M1 | Investing & Banking

21.2K reviews
Content rating
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About this app

You can now invest in cryptocurrency and stocks 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 margin at just 7.25%, or 5.75% with M1 Plus* 
•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 
•Invest in crypto, stocks and ETF’s using the right strategy for your time horizon, risk tolerance, and goals. 


•Earn up to 1%** cash back on Visa® debit card purchases with M1 Plus 
•Earn 3.00% APY† on your checking account with M1 Plus 
•Get paychecks up to 2 days early†† 


•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.*** 


•In 2023, M1 will be offering a high-yield savings account where M1 Plus¹ users will earn 4.5% APY² on their cash. This will be an FDIC-insured account offered by B2 Bank National Association³. 


•M1 Finance now offers investing in cryptocurrencies, including BTC and ETH. 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 
•Invest automatically in custom crypto Pies, commission-free 
•Rebalance your crypto Pies easily 
•Secure crypto storage with custodial wallets powered by Apex Crypto 


•M1 Invest Brokerage products and services are offered by M1 Finance LLC, Member of SIPC. 
•M1 Spend checking accounts may be insured up to $250,000 by the FDIC 


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

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

††Early Direct Deposit is dependent on your payroll provider. 

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. 

Investing in cryptocurrency comes with significant risk. Cryptocurrencies are not FDIC or SIPC insured. For relevant disclosures and risks, visit m1.com/crypto-disclosures 

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 2022 M1 Holdings Inc. 

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States 
Updated on
Nov 29, 2022

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
21.2K reviews
S Blunt
October 5, 2022
A bit more cumbersome than I'd like when it comes to doing simple tasks such as adding external accounts. There has to be a better way. 5-10 clicks to make small changes isn't it. Shouldn't have to send a msg to customer service just to get an, outdated, auto generated response. Started off well. Let's get back to the basics. The interface is great but the execution is lacking. A lot.
21 people found this review helpful
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July 23, 2022
1. This app has gotten extremely slow over time. So much lag makes it very frustrating and hardly useable. 2. It no longer reliably shows changes over 1 year and all time, often either not at all or shows completely incorrect data. 3. Rebalances are not always done on pies with many positions when they normally can be, well over the 1 dollar limit. 4. App logs out too fast when I switch apps within a very short time.
55 people found this review helpful
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Jason D
August 5, 2022
This used to be a five-star app. Granted is still one of the better brokerage interfaces. But in the last few years M1 has really started pushing advertisements and overcomplicating the once simple interface. They should have an option to have the most simple interface, no ads, no research, no crypto, just simplicity.
56 people found this review helpful
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M1 Finance
August 15, 2022
Thanks for your feedback, Jason—we shared it with the right team. We’re sorry to hear your experience didn’t match your expectations. If you need anything else, you can reach us at help.m1.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.