Jenny McDonagh, 39, is accused of taking money meant for those affected by the deadly blaze while working at Kensington and Chelsea council.
She has been charged with two counts of fraud by abuse of position, one count of theft by an employee and one count of money laundering.
The Met Police said the charges relate to money intended for those affected by the tragedy.
They said the accuses was neither a survivor nor a bereaved family member herself.
She was originally arrested on Wednesday, 1 August and then again on Tuesday night.
McDonagh, of Abbey Wood, will appear in custody at Westminster Magistrates' Court later this morning.
The Grenfell blaze broke out just after 1am on Wednesday, June 14, 2017.
Police later confirmed 72 people died in the fire.
In May 2018, the inquiry began with 72 seconds of silence in tribute to the victims of the disaster who included a stillborn baby.
The devastating blaze was described as "the city's greatest tragedy since World War Two" in a powerful statement by chairman Sir Martin Moore-Bick.
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