M1: Invest & Bank Smarter

M1: Invest & Bank Smarter

Manage Money, Build Wealth

75K ratings
543 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 6, 2016
  • September 15, 2026

Features

M1: Invest & Bank Smarter screenshot #1 for iPhone
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About

This finance app simplifies wealth building by offering integrated earning, investing, and borrowing features. Manage cash with high yields, build custom investment portfolios with automated rebalancing, and access competitive margin rates, all within a secure platform.

High-Yield Cash Account
Customizable Investment Portfolios (Pies)
Automatic Rebalancing
Fractional Shares
Margin Borrowing
Retirement Accounts (IRA)
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What users say

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+1

What's New in M1

2026.9.3

September 15, 2026

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 hello@m1.com

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User reviews

Options?

Why did options worm their way into my account? Unsatisfied until I am able to get out of them (options).

Great and simple to use!

Whatever app you choose, JUST START INVESTING! But if you’re browsing around, I’d recommend this app to you to start with! You will be happy with it!

I’ve been investing for about 10 years now. Truth be told, I mainly use Schwab. But, I did want to branch out to another brokerage to invest a little differently and save for some future purchases.

Anyway, this app and brokerage are awesome! It’s been about 3 or so years now with M1 and it’s been great! I pick my investments and periodically throughout the year I deposit whatever amount and it just distributes it for me into my stocks. Awesome! Simple. It’s about as close to “auto investing” as I’d like to get. I still like to have some level of control over it.

The app is so simple to navigate and has lots of information at your fingertips. The graphs are handy and easy to read, you can pretty much see any kind of breakout of your account that you’d ever want.

One thing I really love over the other brokerage I use is the ability to purchase fractional shares. Huge! Rarely do my purchases come out to a full share amount and it’s great that I can just buy whatever amount. This is one feature I hope stays around.

Happy investing!
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Money disappeared

I have had a some warning for margin calls. I have deposited money to cover. I went some time without checking my account and noticed a drop in my account and my margin loan. When I checked my activity/transactions, I don’t see any selling orders or moving of money. The AI customer service is terrible sometimes given answers even though I mentioned already doing their suggestion.
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Poor customer service

My account auto invested takes 4 days to respond unreal

Fantastic app

I’ve been using M1 for all of my investing needs for the last few years and it makes the process of investing so seamless and easy. It is the number one app that I would recommend for someone who is new to investing and wants to do it the right way.

User experience

🐞

Reported Bugs

3 issues

Account freezing issues due to bug with holding limits

Bug

Problems with executing orders during trading windows

Bug

Incorrect handling of corporate actions and mergers

Bug

Requested Features

6 requests

Add ability to distribute new deposits evenly among all holdings

Feature

Improve research and data analytics features

Feature

Allow more customization and hiding of unused features

Feature

Add more trading windows during the day

Feature

Implement a dividend reinvestment (DRIP) feature

Feature

Provide option to manually buy/sell individual shares

Feature

FAQ

What does M1: Invest & Bank Smarter do?

This finance app acts as a 'Finance Super App' allowing users to earn, invest, and borrow all in one place. It offers features like a high-yield cash account, tools to build custom investment portfolios with automated rebalancing, and margin borrowing capabilities.

What are the key features for investing?

Key investment features include the ability to build custom portfolios called 'Pies' from over 6,000 stocks and ETFs, choose from curated portfolios, invest long-term with automatic rebalancing and fractional shares, and open various brokerage and retirement accounts like IRAs.

How much does M1: Invest & Bank Smarter cost?

The app is free for clients with over $10,000 on M1, and generally does not charge commissions on trading. However, there may be other fees such as a platform fee, regulatory fees, or account closure fees. Users should refer to M1's Fee Schedule for a complete list.

Is my money safe on M1: Invest & Bank Smarter?

Yes, the app employs bank-level 256-bit encryption and 2-factor authentication for security. Investment accounts are protected by SIPC up to $500,000, and cash balances in the Cash Account are FDIC-insured up to $4.75 million once swept to partner banks.

Who is M1: Invest & Bank Smarter for?

This app is designed for individuals who want to simplify their wealth-building journey. It's suitable for those looking to manage their cash effectively, invest in custom portfolios with automation, and potentially utilize margin for borrowing, all within a single, secure financial platform.