M1: Investing & Banking

24.9K reviews
Content rating
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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.


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


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.


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.


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.


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
Apr 9, 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

24.3K reviews
Amanda Deen
March 26, 2024
EDIT: Reducing my rating by 1 star. I decided to transfer out of M1 and it has been a horrible experience. I decided to leave due to poor user experience, trade windows, and general better experience with fidelity. Every UI update makes the app more cumbersome and clunky. I'm seeing a lot of bugs where menus don't open/close and graphs don't update when the timeline is changed. And now there are 2 rows of tabs in the Invest window which means I can see even less data at one time
8 people found this review helpful
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M1 Finance
December 29, 2023
We’re sorry to hear your experience didn’t match your expectations. Feel free to reach out with your ticket number to hello@m1.com and we can look into the issue and responses.
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.
21 people found this review helpful
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Arturo Zavala
January 24, 2024
I've missed out on 1%-4% additional gains due to the trading available windows. This is very unnatractive to me, especially during price swings. Sometimes, the dip only lasts a few hours and quickly corrects, but by the time my order is executed, it's too late and not filled at my ideal price. Why can we make instant orders?! This is very ridiculous. I wouldn't mind paying a few cents just to execute orders instantly!
12 people found this review helpful
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M1 Finance
January 1, 2024
Thanks for sharing your thoughts! We're glad you're enjoying M1. Check out our referral program in the app --- we’d love your friends here too!

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.