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Love M1?

Your word
is worth a lot

It pays to spread the word. Pick a promotion and share your code to cash in on these referral bonuses.

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Choose how you earn

APY Boost

Share this invite with your two favorite people. You and your connection can get a 4.75% APY1 boost for 3 months. That’s our current rate of 4.25% APY1  + 0.50% APY.

Share APY boost

Up to 2 referral bonuses. Your boost applies to M1 High-Yield Cash or High-Yield Savings Account. Referral terms and conditions apply.

or

up to $750

Invest Bonus

Spread this Invest Bonus far and wide. If your connections join M1 and fund a brokerage account with at least $10,000, you’ll both get rewarded with a $75 invest bonus.

Share Invest boost

Up to 10 referral bonuses per year.  
Referral terms and conditions apply. 

Here’s how it works

Choose your referral link

Grab the code with the bonus you want: either APY Boost or Invest Bonus.

Share it with a friend

If they join M1 using your unique code and meet the referral requirements, you’ll both earn a bonus.

Keep spreading the word to earn

You earn an investment bonus up to 10 times. That’s an extra $750 to invest. 

Plus

You can earn 2 APY boosts total. That’s 6 months of a boosted APY.

Keep spreading the word to earn

You earn an investment bonus up to 10 times. That’s an extra $750 to invest. 

Plus

You can earn 2 APY boosts total. That’s 6 months of a boosted APY.

Your referral questions,
answered

Looking for more detail?
Visit the M1 help center.

There’s no limit to how many people you can refer, but there is a limit to how many bonuses you can earn. For the Invest Bonus, you can earn up to 10 referral bonuses per year (up to $750). For the APY Boost, you can earn up to two boosts total (3 months each, up to 6 months maximum). 

APY Boost requirements: Your connection must open a new High-Yield Cash Account using your unique referral link and deposit at least $1,000. That money can be deposited anywhere on the platform (High-Yield Cash Account, brokerage account, etc.) to qualify.  

Invest Bonus requirements: Your connection must open an investment account on M1 using your unique referral link and deposit at least $10,000. That money can be deposited anywhere on the platform (High-Yield Cash Account, brokerage account, etc.) to qualify. 

No. The APY boost applies to your High-Yield Cash Account or your High-Yield Savings Account, depending on which account you have. Your connection will be able to open a High-Yield Cash Account.  

Yes, if you refer different people. You cannot earn more than one referral bonus (APY Boost and Invest Bonus) per referral.   

No. However, they can refer their friends and earn additional referral bonuses.  

1 Obtaining stated APY (annual percentage yield) or opening the M1 High-Yield Savings account or M1 High-Yield Cash Account does not require a minimum account balance. Stated APY is accrued on account balance and solely determined by M1 Finance, LLC and its partner banks, and will include administrative fees. Account fees for each account type may reduce earning. Rates are subject to change without prior notice. M1 High-Yield Cash Account and M1 High Yield Savings Accounts are separate offerings, with varying insurance coverage, and are not linked accounts. M1 High-Yield Cash Accounts are offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.

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. 

2Account 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  

3Payment 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.    

Exclusions:

If you are a member of another FINRA member firm or an employee of M1 and its affiliates, 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. 

You must agree to the following terms and conditions in order to be eligible for this Promotion. These M1 High-Yield Cash Account Referral Program Terms and Conditions are in addition to your existing M1 Brokerage Customer Account Agreement and/or your M1 High-Yield Savings Account Terms and Conditions, where applicable. 

M1 Earn Referral Program | How It Works* 

Promotion Terms & Conditions

Promotion Start Date: September 4, 2024

  • You (the referrer) must have an active M1 account 
  • In order to receive the 0.50% APY1,2 boost, You as the referrer must have either a funded (i) M1 High-Yield Cash Account; or (ii) M1 High-Yield Savings Account (or both).  
  • You must send your unique ‘Earn’ referral link to a friend who is not an M1 customer.  
  • Your friend must use your referral link to sign up for a new M1 High-Yield Cash Account. 
  • Your friend must be approved to open an M1 High-Yield Cash Account 
  • Your friend must successfully fund their M1 account with at least $1,000 in aggregate within 30 calendar days from New-User Signup Date (see below) 
  • Then you will receive a 0.50% APY1,2 Boost for 3 months on all available funds within your High-Yield Cash Account and/or High-Yield Savings Account1 

How Does Your Friend Use Your Unique M1 Referral Link?  

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

Where Can You Find Your Referral Link?

  • Login to your M1 account 
  • Find your unique ‘Earn’ referral link on the referral promotion banner, either on the home tab or the Earn tab 
  • Share your unique ‘Earn’ referral link with a friend 

You can return to your account page at any time to locate your unique ‘Earn’ referral link. 

*Important Terms and Conditions

If the conditions of this Promotion are satisfied, you will be eligible to receive an APY1,2 Promotional Boost (defined below) on your M1 High-Yield Cash Account(s) (“Cash Account”) and your M1 High-Yield Savings Account (“HYSA”). However, your friend is only permitted to receive any APY Promotional Boost on their new Cash Account(s), as M1 does not offer new HYSA accounts at this time. Furthermore, you and your friend will receive a one-time 0.50% APY increase over the then-applicable standard APY12 (a “APY Promotional Boost”) on the aggregate balance of your respective Cash Account(s), and your HYSA (if applicable), for up to three (3) months, only if your friend (i) explicitly uses your unique ‘Earn’ referral link to open a new M1 account, (ii) successfully opens a Cash Account, and (iii) funds their M1 account within thirty (30) calendar days of New-User Signup Date with at least $1,000 in aggregate on the M1 Platform (“Minimum Amount”). “New-User Signup Date” means the date your friend has successfully submitted a valid email and password to create an M1 user login. You and your friend will receive the APY Promotional Boost within 24 hours following the first day on which your friend funds their M1 account (e.g., Cash Account) with the Minimum Amount, with such APY Promotional Boost valid for a period of three (3) months from such Minimum Amount funding date (the “Boost Reward Period”).  The APY Promotional Boost applies only to your Cash Accounts and/or HYSA, in aggregate, within your M1 account (up to 4 individual, and 1 joint** Cash Account). The APY Promotional Boost applies only to your friend’s Cash Accounts, in aggregate within their account (up to 4 individual, and 1 joint** Cash Account). In addition to the then-standard APY, the APY Promotional Boost will accrue daily on funds within the applicable Cash Account (or HYSA), and any interest earned will be paid into the applicable Cash Account/HYSA on or around the end of each eligible calendar month. Interest accrued as a result of the APY Promotional Boost may not be separately identified within the applicable account, and payment of such accrued interest may occur in a single transaction. 

The APY Promotional Boost during the Boost Reward Period cannot be paused or extended for any reason whatsoever. If, during your Boost Reward Period, you close your Cash Account/HYSA at any time, or transfer all funds out of your Cash Account/HYSA, you will forfeit the remainder of your APY Promotional Boost on such closure or transfer date. If, during your friend’s Boost Reward Period, your friend no longer maintains the Minimum Balance or closes their Cash Account at any time, your friend will forfeit the remainder of their APY Promotional Boost on such date. During the applicable Boost Reward Period, the total amount you/your friend can earn through the Promotion will vary based on any changes to the total balance in the applicable Cash Account/HYSA and/or any changes to either the standard APY or APY Promotional Boost rates (or both) for Cash Accounts/HYSA. M1 may, in its sole discretion, change the APY standard and/or the APY Promotional Boost rates at any time, during the Promotion or otherwise, without notice to you.  

** Joint Cash Accounts are eligible for this Promotion only if the previously mentioned criteria is successfully met. In addition, a joint Cash Account must have at least one (1) eligible client under this Promotion, but any joint Cash Account is permitted only to have a single APY Promotional Boost applied at any time. Any eligible client may earn the APY Promotional Boost one (1) time on both their joint and individual Cash Accounts, respectively. Conversely, an eligible client that is earning the APY Promotional Boost solely based on having a joint Cash Account with another eligible client, where such client has already satisfied these applicable Promotion requirements, will not be eligible to earn the APY Promotional Boost on any of their individual accounts (existing or otherwise).  

As the referrer for this Promotion, You are only permitted to receive up to two (2) APY Promotional Boosts on either your HYSA or Cash Account (or both, if applicable), and only if the above-mentioned conditions have been met by two different friends with separate accounts. In the event you are eligible for two (2) APY Promotion Boosts, each boost will apply sequentially (e.g., 0.50% for 3 month period, and then another 0.50% for the subsequent 3 month period). After two successful referrals, your unique referral code may still be shared with other friends, but you are prohibited from receiving any additional APY Promotional Boosts. 

M1 reserves the right to modify or terminate this Promotion at any time without notice. M1 has no obligation to open a Cash Account for any particular person, regardless of that person’s participation in any promotional program, and may accept or reject an application in its sole discretion. All eligibility decisions shall be made by M1 in its sole discretion. Without limiting the foregoing, M1 shall have sole discretion to determine whether to disqualify any person from receiving an APY Promotional Boost or otherwise participating in the Promotion for any reason, including but not limited to, if M1 determines, in its sole discretion, that fraudulent activity or a violation of the terms of this Promotion, M1 Terms of Use, and/or any applicable account agreement may have occurred, or if inaccurate or incomplete information was provided in opening the account. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet the requirements herein. In the event M1 disqualifies an APY Promotional Boost after interest has begun to accrue, M1 reserves the right to recapture the amount of interest attributable to the APY Promotional Boost to the maximum extent permitted by law (e.g., recapturing paid interest from any M1 account). All federal, state, and local taxes and any related fees and expenses are the sole responsibility of the client.  

EXCLUSIONS:

If you are a member of another FINRA member firm, you are ineligible from receiving any monetary bonus for referrals to M1. Employees of M1 and its affiliates are not eligible to receive an APY Promotional Boost. Clients that qualify for an APY Promotional Boost are not eligible for any other APY Promotional Boost promotions offered by M1 or its affiliates. M1’s marketing affiliates are excluded from participating in this Promotion, and are prohibited from receiving any referral payout and sending any referral link (including but not limited to, from use on public platforms). Any new client who creates a new M1 account without using their friend’s unique ‘Earn’ referral link will be disqualified from this Promotion. Any new client may only participate in a single referral promotion at anytime.  

This promotion is non-transferrable. Promotion available only to consumers 18 years or older who are U.S. citizens or certain eligible legal U.S. Residents. 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.  

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

1 Obtaining stated APY (annual percentage yield) with the M1 High-Yield Savings Account does not require a minimum account balance. Stated APY is accrued on account balance. APY is solely determined by M1 Spend LLC and its partner banks, and will include account fees that will reduce earnings. Rates are subject to change without notice. M1 High-Yield Savings Account is a separate offering from, and not linked to, the M1 High-Yield Cash Account offered by M1 Finance, LLC. M1 is not a bank.  

2 Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.