Chime is adding an investment product to its arsenal.
The fintech launched Chime Invest on its app, allowing users to buy stocks and exchange-traded funds commission-free, the company announced Monday.
Alternately, customers can choose to let Chime partner Atomic Invest create a portfolio tailored to their goals and risk profile, with no account balance minimum and no fees if they are Chime Prime members.
Chime unveiled a tiered membership structure in April. The managed portfolio option in Chime Invest comes with a 0.10% annual fee for users in the fintech’s second tier, Chime Plus. Other Chime members would pay a 0.25% annual management fee for the service.
“The hardest part of investing is often getting started and sticking with it,” Chime CEO Chris Britt said in a statement Monday. “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.”
General access to Chime Invest is set to roll out in the coming weeks, the company said. The product puts the fintech squarely in a market where bank-adjacent platforms like Robinhood and Wealthfront compete for the mass-affluent dollar.
In its press release Monday, Chime cited a Gallup survey from April indicating that roughly 40% of Americans do not own stock, meaning they “[miss] out on one of the most reliable ways to build wealth over time.”
Chime also referenced a September 2025 poll of 3,000 of its own customers, who said they have too little time to learn the market, more pressing uses for their money, or consider the cost of professional advice a barrier to opening an investment portfolio.
Britt teased Chime Invest in May – without naming any names.
"Investing is one of the last legs of the stool in terms of financial progress," Britt told American Banker at the time.
Chime Invest users can start with as little as $1, the company said. Securities held in users’ investment accounts – up to $500,000 – are protected through the Securities Investor Protection Corp., Chime said.
