Deposit $1,000.

Get $30.

1. Open a new M1 account.

2. Deposit $1,000 or more in your Invest account during your first 14 days.

3. Get a $30 bonus.

That’s it! Easy as Pie. You will receive your bonus within 7-14 days of your deposit.

See the details →

Yours to build

You know your goals, and you know how you want to get there. It’s time to choose a financial platform that lets you customize what counts and automate what clutters.


Build your portfolio how you want.


Diversify with fractional shares.


Schedule contributions and rebalance with one click.


Borrow from your investments at 2-3.5% APR. info icon

See details

The M1 Plus advantage


Use Smart Transfers to move your money to the right places at the right times—automatically. 


Earn 1% APY* when you save and 1% cash back when you spend. info icon


Tap into a portfolio line of credit at just 2% APR and use the funds for anything you like. info icon


Get two opportunities to invest every day: in the morning or in the afternoon.

+ Typically $125/year. See details →

What our clients say

M1 makes you feel empowered and knowledgeable about where your money is going.

Brenda O.

M1 Borrow’s flexibility, convenience, speed and ultra-low interest rate (especially for M1 Plus members) can’t be beat.

Adam T.

It is truly the best of both worlds: the choice of securities like traditional brokers as well as the automation of modern robo-advisors.

Michael M.

May not be representative of the experience of other customers. Not a guarantee of future performance or success.


investors who opened accounts


5-star reviews on the App Store and Google Play


Investopedia, 2020


GOBankingRates, 2019

Account protection with peace of mind

Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.

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

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

Powerful investing, personally designed

See Details

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

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.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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