Holiday shopping? Earn extra with M1 Plus

Get 5% cash back on retail purchases this holiday season when you shop using your M1 Spend debit card. Must be an M1 Plus member to participate.

Yours to build.

Join 500,000 investors who automate their finances with M1.

With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending. The cherry on top? It’s free.

Learn more about our mission


(More than 27,000 ratings)

Manage and grow your money, the way you want

M1 Smart Money Management gives you choice and control of how you want to invest, borrow, and spend your money—with available high-yield checking and low borrowing rates.


Invest for $0

Use intelligent automation to invest in a portfolio of stocks and ETFs, for free.

Borrow at 3.5%

Access your flexible portfolio line of credit with just $10,000 invested.


Access your cash and spend with an M1 checking account and debit card.


Invest for $0

Get more flexibility: Invest in the morning, in the afternoon, or both. info icon

Borrow at 2%

Unlock an even lower rate with a 1.5% reduction of our standard base rate.

Spend and earn 1%

Earn 1% cash back when you spend and 1% APY when you don’t. info icon

Learn more →

What our clients say

Fractional shares, auto-rebalancing, and it’s absolutely free to use!

Matt G.

M1 Borrow’s flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus members) can’t be beat.

Adam T.

I’m excited for M1 Spend because I can use it as an emergency fund, capital deployment, or both.

Christopher P.

May not be representative of the experience of other customers. Not a guarantee of future performance or success.

Account protection with peace of mind

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 FDIC insurance.

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

Total control, total freedom.

Be invested.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

By using this website, 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 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks, and you should  learn more  before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, and tax advisors.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is 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.
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