed portfolios offer a fully automated approach.

“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 rollout builds on strong user engagement, with members opening the app an average of five times daily and completing more than 50 transactions each month.

Instead of introducing a separate interface, Chime Invest is embedded within the existing app, offering two distinct pathways.

For those preferring a hands-off approach, Managed Portfolios deliver diversified, expert-designed investments aligned with individual goals and risk tolerance.

These portfolios are managed by Atomic Invest, an SEC-registered investment adviser and come with no minimum balance requirements.

Fees are structured at zero for Chime Prime members, 0.10% annually for Chime Plus members and 0.25% for all other users.

For members who want direct control, self-directed Investing provides access to a wide range of US stocks and ETFs on a commission-free basis.

Investments are protected by SIPC coverage of up to US$500,000.

Chime Invest will roll out to members over the coming weeks, enhancing the platform’s existing financial tools.

A strong year ahead

The launch precedes Chime’s anticipated second-quarter financial results, expected in August.

In its first-quarter update, the company reported a “strong start," Chris says.

Revenue reached US$647m, a 25% year-on-year increase, supported in part by seasonal tax refund activity.

Chime expects second-quarter revenue to fall between US$633m and US$634m.

The company also reported 10.2 million active members.

Third-party research conducted in May 2026 found that more Americans opened bank accounts with Chime than with any other financial institution.

Full-year revenue is projected to reach between US$2.66bn and US$2.69bn, representing annual growth of 22–23%.