M1 makes you feel empowered and knowledgeable about where your money is going.
– Brenda O.
HOW IT WORKS
Intelligent and intuitive
You choose where you want the money to go. We handle the rest.
Get Started
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
How it all fits together
Investing, borrowing and spending in one easy-to-use platform.
Borrow
Access a flexible portfolio line of credit, based on your investment. 
M1 Borrow available on margin accounts with a balance of at least $5,000. Not available for retirement, custodial, or trust accounts. Rates may vary.
Spend: Credit
Get up to 10% cash back
when you spend with select companies you invest in.
M1 Plus:
Add more to your M1
Exclusive features and rewards that help you earn more, access more and receive more perks and discounts.
Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up.
2.75% loans through M1 Borrow
Get our lowest rate for M1 Borrow.
Smart transfers
Set up automated ‘if, then’ rules and optimize your money across M1.
Custodial accounts
Start building long-term wealth for the children in your life.
Two trade windows
Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.
1% APY Checking
Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an entire year with a big bank.
1% Cash back
Earn 1% cash back on qualifying debit card purchases.
Send checks
Send physical checks without ever touching a pen.
$95 annual fee waived
Apply for a chance to earn 1.5%-10% cash back in credit card rewards. The $95 annual fee is waived with M1 Plus.
The nice part about investing with M1 is I can take out a low-cost loan on my portfolio. I don’t have to drain my investments for a large expense.
– Vikram B.
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
M1: THE FINANCE SUPER APP™
Total control, total automation. For your wealth today and tomorrow.
