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Take control and personalize your finances. Invest, Borrow, and Spend seamlessly, all in one place. Sign up today.

You work hard for your money, so your money should work hard for you.
We’ve created next-generation, intelligent financial solutions so you can do exactly what you want with your personal finances.
The cherry on top? It’s free.

M1 Smart Money ManagementSM gives you the freedom to seamlessly build, invest, and optimize your money—the way you want.

Smart investing:
- Create your portfolio with any stock and/or ETF, for free
- Invest your money with intelligent automation

Smart borrowing:
- Unlock a flexible line of credit with just $10,000 invested
- Borrow money at one of the lowest rates in the market

Smart cash management:
- Access your money instantly with your M1 checking account
- Move money between investments seamlessly

Smartest perks:
- Get subscription level features and rewards
- 1.5% APY* checking (that’s 25x the national average APY for a checking account)
- 1% cash back on M1 Plus Visa™ debit card purchases
- 0.25% discount on M1 Borrow loan APR
- Unlock a second daily trading window for more control over your investments

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

M1 Holdings Inc. provides a range of financial services through its operating subsidiaries. M1 Finance LLC and M1 Spend LLC are wholly-owned subsidiaries of M1 Holdings Inc. and are separate but affiliated companies. By using this app, 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 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.


M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa™ Debit Card issued by Lincoln Savings Bank, Member FDIC.

*No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.


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.

© Copyright 2019 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 213 W. Institute Pl., Ste. 301; Chicago, IL 60610; United States

What’s New

Version 6.6.1

- NEW: Get exclusive access to an additional trading window in the afternoon when you upgrade to M1 Plus.

- NEW: M1 Spend, the checking account that seamlessly integrates with your investments. Sign up for M1 Plus to get access now, or check your account in a few weeks for updates.

Let us know what you think by leaving a review or contacting us at hello@m1finance.com.

Ratings and Reviews

4.7 out of 5
10.4K Ratings

10.4K Ratings

Yoo Jeong Han ,

Easy, Reliable, Intuitive

A beautifully designed app that lets you invest however much money you want in any stock. Given the ability to purchase fractions of stocks and to rebalance portfolios to reflect your desired weights, this app is my absolute favorite for long-term retail investing. No fees, easy and fast deposits AND withdrawals! For those of you who already tried other no-fee investment platforms, you would know that easy and fast withdrawals are very rare.

I must also say that I am very impressed with how reliable customer service is. The M1 team almost always responded to my emails the next day. Rarely they would take two days to get back to me. I never had to wait longer than two days. I am very satisfied with how M1 operates and if it is not evident already, highly recommend this app to all friends who are interested in long-term retail investing.


Worst customer Service, Total Scam

At first I heard lots of good things about M1 finance. Me and couple friends decided to invest little money and see how it works.. I opened an account and M1 finance also offered an early access option to M1 spend which sound really good. I paid for early access to checking account and I didn’t hear anything not even an email to update me on status of my account, I called the customer service number and I was told that oh submit 2 type of document and you should be good within 2-3 business days. Week passed no news, I called back and customer service like submit the documents in PDF format and again wait for 3-5 business days. Week passed no news no email or call or notification. I called again and they were like oh your address on utility bill doesn’t match your address in driver license which is B.S. they asked for bank statement I sent that and 3 days later I’m calling they said wait 3-5 more business days. If you call the customer service twice with same number they will hang up on you. They did it to me twice when I called and someone name John picked up the phone, the minute I told my name and the issue that I want to address he hanged up on me. When I sent an email all I get reply that check our features with M1 Plus and wait 3-5 business days. Looks like one auto reply for all. To me it looks like bunch of kids running this so called business M1.

bryan.y.yu ,

Beware! Thieves!

So I started an Roth IRA account not knowing that when I liquidate it wild cost me $100 no matter the account size. Anytime you are to liquidate your account(s) they will charge you $100 so this app really isn’t free and doesn’t provide you with a sense of security because I did not know about this $100 fee until I tired to liquidate everything from my IRA account I started with them so I could consolidate to my Fidelity account which is where most of my money is. I do not find this to be fair and it was not disclosed to me when I signed up so I liquidated my IRA and my regular accounts that I had with them and I will never do business with these crooks ever again. I just lost $100 from my IRA because I choose to consolidate my IRA accounts. On top of that, they would not let me withdraw my money as a IRA rollover. They said I had to choose “premature” and they would change it on their end so I don’t get taxed. I doubt they would do that because once a liar always a liar. I have reached out to them many times about this policy because not even bigger company’s like TD or Fidelity will charge you a fee for liquidating your account so why should this small no name company charge me $100? Stay away from them. They are crooks and unless they give me back my $100 this review will remain.


M1 Finance LLC
130.5 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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