Share M1, get $100, repeat.

Refer your friends and family, coworkers and neighbors, and anyone who could use M1 to earn unlimited $100 bonuses to invest for everyone that signs up for M1 Invest and deposits their first $5,000 within 30 calendar days of their account opening.

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Refer a friend.
Get $100.

How to earn (and share) unlimited $100 bonuses.

1. Share your code with a friend/family/coworker/neighbor/etc.

2. Your friends create an Invest account and deposit $5,000 within 30 calendar days of account opening. 

3. You both get $100 to invest as you chose.

4. Repeat

That’s it, easy as Pie! The best part? You can make unlimited referrals and earn each time! Just keep the money in the account for 30 calendar days and you’ll both receive your bonuses 7-14 business days later. 

See the details →

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Why your forward-thinking friends will love M1

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Fewer fees

M1 is commission free. For a complete list of fees, visit Referring a friend will help them save money on fees that’s better off invested.

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Smarter tools

Our platform empowers your referrals to take control of their investments and build long-term wealth.

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Wiser strategies

We’re here for the long-haul. Sustainable wealth isn’t achieved by day-trading or neglected retirement accounts.

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Give friends a boost

When you refer your friends to M1, you give them the opportunity to build a better future with their personalized investing strategy. Plus, our automated tools help them make their money moves—for free. 

Recognized and celebrated

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Hundreds of thousands of investors

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5-star reviews

(App Store4 and Google Play5)

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Best for sophisticated investors

(Investopedia, 2022)

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One of the best robo-advisors

(Money, 2021)

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Best free trading platform in 2021

(Yahoo, 2021)

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Best for investing and banking in one

(The Ascent, 2021)

M1 Referral Program | How It Works1

Terms & Conditions

Promotion Period: 7:00 a.m ET on January 4, 2023 to 11:59 p.m ET on December 31, 2023:

  • You must have a funded M1 Invest account.
  • You must send your referral code to a friend who is not currently an M1 customer.
  • Your friend must use your referral code to sign up for a new M1 invest or retirement account.
  • Your friend must be approved to open an M1 brokerage account.
  • Your friend must deposit at least the minimum required amount2 into a brokerage or a retirement account within 30 calendar days of opening their M1 account.
  • Your friend must maintain their initial deposit amount in their account for 30 calendar days.
  • Then you’ll both receive $100.


If you receive $100 from this promotion, you will no longer be eligible to receive a promotional credit from the New Customer Deposit Promotion.

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.

How Does Your Friend Use Your Unique M1 Referral Link?

  • Send your unique M1 Referral Link to your friend via email or text.
  • Have your friend click on your unique M1 Referral Link and create an account.
  • Once your friend is approved to open a brokerage or retirement account, they must fund it with at least the minimum required amount1.
  • Your friend must maintain their initial deposit amount in their new account for 30 calendar days from the date of deposit.

Note: Referral bonus can only be paid into an open Payment Account3 (non-retirement).

How Do You Both Get Paid?

You will receive a $100 referral bonus in your Payment Account within 14 business days of your friend successfully opening an M1 account and funding it for the full 30 calendar day period. Your friend will also receive their $100 referral bonus in their Payment Account within 14 business days of successfully opening an M1 account with your unique referral link and funding it for the full 30 calendar day period.

The $100 promotional amount can be found under Settings>Promotions. You might see that the promotion was successful before the credit has been applied to your Payment account.

Once credited, you will see a $100 Promotional Credit in Activity.

1Important Terms and Conditions

This referral offer is valid only for new M1 account users during the Promotion Period (the “M1 Referral Program”). Please send your unique referral code only to people who you know personally and who will be glad to get it. To qualify for the $100 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) 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 account approval and maintain that initial deposit amount for 30 calendar days.

Your participation in the M1 Referral Program is subject to the following:

Through the M1 Referral Program you will invite family and friends to sign-up for an M1 account by sending them an invitation with a provided link and disclosure, and your efforts in soliciting clients to M1 will be limited to this activity. 

For each “Qualifying New Account” M1 will pay you $100 to your M1 Payment Account. A “Qualifying New Account” is a new, individual M1 account opened by your referee, using your unique referral link, which your referee funds with at least the Account Opening Minimum Amount into an account and maintains that initial deposit amount for 30 calendar days. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account. 

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. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1. 

2 Account Opening Minimum Amount

Account Type:

  • Individual – $5,000
  • Joint – $5,000
  • Custodial – $5,000
  • Trust – $5,000
  • Retirement (Traditional, Roth, or SEP IRA) – $5,000

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.

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

Without a valid Payment Account, you will not be able to receive referral bonuses.

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.

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