M1: The Finance Super App™

Invest, borrow, and spend on one intuitive platform. Customize your strategies, automate the big picture, and let The Finance Super App® take care of the day-to-day—commission-free.

Home screen in M1's Mobile Application

Modern tools to help you build your wealth


M1 investment pie sliced up with a total of $87,113.42 in the account.

Commission-free, automated, and deeply customizable investing

More about Invest →


Borrow Screen Widget Tile

Access a flexible line of credit with a few taps at just 5% interest. 3.5% with Plus.3

More about Borrow →


M1 Debit Card

Free digital checking. Get 1.30% APY4 with M1 Plus.

More about Checking →


M1 Owner's Rewards Card

Earn up to 10% cash back5 with the Owner’s Rewards Card: the credit card for investors.

More about Credit →

Our philosophy for long-term investing

Fewer Fees

Because every dollar you don’t pay in management fees is one you can invest in yourself.

Smarter Tools

Because your time is as valuable as your money. You make the choices that are right for you, we handle the rest.

Wiser strategies

Because you believe that building long-term wealth isn’t achieved by day-trading or neglected retirement accounts.

Add more to your M1

Exclusive features and rewards that help you potentially earn more, access more, and receive more perks and discounts.

Your first three months are free.7 There’s no catch, and it only takes a moment to sign up. 

Up to 10% cash back

Apply and use the Owner’s Rewards Card by M1 as an M1 Plus member and we’ll waive the annual credit card fee. Earn 1.5%-10% back at huge brands.6

1.30% APY checking

Earn 43x the national average APY for a checking account. That’s more in 2 weeks than a year at a big bank.4

3.5% loans through M1 Borrow3

Borrow on margin at our lowest rate, and one of the lowest on the market.

Custodial accounts

Build long-term wealth for the next generation.

Account protection
with peace of mind


Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

FDIC logo

M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.

M1 Finance logo

We are a technology-first company that utilizes the latest in information security.

Recognized and Celebrated

investors icon

Hundreds of thousands of investors

5 star rating icon

35,000 5-star reviews

(App Store and Google Play)

Investopedia Logo

Best for sophisticated investors

(Investopedia, 2022)

Money Magazine Logo

One of the best robo-advisors

(Money, 2021)

Dark blue Yahoo logo

Best free trading platform

(Yahoo, 2021)

The Ascent a Motley Fool Service with the jester hat logo

Best for investing and banking in one

(The Ascent, 2021)

Total control, total automation for
your wealth today and tomorrow

Three phones in a row each displaying different dashboards from the M1 app.

1 Source: https://apps.apple.com/us/app/m1-finance/id1071915644 

2 Source: https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US 

3 M1 Borrow available on margin accounts with a balance of at least $2,000. Not available for retirement and custodial accounts. Rates may vary.

4 No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY as of June, 2022. Obtained from the FDIC.

5 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month.

6 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 for more details. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month.

7 Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (Free Trial). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125.00 unless you cancel under your Membership details in the M1 Platform.