M1: Investing & Banking

M1 Finance

About this app

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

AUTOMATED INVESTING

• Buy stocks and ETFs to build a long-term, customized investment plan with Pies
• Use pre-built portfolios, ‘Expert Pies,’ designed for your investing goals
• 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 MARGIN AT LOW RATES

• Borrow margin at just 8.75%, or 7.25% with M1 Plus*
• Borrow up to 40% of your portfolio’s value
• Access funds and get liquidity without selling securities

TRANSFER MONEY

• Transfer money once or automatically on a schedule

INVEST FOR THE LONG TERM WITH OUR FINANCE APP

• 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

CREDIT CARD

• Earn and reinvest cash back as you like with the Owner’s Rewards Card. Get standard rewards of 1.5%, or earn 1.5-10% with M1 Plus***

CRYPTO

• You can now make Crypto part of your long-term investing strategy, invest automatically in custom pies, commission-free
• Invest in cryptocurrencies such as BTC, ETH, ADA and SOL
• Rebalance your crypto Pies easily
• Secure crypto storage with custodial wallets powered by Apex Crypto

ACCOUNT PROTECTION 

• M1 Invest Brokerage products and services are offered by M1 Finance LLC, Member of SIPC
• All M1 High-Yield Savings Account(s) deposits are FDIC insured up $5 million3

Additional DISCLOSURES

For full list of fees visit M1 Fee Schedule at https://m1.com/legal/disclosures/misc-fees

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. 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.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.

***Credit Card not available for US Territory Residents. The Owner's Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Review Cardholder Agreement and Rewards Terms for important information about the Owner's Rewards Card by M1

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 2023 M1 Holdings Inc.

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

Ratings and reviews

I wish it was faster, it does exactly what is supposed to do, and it's a good product. It just takes soo long to move money around, they clearly state it could take a some time, that's fine, but it's inconsistency takes a toll, I'll have some of the same type of transfers take from immediately to 7 days, it never clearly states to reason. It only allows one transfer at a time so if you need to do other business during one of the 7 day transfer delays your stuck. All in all, i like it though

Great experience. Two years and no issues Update, the app in itself is great and simple. Been with it 3 years now. Unfortunately for their higher checking account yield (which isn't as good as other competitors) you have to pay a hefty $125 anual fee you also get some benefits with it but so do you with other brokers for a lesser anual fee or no fee at all!

M1 is easy to navigate and easy on the eyes. This is especially great for new investors. It does lack data I am used to seeing. Generally have to have another screen up to look up data, dividends etc. Ultimately, Its a bit hard to get a hold of customer service. I have 2 Roth IRAs due to a pop up with a continue button that doesn't go away and I have a checking account that I thought didn't go through because it stated unable to process while there's a pending transaction? But got a statement.

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].