Invest & Trade | M1 Finance

19.2K reviews
Content rating
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About this app

Invest commission-free, borrow money at low rates, and transfer money in one automated platform with M1 Finance.


•Buy stocks and ETFs to build a long-term, customized investment plan with Pies
•Use pre-built portfolios, ‘Expert Pies,’ designed for investing goals like retirement
•Invest in companies that share your values with Community Pies
•Invest as little as $1 with fractional shares
•Invest with an individual, joint, retirement, trust, or custodial investing account


•Borrow money at just 4.25%, or 2.75%*
•Borrow up to 40% of your portfolio’s value
•Access funds and get liquidity without selling securities


•Transfer money once or automatically on a schedule
•With M1 Plus, set up custom, automated rules with Smart Transfers


•Invest personal capital for your investing values, risk tolerance, diversification,
retirement, and more with Expert Pies
•One-click rebalancing adjusts your investments to your investing strategies


•Free digital checking
•Earn up to 1% cash back on Visa® debit card purchases with M1 Plus
•Earn 1% APY** on your checking account with M1 Plus
•Get paychecks up to 2 days early†


•Earn up to 2.5-10% cash back*** at select companies you invest in with the Owner’s
Rewards Card by M1
•$95 annual fee waived with M1 Plus
•1.5% cash back baseline
•invest your cash back rewards


•Securities in M1 Investing accounts are insured up to $500,000 by the SIPC
•M1 Spend checking accounts may be insured up to $250,000 by the FDIC


See all fees at
Must be 18+ and US resident to open an account. M1 Plus is an annual membership that confers
benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate,
affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc.,
and its affiliates.
All investing involves risk, including the risk of loss. Borrowing on margin can add to these risks, and
you should learn more before borrowing. M1 does not provide investment advice, and this is not an
offer or solicitation of an offer, or advice to trade any security.
Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1
Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
*M1 Borrow available on margin accounts with at least $2,000 invested. Borrow rates may vary.
Borrow not available for all accounts.
**No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from
account opening. Fees may reduce earnings. Rates may vary.
†Early Direct Deposit is dependent on your payroll provider.
M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 is not a bank. M1 Spend
checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by
Lincoln Savings Bank, Member FDIC. Debit card purchases are when the card is swiped, or its 16-digit
number is entered online. Any fund transfers, including via card transactions such as P2P or third party
processors, are not eligible for cash back.
***Credit Card not available for US Territory Residents. 1.5%-10% credit card cash back rewards earned on eligible purchases
subject to a maximum of $200 cash back per calendar month. Review card disclosure for more details on cash back. The Owner’s
Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member
© Copyright 2021 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.
App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States
Updated on
May 24, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
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19.2K reviews
Rob Rob
May 22, 2022
Missing some features at the overall portfolio level, and erasing the text in the search makes my keyboard collapse. Other than that it if reliable and delightful, and without all the things that annoy me about a lot of my apps (such as sever clicks to get to login, and ease of accidently doing something while scrolling or swiping). Rebalancing is easy, pies can br in other pies, auto-invest is easy, AND they allow for some of the intergrations you'd like such as Mint.
5 people found this review helpful
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Arturo Escorcia
March 15, 2022
Been using it for a couple years now, 0 issues with them. Great UI, easy to set up and to use, I love how it automatically allocates money to keep up with the pie goals, very hands free approach. This app is not designed for day trading, it is designed for long term investments, unfortunately a lot of the reviewers here don't seem to get that basic concept. But hey, they say they are "not boomers" and they can "tech".
119 people found this review helpful
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M1 Finance
March 15, 2022
Thanks for sharing your thoughts! We're glad you're enjoying M1. If you'd like to share more about your M1 experience and inspire others, our inboxes are open for client stories at
Devin Buchholz
March 12, 2022
I really like the app, but it does not have all the things a more advanced user needs. Having to pay for 2 daily trade windows is ludicrous. When something you invested in drops after a window you miss an opportunity. As well you should be able to do some options but you can't on their platform. At the minimum you should be able to sell covered calls and cash secured puts on your positions. Because the limitations Im debating transferring my account. If you don't need them its a great platform.
35 people found this review helpful
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M1 Finance
March 15, 2022
Thanks for sharing your thoughts. We’ll pass this onto the right team and are constantly working to improve. If you'd like to share additional feedback, our inboxes are open at

What's new

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

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