# M1: Invest & Bank Smarter — Manage Money, Build Wealth > Finance super app for earning, investing, and borrowing with automated portfolio management. (iPhone/iPad app by M1 Finance LLC.) - Source: https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644 (this page in markdown: same URL + `.md`) - Developer: [M1 Finance LLC](https://appshunter.io/developer/1071915643) - Category: Finance - Price: Free - Rating: 4.70/5 from 74,325 App Store ratings · 533 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 227 MB - Languages: American English - Released: 2016-09-06 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644/reviews.md ## What is M1? 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% APY ^1 • FDIC-insured up to $4.75 million ^2 • 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.® ^1 Annual Percentage Yield (APY) as of 12/11/25. Rates subject to change. ^2 The 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. ^3 Margin 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. 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 ## Key features - High-Yield Cash Account - Customizable Investment Portfolios (Pies) - Automatic Rebalancing - Fractional Shares - Margin Borrowing - Retirement Accounts (IRA) ## What do users think of M1? Overall sentiment: positive **Pros** - 🚀 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 **Cons** - 🔍 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 **Commonly reported bugs** - Account freezing issues due to bug with holding limits - Problems with executing orders during trading windows - Incorrect handling of corporate actions and mergers **Most requested features** - Add ability to distribute new deposits evenly among all holdings - Improve research and data analytics features - Allow more customization and hiding of unused features - Add more trading windows during the day - Implement a dividend reinvestment (DRIP) feature - Provide option to manually buy/sell individual shares ## Recent user reviews (10 of 533) All indexed reviews: https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644/reviews.md ### 1/5 — From Best to Worst investing platform *2026-08-19, version 2026.8.3* No customer service. Multiple bugs within the app. Extra long transfer periods. Doesn’t connect to a lot of banks. ### 1/5 — Don’t come here with less than 10k *2026-08-18, version 2026.8.2* 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. ### 4/5 — Pies for savings *2026-08-18, version 2026.8.2* Great app. Love the platform for margin. I do wish you had the options to at least set a sale price for securities versus selling blindly at different times. Also, I wish you could sell different tronches so you could have a better control of your tax bill. Those are my only two complaints. Otherwise great platform. ### 4/5 — Great concept, app a bit awkward *2026-08-15, version 2026.8.2* I’ve moved my investments here from Robinhood but find the app to be a bit confusing to navigate and sometimes it shows clearly incorrect percent change for pie slices (wildly different numbers for “all time” vs “this quarter” for a fund I’ve only held a few days) ### 1/5 — Stop Asking Me To Rate *2026-08-15, version 2026.8.2* Stop Asking Me To Rate ### 5/5 — Pretty easy to manage *2026-08-13, version 2026.7.5* Referred to the site by a young retired family member. Easy to use and transfer funds and my investments. ### 1/5 — Always has problems *2026-08-13, version 2026.8.2* Every time I try and make an account there's always a problem and support doesn't know what to do. On too of this once i managed to make one the ui sucks. Hiwever they measure the return of holdings is stupid and is costing me money. I hate this app so much. ### 1/5 — Platform Fee for Balance Under $10K *2026-08-11, version 2026.7.5* Beware! You will be charged a monthly platform fee if your balance is not high enough. ### 5/5 — New user *2026-08-07, version 2026.7.5* I downloaded this app to copy a portfolio from someone else and for the life of me I can’t figure out how to do it. Frustrating. I do t want to manual make the same portfolio. ### 5/5 — M1 *2026-08-07, version 2026.7.5* It’s great!!! ## Frequently asked questions about M1 ### 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. ## Version history (last 5 releases) ### 2026.8.4 — 2026-08-25 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 ### 2026.8.3 — 2026-08-19 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 ### 2026.8.2 — 2026-08-11 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 ### 2026.8.1 — 2026-08-08 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 ### 2026.7.5 — 2026-07-30 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 ## Apps similar to M1 | App | Rating | Price | Category | | --- | --- | --- | --- | | [Fidelity Investments](https://appshunter.io/ios/app/fidelity-investments/id348177453) | 4.8 (3,263,143) | Free | Finance | | [Robinhood: Trading & Investing](https://appshunter.io/ios/app/robinhood-trading-and-investing/id938003185) | 4.3 (4,811,114) | Free | Finance | | [Webull: Investing & Trading](https://appshunter.io/ios/app/webull-investing-and-trading/id1179213067) | 4.7 (340,026) | Free | Finance | | [Investing.com: Stock Market](https://appshunter.io/ios/app/investingcom-stock-market/id909998122) | 4.7 (37,643) | Free | Finance | | [Acorns: Save & Invest Money](https://appshunter.io/ios/app/acorns-save-and-invest-money/id883324671) | 4.7 (957,353) | Free | Finance | | [E*TRADE: Invest. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*