# M1: Invest & Bank Smarter — user reviews > 538 indexed App Store user reviews of M1 by M1 Finance LLC, rated 4.70/5 from 74,453 ratings. - Source: https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644/reviews - App overview in markdown: https://appshunter.io/ios/app/m1-invest-and-bank-smarter/id1071915644.md - Rating breakdown: 5★ 63,404 · 4★ 5,531 · 3★ 1,722 · 2★ 715 · 1★ 3,081 ## 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 ## Newest reviews (10 of 538) ### 3/5 — Great app, awful customer service *2026-08-26, version 2026.8.4* 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. ### 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 — GREEDY MF’S *2026-08-04, version 2026.7.4* This app use to be a FREE investing app, with ZERO fees. Ridiculous ### 4/5 — Hard to use *2026-07-31, version 2026.7.5* Hard to buy the stocks you want to purchase ### 1/5 — Baron Funds *2026-07-30, version 2026.7.4* I really would like if you could offer the Baron Funds as an option. I mean REALLY LIKE ### 2/5 — Keep me in the loop *2026-07-24, version 2026.7.4* I’ve checked every setting, given it every permission short of my actual soul, and yet... crickets. Absolute radio silence. Am I being top-secret stealth-ghosted by this app ? ### 1/5 — Forced web login?? *2026-07-24, version 2026.7.4* New app version is terrible- login is now through a pop-up web Browser doesn’t seem secure at all. Don’t know why you build an app only to force people to login through the web. Garbage app. ### 2/5 — It should not be this hard to move my money around *2026-07-18, version 2026.7.3* I’m trying to add a bank account to put money in and it’s not intuitive at all ### 1/5 — Inability to find specific stocks within the pie after update *2026-07-15, version 2026.7.2* Currently, there’s no way to buy individual stocks after the update. Please fix ASAP! ## Most critical reviews (10 lowest-rated) ### 1/5 — Unfortunately They're racist *2026-09-01, version 2026.9.1* You can open an account with Robin Hood with a driver license + SSN (M1) They ask for citizenship ### 1/5 — Support *2026-08-27, version 2026.8.4* 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. ### 1/5 — Worst broker ever *2026-08-25, version 2026.8.2* Worst broker ever. ### 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. ### 1/5 — Stop Asking Me To Rate *2026-08-15, version 2026.8.2* Stop Asking Me To Rate ### 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. ### 1/5 — Great idea - Terrible customer service and missing features *2026-08-05, version 2026.7.5* M1 Finance has a unique and innovative Pie investing concept, which is what initially attracted me to the platform. Unfortunately, that’s where most of the positives end. The biggest issue is customer service. It is extremely difficult to reach a knowledgeable support representative. Responses are often slow, and when you do get a response, the information provided is frequently incomplete, inconsistent, or simply incorrect. This is especially frustrating when you’re dealing with investment accounts, transfers, or tax-related questions where accurate information is critical. A financial institution should inspire confidence, but M1’s support does the opposite. For investors who follow a disciplined, long-term investing strategy, the platform is also missing several useful features: * Better portfolio analytics and performance reporting. * More flexible recurring investment and rebalancing options. * Better tax reporting and tax-planning tools. * Support for mutual funds alongside ETFs and stocks. * More account management and customization options. * Better research and portfolio insights to help monitor long-term performance. Overall, M1 Finance has a strong concept but falls short in execution. Reliable customer service and continued platform improvements are essential for an investment platform, and M1 Finance currently misses the mark on both. ### 1/5 — Disappointed. *2026-08-04, version 2026.7.4* No ability to set sell or buy prices on that I can see. Also, $3 a month for use of the platform for such a small portfolio is ridiculous when I am self directed. I am moving everything to E-Trade. So user friendly and much better support. ## Most praised reviews (10 highest-rated) ### 5/5 — Best DIY App *2026-09-02, version 2026.9.1* If you’re a simple investor and know what you’re doing this is the perfect app. why pay a financial advisor where you could do the exact same thing for so much cheaper using M1. Best App for investors by far. ### 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. ### 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!!! ### 5/5 — M1 *2026-08-06, version 2026.7.5* Great app!!! Had it for years and I love it!! ### 5/5 — Truly the Master Finance App *2026-07-25, version 2026.7.4* This app allows you to easily become your own bank. For those with decent personal finance literacy, this app is undefeated. Loved it ever since I joined in 2019. ### 5/5 — Amazing! *2026-07-20, version 2026.7.3* I have been using M1 for about two years now and wow . What a great company to have my investments in . This is the perfect brokerage to have longterm investments in . Their Pie investing strategy where you can choose what percent you want your investments to be is very easy so I don’t have to think about buying multiple different stocks/funds every time I deposit. Great company ### 5/5 — Tanjelo Bonner *2026-07-18, version 2026.7.3* Faith ### 5/5 — Helpful *2026-07-17, version 2026.7.3* This app has made me a smarter investor and has made it really easy to grow my portfolio. I feel safe knowing that they will do most of the heavy lifting in a way that helps me succeed in the world of investing. They are easy to get a hold of and quick to resolve any issues. Great app! ### 5/5 — Unique investing app *2026-07-13, version 2026.7.1* I’ve never seen another investing platform like it, can’t wait to see where my account is a year from now. Investing in my four favorite mega cap stocks right now, Amazon, meta, Microsoft, and NVDA! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*