M1: Investing & Banking

4.4
24.8K reviews
1M+
Downloads
Content rating
Everyone
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About this app

M1 is sophisticated wealth-building, simplified.

Our comprehensive financial platform combines high-yield on your cash, personalized investment management, a lucrative cash-back credit card, and flexible ways to borrow money.

Discover the power of personalized finance and take control of your financial future. Download M1 now and experience the future of finance at your fingertips.

EARN

Maximize your savings growth with 5.00% APY interest, ensuring your money works harder for you.

INVEST

Use powerful portfolio management tools to invest commission-free^. Build your unique portfolio of stocks and ETFs and let advanced automation help power your strategy to achieve your long-term goals.

SPEND

Our M1 Owners Rewards Credit Card offers rewards that align with your spending habits. You can automatically reinvest your rewards to build wealth—even as you spend.

BORROW

Margin lets you tap into the power of your portfolio through a line of credit against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin. Borrow up to 50% of your portfolio with rates from 7.25%-8.75%*. Pay back on your schedule—there’s no minimum or maximum repayment period.

You can also borrow $2,500–$50,000 over 2-7 years for almost anything. No prepayment penalties, origination fees, or late fees. APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.

Example: A borrower receives a loan of $15,000, for a term of 36 months, with an APR of 11.17%. In this example, the borrower will make 36 monthly payments of $429.31 for a total of $17,723.16 ($2,723.16 interest). APR is calculated based on 3-year rates offered in Jan 2024.

DISCLOSURES

See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Must be 18+ and US resident to open an account.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.

M1 is not a bank. M1 Savings Accounts and M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

© Copyright 2024 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States
Updated on
Mar 26, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

4.4
24.2K reviews
K Yager (Chefhusker)
March 15, 2024
I'm trying to think of a scenario that would validate using this app; I guess if you don't like a lot of options, want to only access trades/investing at two specific times per day, want to pay a monthly charge for little to no reason, and/or are scared of better apps like WeBull or Schwab, then consider M1. I have an acct with Schwab and it's way easier to work with, I can use it day or night, and it hasn't charged me a fee in over 5 years.
12 people found this review helpful
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Charles
January 11, 2024
Another horrible redesign. Please either get rid of the navigation on the bottom or the entire home page. I can no longer navigate using the drop down from the home page. I want a consistent experience. Adding the different portfolio screens to the top was a mistake. It looks horrible and now the area for the list of stocks is way too small. If the navigation bar stays, the portfolio should be the first option.
60 people found this review helpful
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M1 Finance
January 12, 2024
We’re sorry to hear your experience didn’t match your expectations. Our support team can look into this for you— please check out help.m1.com.
Russell Glover
February 28, 2024
The best app for passive investing, but having two trade windows seems stupid. Most other apps can trade whenever, so why the limitation. other than that, the pie idea is great and so is scheduling daily/weekly/monthly whatever recurring investments. Love how the app will auto-buy based on your pie, if you have auto-invest on. Get rid of the stupid trade windows and make it buy whenever we want. If they would do that, I would delete all my other investing apps.
7 people found this review helpful
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M1 Finance
March 1, 2024
Thanks for sharing your thoughts! We'll pass this onto the right team. If you'd like to share additional feedback, our inboxes are open at hello@m1finance.com.

What's new

Here's what you'll find in the latest update:
- Bug fixes and improvements

Let us know what you think by leaving a review or contacting us at hello@m1finance.com.