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Your word is worth a lot

Get a $75 bonus when you refer a friend to M1

Share your referral code with a friend who signs up and and funds their account with $10,000 and you could both earn a $75 invest bonus. Referral terms and conditions apply. 

Refer a friend
Refer a friend

How to earn a bonus

Roll over step 1

Copy your referral code from the M1 app:

Get your code

Roll over step 2

Share it with friends or family

and tell them what you like about M1!

Roll over step 3

You both get $75 investment bonuses

after they sign up and fund a new M1 invest account with $10,000

Have someone in mind?

M1 Referral Program | How It Works1  

Terms & Conditions For M1 Invest Referrals       

Promotion Period: March 27, 2024 to December 31, 2024 

  • You must have a funded M1 brokerage account.    
  • You must send your Referral Link to a friend who has never been an M1 customer. 
  • Your friend must use your Referral Link to sign up for a new M1 brokerage or retirement account.    
  • In order for you and your friend to receive the $75 referral bonus, your friend must: 
    • (i) be approved to open an M1 brokerage or retirement account; and 
    • (ii) deposit at least the Account Opening Minimum Amount2 into a brokerage or a retirement account within thirty (30) calendar days of their New User Sign- up Date+ ; and 
    • (iii) maintain their initial funding amount of at least the Account Opening Minimum Amount2 in their account for an additional 30 calendar days after such funding.       
  • Your Referral Link can earn you a cumulative of ten (10) referral bonuses within any calendar year 

How Does Your Friend Use Your Unique M1 Referral Link?   

  • Send your unique M1 Referral Link to your friend. 
  • Have your friend click on your unique M1 Referral Link and create an account.   

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.  

1Important Terms and Conditions  

Bonus: $75 cash for both you and your friend  

You will receive a $75 referral bonus in your Payment Account3 within 14 business days of your friend successfully opening and funding an M1 account (brokerage or retirement) using your unique Referral Link within 30 days of New User Sign-up Date with such funding of at least the Account Opening Minimum Amount2 maintained in the account for 30 calendar days thereafter. Your friend will also receive their $75 referral bonus in their Payment Account within 14 business days of successfully opening and funding an M1 account (brokerage or retirement) using your unique Referral Link within 30 days of New User Sign-up Date with such funding of at least the Account Opening Minimum Amount2 maintained in the account for 30 calendar days thereafter. Any bonus money to be paid to you and your friend can only be paid into an open Payment Account3 (non- retirement). 

The $75 referral bonus can be found under Settings>Promotions. Referral bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). 

Once credited, you will see a $75 Promotional Credit in Activity. 

Any bonus money paid to you and/or your friend must remain within your/their M1 account for a holding period of 90-days subsequent receipt of bonus payment. Bonus money may be invested or held in cash, but cannot be withdrawn or transferred externally during the 90-day holding period. In the event of any withdrawal or external transfer request of the bonus money during the 90-day holding period, you hereby relinquish the bonus payment prior to assets being transferred.  

Referral Bonus limits per year: You, as the referrer sending your Referral Link, can earn a cumulative of ten (10) referral bonuses within any calendar year under these referral programs. Any use of your Referral Link thereafter will not be restricted, however, no promotional payment will be paid to you. M1 reserves the right to, at any time, limit or change the maximum number of times a Referral Link can be used without prior notice. 

+New User Sign-up Date” shall mean the first day you (or your friend) submit(s) a valid email and password to create a user login at M1. 

2 Account Opening Minimum Amount 

Account Type: 

  • Individual – $10,000 
  • Joint – $10,000 
  • Custodial – $10,000 
  • Trust – $10,000 
  • Retirement (Traditional, Roth, or SEP IRA) – $10,000  

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. It is solely your and your friend’s responsibility to open a valid Payment Account, and without a valid Payment Account, you will not be able to receive referral bonuses. 

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

Additional Information, Terms and Exclusions:  

This referral offer is valid only for new M1 account users during the Promotion Period (the “M1 Referral Program”). Please send your unique Referral Link only to people who you know personally and who will be glad to get it. To qualify for the $75 M1 Invest 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), be approved to open an M1 brokerage or retirement account (in M1’s sole discretion), 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 New User Sign-up Date and maintain such funding amount for 30 calendar days thereafter.    


If you are a member of another FINRA member firm, you are ineligible from receiving any monetary bonus for referrals to M1.  

M1’s marketing Affiliates are neither eligible to participate in this Referral Program, to use Referral Links, nor receive referral payouts (including but not limited to, from use on public platforms). New users who sign up via affiliate links (e.g., via social media) are not eligible to receive the referral bonus offered under this promotion. However, such users will remain eligible for any other promotions or offers extended to new clients by M1 Finance, including but not limited to deposit promotions. 

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, and your efforts in soliciting clients to M1 will be limited to this referral activity. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet conditions for either Bonus reward. You must comply with all applicable laws and regulations, in soliciting referrals. Referral Links should be utilized for friends and family only. Eligible referrers may not purchase internet search terms or publicly advertise M1’s products or name in any fashion. Further, any distribution of a Referral Link that could constitute unsolicited commercial email or “spam,” or any content which impersonates or implies an affiliation with or endorsement by M1 or any M1 subsidiary are prohibited and will be grounds for immediate termination from these Referral Programs. We will not honor referral bonus payments for referrals which are generated using any of the foregoing means. 

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.