M1: Invest & Bank Smarter

M1 Finance

About this app

M1: Where sophisticated wealth-building meets simplicity.

Your all-in-one platform for earning, investing, spending, and borrowing. Join hundreds of thousands of investors who trust us with more than $10 billion in assets.

EARN
• Maximize your cash with our High-Yield Cash Account offering 4.00% APY¹
• FDIC-insured up to $3.75 million
• No minimum balance or fees
• Automate your savings with Smart Transfers

INVEST
• Build custom portfolios with 6,000+ stocks and ETFs
• Choose from expert-curated portfolios based on your goals and risk tolerance
• Invest for the long-term with automatic rebalancing and fractional shares
• Open individual, joint, trust, or custodial accounts
• Rollover or start a Traditional, Roth, or SEP IRA

CRYPTO
• Invest in cryptocurrencies like BTC and ETH as part of your long-term strategy
• Create custom Crypto Pies and invest automatically
• Commission-free trades

SPEND
• Earn up to 10% cash back with the Owner's Rewards Card by M1²
• Automatically reinvest your rewards to accelerate wealth building
• No annual fee
• Visa Signature benefits

BORROW
• Access a flexible line of credit against your investment portfolio
• Borrow up to 50% of your portfolio value
• Competitive 6.25% rate³
• No additional paperwork or credit checks required

WHY CHOOSE M1?
• Holistic wealth management: Seamlessly integrate earning, investing, spending, and borrowing
• Advanced automation: Put your finances on autopilot with custom rules and dynamic rebalancing
• Flexibility and control: Customize your strategy while we handle the execution
• Low costs: No commissions or management fees on investments
• Education and insights: Access expert analysis and financial planning tools

SECURITY
• Bank-level 256-bit encryption
• Two-factor authentication
• SIPC protection up to $500,000 on investment accounts
• FDIC insurance up to $3.75 million on cash accounts

GET STARTED
1. Download the app and create your account
2. Set up your custom strategy or choose an expert portfolio
3. Fund your account and start building wealth

Join M1 today and experience the future of finance – where sophisticated wealth-building meets simplicity.

¹ Annual Percentage Yield (APY) as of 12/18/24. Rates subject to change.
² Cash back rates vary by merchant. See website for full details.
³ Margin rates subject to change. See current rates at m1.com/borrow.

Investing involves risk, including the risk of loss. M1 Finance LLC is an SEC registered broker-dealer, Member FINRA/SIPC.

Borrow rates, terms, and conditions are subject to change and may vary based on credit determination, market conditions and other factors. This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where M1 is not registered.

App developed by M1 Finance LLC
200 North LaSalle Street, Suite 800
Chicago, IL 60601

Ratings and reviews

I absolutely loved it at first, wonderfully innovative features. Now, it's youth has shown with basic customer service. Multi week long delays with frozen accounts just because I hadn't made a transfer recently, adding pretty high monthly account fees, it's been a bummer. Amazing potential, still useful, but I'm leaving now.

I'll be leaving M1 Finance. I've been with the app for several years now, and I've loved it, although I just discovered I've been being charged a monthly fee that I don't remember being made aware of. It's a shame, because I love the structure of the app, but it's ridiculous to throw a random fee into the mix when 15 others app offer the same exact services.

The pie investing system is intuitive and makes portfolio customization easy and enjoyable. The automation tools are excellent for anyone looking to take a hands-off approach to investing. However, the $3/month fee (until you reach $10k in assets) is higher compared to traditional brokerage accounts that don't charge ongoing fees. That said, if you value the pie feature and automation, M1 is a solid choice.

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 [e-mail].