YOUR BRAINS, OUR BRAWN 

We didn’t make the Finance Super App for day trading or set-it-and-forget-it investing. Bring your expertise to our platform for strategic, long term growth—elevated with automation and customizable to suit your goals.

FREE TO USE
No management fees whatsoever. 

PERSONALIZED
Build a portfolio of stocks and ETFs how you want. 

FLEXIBLE
Diversify with fractional shares. 

POWERFUL
Schedule contributions and rebalance with one click. 



GET UP TO $2,500 WHEN YOU SWITCH TO M1 

Transferring securities to M1 from another brokerage account is simple. Plus, see how much you could earn. 


ACCOUNT TRANSFER SIZE
YOUR BONUS

$100,000 – $249,999.99

$250

$250,000 – $499,999.99

$500

$500,000 – $999,999.99

$1,000

$1,000,000 +

$2,500





GET THE BEST M1 HAS TO OFFER

By signing up for M1, you’ll automatically qualify for a FREE year of M1 Plus (a $125 value). You’ll have access to our best perks, features, and discounts that can help you push your money further. 

There’s no catch. Sign up in seconds and change your membership settings anytime. 

M1

M1 BASIC

  • $0 management fees
  • AM trade window
  • Automate your investing with scheduling and Dynamic Rebalancing
M1

M1 PLUS

  • $0 management fees
  • AM or PM trade windows info icon
  • Smart Transfers use ‘if, then’ rules to optimize your money across M1

BEYOND BRILLIANT INVESTING

The Finance Super App™ can do more than just automate your market moves. When borrowing or spending, M1 Plus gives you the best bang for your buck. 


SPEND

Accept direct deposits, transfer funds, and spend with the M1 Spend Visa® debit card.  

Plus members get 1% APY info icon , 1% cash back, and can send checks. 

BORROW 

Tap into a portfolio line of credit at just 3.5% and use the funds for anything you like. 

Plus members borrow at just 2%. info icon 


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) can’t be beat.

Adam T.

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

Joy W.


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

RECOGNIZED AND CELEBRATED


HUNDREDS OF THOUSANDS OF INVESTORS

35,000+ 5-STAR REVIEWS

(App Store and Google Play)

Investopedia logo

BEST FOR SOPHISTICATED INVESTORS

(Investopedia, 2021)

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ONE OF THE BEST
ROBO-ADVISORS

(Money, 2021)

BEST FREE TRADING PLATFORM IN 2021

(Yahoo, 2021)


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.

POWERFUL INVESTING, YOUR WAY

Transfer a brokerage account to M1 and earn up to $2,500*

Transfer a brokerage account or IRA to M1 and earn up to $2,500. Here’s how to get started:

  1. Get a copy of a recent account statement from your brokerage.
  2. Ensure you have an account open at M1 that matches the account type you’re transferring (e.g. if you are transferring securities from a joint brokerage account, you’ll need a joint brokerage account open at M1)
  3. Submit a transfer request from another brokerage account within the first 60 days as an M1 client. Click here to get started.

*TERMS AND CONDITIONS

Beginning June 1, 2021, this ACATS promotion offer applies to direct account transfers (from participating brokerages) initiated within the first 60 days of becoming an M1 client (“ACATS Transfer Promo”). Any ACATS Transfer Promo payments for eligible transfers will be paid 150 days after the client’s sign-up date with M1. Client sign-up date is defined as the day a new client submits a valid email and password creating a user login for M1 Finance. This ACATS Transfer Promo offer is valid only for direct broker transfers received through the Automated Customer Account Transfer Service (“ACATS”). This offer is non-transferable, and not valid with any of the following: internal transfers, ACH deposits (bank transfers), wire transfers, direct 401(k) rollovers, or in conjunction with other promotional offers M1 Finance or may offer from time to time.

Cryptocurrency is not eligible for ACATS. Additionally, any security transferred via ACATS that is not traded by M1 will be liquidated, including but not limited to Mutual Funds and Over-The-Counter securities.

The ACATS Transfer Promo amount (see table below) will be based on the aggregate value of all brokerage accounts or IRAs transferred within the initial 60 days of new client sign-up date. The aggregate account value is determined as the current market value of all holdings and cash on the day the transfer is completed. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) at time of ACATS Transfer Promo pay out1. M1 Finance may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

The Promotional Credit amount1 will be based on the aggregate value of all brokerage accounts or IRAs transferred within the same 60 day period (the “Account Value”). The Account Value is determined as the current market value of all holdings and cash on the day the transfer is completed. Account Value of the qualifying account(s) must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) for 60 days. M1 may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Taxes related to any M1 Finance promotional offers are your responsibility. All promotional items and cash received during the calendar year will be included on your consolidated Form 1099. You are encouraged to consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

Account ValuePromotional Credit
$100,000 – $249,999.99$250
$250,000 – $499,999.99$500
$500,000 – $999,999.99$1,000
$1,000,000 +$2,500

ACATS Transfer Promo credits will not be applied for any transfer which has completed retroactively.

This promotion is not valid with any other offers and is non-transferrable. Offer available only to individuals who are 18 years or older and are 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, or that any terms of the M1 Terms of Use or Account Agreement have been violated. This offer is not valid if the name on the M1 account is different than the name on the outside brokerage account requested for the ACATs.

General Conditions: By participating in this ACATS Transfer Promo, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this ACATS Transfer Promo or out of acceptance, use, misuse or possession of the cash deposit attained through this promotion. All applicable federal, state, and local laws and regulations apply.

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

This promotion expires at 11:59pm ET on December 31, 2021

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

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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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account 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, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

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

Credit Card not available for US Territory Residents. Review card disclosures for details, disclosures will be accessible once credit card applications are made available and are subject to change. The Owner’s Rewards Card by M1 is a credit card powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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