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M1: Invest & Bank Smarter

M1: Invest & Bank Smarter

Manage Money, Build Wealth

74K ratings
536 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 6, 2016
  • August 25, 2026

Features

Developer

M1 Finance LLC
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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

Summarized from real user reviews of M1. Based on 74K reviews and a 4.7/5 average, it highlights the 6 positives and 7 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Great update and app
  • 🚀Wonderful app to organize accounts
  • 🚀Easiest visual long-term investing app
  • 👍Excellent service and good app
  • 👍Best app for path to financial freedom
  • 👍Best investing platform to date

Negative things

  • 🔍Stop pushing users to take on margin debt
  • 🐛Buggy and glitchy app
  • 🔍Confusing and baffling app
  • 🔍Clunky UX with unclear onboarding
  • 🔍Horrible customer service
  • 💰Transfers take too long
  • 🔍Pie and slice concept not user-friendly
See all reviews
+1

What's New in M1

2026.8.4

August 25, 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

Most RecentHighest RatedLowest Rated

Support

If you run into an issue, you are out of luck. Support is not good. Everything is automated and finding a solution can be next to impossible. Best of luck to you.
Jeffe7743Jeffe7743

Great app, awful customer service

I love the app and it works just fine. Service is a different story. God forbid something happens to your account and you need immediate support. Chat support is a 24-48 hour turnaround. Phone support is hit or miss depending on who you get.
Jeff Washington JrJeff Washington Jr

Worst broker ever

Worst broker ever.
PontopincoPontopinco

From Best to Worst investing platform

No customer service.
Multiple bugs within the app.
Extra long transfer periods.
Doesn’t connect to a lot of banks.
DaGrownBoy007DaGrownBoy007

Don’t come here with less than 10k

Great little system bad decision making by owners . May as well open an account with Chase , WF . SoFi or BoA. So many ETFs and stocks missing. RH has more . The visuals are amazing. Easy to read but the bad outweighs the good.
APPLE_USER_XAPPLE_USER_X
See 531 more reviews

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.