M1 is sophisticated wealth building, simplified. Our comprehensive financial platform combines high-yield on your cash, personalized investment management, a lucrative cash-back credit card, and flexible ways to borrow money. Discover the power of personalized finance and take control of your financial future. Download M1 now and experience the future of finance at your fingertips. EARN Maximize your savings growth with 5.00% APY interest, ensuring your money works harder for you. INVEST Use powerful portfolio management tools to invest commission-free^. Build your unique portfolio of stocks and ETFs and let advanced automation help power your strategy to achieve your long-term goals. SPEND Our M1 Owners Rewards Credit Card offers rewards that align with your spending habits. You can automatically reinvest your rewards to build wealth—even as you spend. BORROW Margin lets you tap into the power of your portfolio through a line of credit against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin. Borrow up to 50% of your portfolio with rates from 7.25%-8.75%*. Pay back on your schedule—there’s no minimum or maximum repayment period. You can also borrow $2,500–$50,000 over 2-7 years for almost anything. No prepayment penalties, origination fees, or late fees. APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate. DISCLOSURES See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures 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. Must be 18+ and US resident to open an account. Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org. M1 is not a bank. M1 Savings Accounts and M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc. 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 2024 M1 Holdings Inc. App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States
Used to be better
Finally an app for the people but did a bait and switch.
Good long term charts
Well thought out design and easy to navigate.
Promising
I had to take some stars off of a promising financial offering. The number one issue and pet peeve is how long it takes to process payments. If you can process charges why does payments take 7 days and credit limits aren’t available. Even 2nd and 3rd tier cards offer this. Also I thought coming from your own savings would help…. That response time is equally slow and dismal. Next star would be for any extra features which makes the card more appealing like adding an additional user.
Nickel and Dime
This brokerage has decided to charge a monthly fee which is obviously in response to the fact that not enough accounts were paying for their premium services. On top of that they also charge a penalty for transferring your account to another brokerage. Not very customer focused as a company.
iOS requirements
This app works well and I love it until I can no longer use it because of iOS 15 or later requirements. I love my iPhone 7 Plus as it really soothe me. However, I could no longer check my account coz my phone is outdated for the app! This is ridiculous! It stops my access to my account unless I log in through the site on my computer. Why don’t they just let me use it with this phone. I want they to make it available to any phone version, I believe it is my right.
Customer non-service.
Your phone representatives & non-service are awful. Prepare to lose another customer.
Difficult to withdraw funds
They will keep your funds as long as they can when you initiate a withdrawal
- Bug fixes and improvements Let us know what you think by leaving a review or contacting us at [email protected]
Subscribe our newsletter and get useful information every week.