M1: Investing & Banking

24.6K 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 40% 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
Feb 27, 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

24K reviews
Russell Glover
February 28, 2024
The best app for passive investing, but having two trade windows seems stupid. Most other apps can trade whenever, so why the limitation. other than that, the pie idea is great and so is scheduling daily/weekly/monthly whatever recurring investments. Love how the app will auto-buy based on your pie, if you have auto-invest on. Get rid of the stupid trade windows and make it buy whenever we want. If they would do that, I would delete all my other investing apps.
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M1 Finance
March 1, 2024
Thanks for sharing your thoughts! We'll pass this onto the right team. If you'd like to share additional feedback, our inboxes are open at hello@m1finance.com.
Joel Trout
December 28, 2023
First of all, i love M1, and recommend it to all of my clients who don't have the time/desire to actively manage their portfolio. The app was great, but the new update is horrible. The update looks pretty, but is nearly unusable, and very annoying to use. It might be okay on a tablet, or something with a larger screen. On a phone, part of some screens are cut off, and others cannot be seen at all under the fixed banners. The QA department must have been on vacation during this release.
31 people found this review helpful
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M1 Finance
January 1, 2024
Thanks for your feedback—we shared it with the right team. We’re sorry to hear about this experience. If you need anything else, you can reach our support team through help.m1.com.
Lyell Griswold
December 27, 2023
Love the app. The trading allocation with pie slices, the savings account, borrow etc... The only bad part is the amount of UI changes and account changes in the last two years. Makes me feel like this is a short term/unstable platform. The new UI layout is trash on mobile. Does not load consistently and shows data from previous timeframes instead of the one you chose.
20 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.

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.