M1: The Finance Super AppTM

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. Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees

Home screen in M1's Mobile Application

Get up to $4,000 when you transfer

Until November 30, transferring $50,000+ from another brokerage can earn you money to invest with M1.

Unified financial tools to help you build wealth

Invest

Invest pie showing an account balance of 87,113 dollars and 42 cents

Commission-free Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees , automated, and deeply customizable investing. 

More about Invest →

Borrow

Borrow Screen Widget Tile

Access a flexible line of credit with a few taps at just 7.25% interest. 5.75% with M1 Plus.3

More about Margin Loans →

Checking

M1 Debit Card

Digital checking built for long-term growth.4 Get 3.00% APY5 with M1 Plus.

More about Checking →

Credit

M1 Owner's Rewards Card

Earn up to 10% cash back6 with the Owner’s Rewards Card: the credit card for investors.

More about Credit →

How we stack up

M1 provides greater automation, better checking, lower margin rates, and more flexibility to manage your finances how you like.

Automation
M1 Logo
Dynamic Rebalancing, Investing schedules, Smart Transfers7
Vanguard
Yes, and only with Digital Advisor and associated fees and minimum investments
Schwab
Only available with Intelligent Portfolios®
Fidelity
Only available with hybrid robo advisor
Merrill Lynch
Only available with advisor
Fractional Shares
M1 Logo
Yes, on stocks and ETFs8
Vanguard
No
Schwab
Yes, only on S&P 500 stocks®, minimum $5 investment
Fidelity
Yes, only available on mobile app
Merrill Lynch
No
Margin Rates
M1 Logo
5.75% – 7.25%3
Vanguard
9.00% – 12.25%
Schwab
10.325% – 12.075%
Fidelity
7.75% – 12.075%
Merrill Lynch
Must call Merrill Lynch for current rates 
Digital Banking
M1 Logo
Yes, 3.00% APY5 and 1% cash back with M1 Plus9
Vanguard
No
Schwab
Yes, 0.40% APY
Fidelity
Yes, 1.58% APY
Merrill Lynch
Yes, 0.01%–3.46% for larger balances. Only with Merrill Lynch Advisors. 
Fees
M1 Logo
Commission-free, Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees M1 Plus is $125 /Year
Vanguard
Commission-free, but some options carry fees
Schwab
Commission-free, but some options carry fees
Fidelity
Commission-free, but some options carry fees
Merrill Lynch
Commission-free, but advisory services carry annual fees.

Thousands of clients have brought assets to M1 to the tune of $2.1 billion.

M1 rates are current as of November 2022. Information on competing brokerages was accessed from each brokerage’s website in November, 2022.

M1 plus logo

M1 Plus:
Add more to your M1

Premium members earn more and access exclusive features across the platform.

Product mockup of M1 Plus benefits

5.75%

APR
Margin Loans3

3.00%

APY
checking5

More trading

flexibility

How we protect
your accounts

SiPC

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.

lock

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

Recognized and celebrated

Hundreds of thousands trust us with Information as of September 21, 2022

$5.5 billion AUM

Over 50,000

5-star reviews1 2

investopedia logo

Best for sophisticated investors 
(Investopedia, 2022)

Money logo

One of the best robo-advisors 
(Money, 2021)

Yahoo! logo

Best free trading platform 
(Yahoo, 2021)

The Ascent logo

Best for investing and banking in one (The Ascent, 2021)

Total control. Total automation.

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

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

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

3 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.

4 M1 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC. 

5 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 0.04% APY as of September, 2022. Obtained from the FDIC.

6 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Standard Purchase APR ranges from 17.24% – 27.24% based on creditworthiness of the applicant. APR will vary with the market based on the Prime Rate. There is no Annual Fee for the Owner’s Rewards Card. Rates as of August 3, 2022.

7 Smart Transfers feature is only available with M1 Plus.

8 If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash. M1 is not a bank.

9 Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.