About M1: Invest & Bank Smarter
M1: Sophisticated wealth-building, simplified. Meet M1: The Finance Super App(R), where you can earn, invest and borrow—all in one place. Join hundreds of thousands of investors who trust us with more than $12 billion in...
M1: Sophisticated wealth-building, simplified.
Meet M1: The Finance Super App®, where you can earn, invest and borrow—all in one place. Join hundreds of thousands of investors who trust us with more than $12 billion in assets.
EARN
• Optimize cash with our High-Yield Cash Account offering 3.10% APY1
• FDIC-insured up to $4.75 million2
• No minimum balance
INVEST
• Build a custom portfolio—called a Pie—from 6,000+ stocks and ETFs
• Choose from curated portfolios based on goals and risk tolerance
• Invest long-term with automatic rebalancing and fractional shares
• Brokerage accounts: Open Individual, Join, Trust, and Custodial accounts
• Retirement accounts: Roll over or open a Traditional, Roth or SEP IRA
MARGIN
• Competitive margin rate: 5.65%3
• Borrow up to 50% of your portfolio value
• No additional paperwork or credit checks
WHY CHOOSE M1?
• Advanced automation: Invest with dynamic rebalancing
• Ease and control: Manage a complex portfolio without the busy work
• Low costs: No commissions on trading^, free for clients with over $10,000 on M1
SECURITY
• Bank-level 256-bit encryption
• 2-factor authentication
• SIPC protection up to $500,000 on Investment Accounts
GET STARTED
1. Create your account
2. Build your portfolio or transfer from another brokerage
3. Fund your account and start building long-term wealth
M1. Yours to Build.®
1Annual Percentage Yield (APY) as of 12/11/25. Rates subject to change.
2The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks.
3Margin rates are subject to change. See current rates at m1.com/borrow.
^M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge, see M1’s Fee Schedule.
M1 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital LLC.
Investing involves risk, including the risk of loss. M1 Finance LLC is an SEC registered broker-dealer, Member FINRA/SIPC.
Borrow rates, terms, and conditions are subject to change and may vary based on credit determination, market conditions and other factors. This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where M1 is not registered.
Margin trading entails great risk, including, but not limited to, risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC.
Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary. Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
M1 Finance LLC
200 N LaSalle Street, Ste. 810
Chicago, IL 60601
Previous Versions
Here you can find the changelog of M1: Invest & Bank Smarter since it was posted on our website on 2017-01-23 17:01:03.
The latest version is 2026.6.1 and it was updated on 2026-06-12 14:02:09. See below the changes in each version.
M1: Invest & Bank Smarter version 2026.6.1
Updated At: 2026-06-09
Changes: Here's what you'll find in the latest update:
- Bug fixes and improvements
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2021.9.4
Updated At: 2021-09-29
Changes: NEW: We’ve updated Smart Transfers and made it even smarter
Now you can optimize your money across your spending, your investing, and your borrowing at M1, with just a few clicks.
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2020.11.2
Updated At: 2020-11-23
Changes: NEW: Smart Transfers.
Now you can set a combination of threshold-based rules between Invest and Spend so you can automatically put every available dollar to work how you want to.
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2020.8.3
Updated At: 2020-09-24
Changes: - NEW: More automated features with M1 Borrow, including schedules
- Set dark mode and experience an updated look and feel throughout the app, including a cleaner interface and streamlined flows
- Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2020.5.1
Updated At: 2020-05-08
Changes: - NEW: Dark mode
- NEW: Updated look and feel throughout the app, including a cleaner interface and streamlined flows
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2020.3.3
Updated At: 2020-03-30
Changes: - NEW: Get email and push notifications of account activity. Update your preferences in your account settings.
- Sign up for M1 Plus to get the smartest perks, including a new afternoon trade window and access to M1 Spend, the checking account that seamlessly integrates with your investments.
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 2020.2.3
Updated At: 2020-03-10
Changes: Internal test: 2020.2.3
M1: Invest & Bank Smarter version 5.0.4
Updated At: 2020-01-21
Changes: - 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
[email protected].
M1: Invest & Bank Smarter version 4.7.0
Updated At: 2019-10-31
Changes: - NEW: Invest widget added: track your account value and performance at a glance. Touch and hold your home screen and tap “widgets” to add.
- NEW: You can now see more details on your invest activity and filter by activity type, date, and stock/ETF tickers.
- COMING SOON: M1 Spend, the checking account that seamlessly integrates with your investments. Learn more and early enroll now.
Let us know what you think by leaving a review or contacting us at
[email protected].
M1: Invest & Bank Smarter version 4.5.6
Updated At: 2019-07-26
Changes: - Introducing M1 Spend: the new checking account and debit card. Learn more and early enroll now.
- New and improved tab navigation is now available!
- Our new Pie Share feature makes it easier than ever to share your holdings with friends and family! Share your whole portfolio or individual Custom Pies & earn a referral bonus each time someone opens an account through your link.
Let us know what you think by leaving a review or contacting us at
[email protected].
Disclaimer
Official Google Play Link
We do not host M1: Invest & Bank Smarter on our servers. We did not scan it for viruses, adware, spyware or other type of malware. This app is hosted by Google and passed their terms and conditions to be listed there. We recommend caution when installing it.
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