Prosecutors allege that between 1994 and 1997 Ms Maxwell helped Epstein groom girls as young as 14.
The charges say she would build a rapport with them - including by taking them shopping or to the movies - and would later coax them into giving Epstein massages during which they were sexually abused.
"Maxwell played a critical role in helping Epstein to identify, befriend and groom minor victims for abuse," said Audrey Strauss, acting US attorney for the southern district of New York.
Five of the six charges brought against her each carry a sentence of five years with the sixth - transporting a minor with intent to engage in criminal sexual activity - punishable by up to 10 years in prison.
What is the detail of the charges?
Four of the charges relate to the years 1994-97 when Ms Maxwell was, according to the indictment, among Epstein's closest associates and also in an "intimate relationship" with him. The other two charges are allegations of perjury in 2016.
The indictment says Ms Maxwell "assisted, facilitated, and contributed to Jeffrey Epstein's abuse of minor girls by, among other things, helping Epstein to recruit, groom and ultimately abuse victims known to Maxwell and Epstein to be under the age of 18".
Specifically, she is charged with:
Conspiracy to entice minors to travel to engage in illegal sex acts
Enticing a minor to travel to engage in illegal sex acts
Conspiracy to transport minors with intent to engage in criminal sexual activity
Transporting a minor with intent to engage in criminal sexual activity
She is accused of grooming multiple minor girls to engage in sex acts with Epstein. She allegedly attempted to befriend them by asking about their lives and families and then she and Epstein built the friendships by taking minor victims to the cinema or shopping.
Having built a rapport, Ms Maxwell would "try to normalise sexual abuse for a minor victim by... discussing sexual topics, undressing in front of the victim, being present when a minor victim was undressed, and/or being present for sex acts involving the minor victim and Epstein".
"Maxwell and Epstein worked together to entice these minor victims to travel to Epstein's residences - his residence in New York City on the Upper East Side, as well as Palm Beach, Florida, and Santa Fe, New Mexico," Ms Strauss told reporters.
"Some of the acts of abuse also took place in Maxwell's residence in London, England."
The perjury counts relate to depositions she gave to a New York court on 22 April and 22 July 2016. The charge sheet says she "repeatedly lied when questioned about her conduct, including in relation to some of the minor victims".
"Maxwell lied because the truth, as alleged, was almost unspeakable," said Ms Strauss.
What is the background?
Allegations against Epstein had dated back years before the parents of a 14-year-old girl said he had molested her in 2005. Under a legal deal, he avoided federal charges and since 2008 was listed as level three on the New York sex offenders register.
But he was arrested again in New York on 6 July 2019 and accused of sex trafficking of underage girls over a number of years.
Some of Epstein's alleged victims have accused Ms Maxwell of bringing them into his circle to be sexually abused by him and his friends.
One told the BBC's Panorama that Ms Maxwell "controlled the girls. She was like the Madam".
Another of Epstein's alleged victims, Virginia Giuffre, has accused Ms Maxwell of recruiting her as a masseuse to the financier at the age of 15.
Details of that allegation against Ms Maxwell emerged in documents unsealed by a US judge last August in a 2015 defamation case but are not part of the charges against Ms Maxwell unveiled in July 2020.
Who is Ghislaine Maxwell?
Ms Maxwell is the daughter of late British media mogul Robert Maxwell.
US attorney Geoffrey Berman said Prince Andrew had "repeatedly declined our request" to schedule an interview.
The duke's lawyers previously rejected claims he had not co-operated, saying he offered to help three times.
Prince Andrew stepped away from royal duties last year.
Asked about the prince on Thursday, acting Attorney Strauss said: "I am not going to comment on anyone's status in this investigation but I will say that we would welcome Prince Andrew coming in to talk with us, we would like to have the benefit of his statement."
A source close to Prince Andrew's lawyers told BBC News: "The Duke's team is bewildered by the DoJ's [Department of Justice's] comments earlier today as we have twice reached out to them in the last month and have received no reply."