Spread the word. 
Share the wealth.

Earn a bonus every time you refer someone in your circle to M1. If they open an investment account and deposit $5,000 within 30 days of account opening, you both get a $100 investment bonus.

You must have an active M1 account to make a referral. To open an account, click here.

Your bonus:


Their bonus:


Referral cap:


Total referral bonuses awarded by M1:

$4,100,000 + 

Here’s how referral bonuses work

Refer a friend product screen

1. You share your unique referral code with a friend, family or coworker — anyone in your circle that would love M1 as much as you do. 

2. Your connection opens an M1 Invest account and deposits at least $5,000 within the first 30 days. 

3. As a thank you, we’ll give you an extra $100 to invest — and we’ll give your connection $100 to invest, too.

4. Keep sharing your code to earn more bonuses. There’s no limit to how many you can get.  

Note: After the money is in your connection’s account for 30 days, you’ll both receive your bonuses 7-14 business days later. See terms and conditions.

M1 Referral Program | How It Works1

Terms & Conditions

Promotion Period: January 4, 2023 to December 31, 2023:

  • You must have a funded M1 Invest account. 
  • You must send your referral code to a friend who is not currently an M1 customer. 
  • Your friend must use your referral code to sign up for a new M1 invest or retirement account. 
  • Your friend must be approved to open an M1 brokerage account. 
  • Your friend must deposit at least the minimum required amount2 into a brokerage or a retirement account within 30 calendar days of opening their M1 account. 
  • Your friend must maintain their initial deposit amount in their account for 30 calendar days. 
  • Then you’ll both receive $100. 


If you receive $100 from this promotion, you will no longer be eligible to receive a promotional credit from the New Customer Deposit Promotion.

Where Can You Find Your Referral Link?

  • Open your Invest screen (mobile) or click on your name (web)
  • At the top right hand corner click on the silhouette (app) or your name (web)
  • Click “Refer & Earn” (this will only be visible if your account is funded)
  • Sign up and choose your Payment Account3
  • Share your unique referral link with a friend

You can return to the referrals page at any time to locate your unique referral link. 

How Does Your Friend Use Your Unique M1 Referral Link? 

  • Send your unique M1 Referral Link to your friend via email or text. 
  • Have your friend click on your unique M1 Referral Link and create an account. 
  • Once your friend is approved to open a brokerage or retirement account, they must fund it with at least the minimum required amount.1 
  • Your friend must maintain their initial deposit amount in their new account for 30 calendar days from the date of deposit. 

Note: Referral bonus can only be paid into an open Payment Account3 (non-retirement).

How Do You Both Get Paid?

You will receive a $100 referral bonus in your Payment Account within 14 business days of your friend successfully opening an M1 account and funding it for the full 30 calendar day period. Your friend will also receive their $100 referral bonus in their Payment Account within 14 business days of successfully opening an M1 account with your unique referral link and funding it for the full 30 calendar day period.

The $100 promotional amount can be found under Settings>Promotions. You might see that the promotion was successful before the credit has been applied to your Payment account.

Once credited, you will see a $100 Promotional Credit in Activity.

1Important Terms and Conditions

This referral offer is valid only for new M1 account users during the Promotion Period (the “M1 Referral Program”). Please send your unique referral code only to people who you know personally and who will be glad to get it. To qualify for the $100 referral bonus, referred family and friends must sign up during the Promotion Period (e.g., no later than 11:59 p.m. ET on the last day of the Promotion Period) and make an initial deposit of at least the minimum required amount into a brokerage or retirement account (“Account Opening Minimum Amount”)2 within 30 calendar days of account approval and maintain that initial deposit amount for 30 calendar days.

Your participation in the M1 Referral Program is subject to the following:

Through the M1 Referral Program you will invite family and friends to sign-up for an M1 account by sending them an invitation with a provided link and disclosure, and your efforts in soliciting clients to M1 will be limited to this activity. 

For each “Qualifying New Account” M1 will pay you $100 to your M1 Payment Account. A “Qualifying New Account” is a new, individual M1 account opened by your referee, using your unique referral link, which your referee funds with at least the Account Opening Minimum Amount into an account and maintains that initial deposit amount for 30 calendar days. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account. 

This promotion is not valid with any other offers and is non-transferrable. M1 Referral Program offer available only to consumers 18 years or older who are U.S. citizens or certain eligible legal U.S. Residents. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any terms of the M1 Terms of Use or Account Agreement have been violated or these terms and conditions have been violated. In referring friends to open an M1 account you are acting on behalf of M1 and under the supervision and control of M1. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1. 

2 Account Opening Minimum Amount

Account Type:

  • Individual – $5,000
  • Joint – $5,000
  • Custodial – $5,000
  • Trust – $5,000
  • Retirement (Traditional, Roth, or SEP IRA) – $5,000

3 Payment Accounts

Referrals and other promotional credits are deposited into your designated “Payment Account”. A Payment Account must be an individual or joint brokerage account (funding not required). A Payment Account cannot be a retirement account. Both you and anyone you refer will be required to have a Payment Account to receive the referral bonus.

If you have more than one taxable account, you can change the Payment Account at any time from Settings>Payment.

Without a valid Payment Account, you will not be able to receive referral bonuses.

Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

The M1 Referral Program is only available through 11:59 p.m. ET on the last day of the Promotion Period. M1 is the sole and official timekeeper.

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

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