Grow Money, Manage Wealth: Earn, Invest, & Borrow in One Place
About M1: Invest & Bank Smarter
M1: Invest & Bank Smarter is a finance app developed by M1 Finance.
How many times has M1: Invest & Bank Smarter been downloaded?
M1: Invest & Bank Smarter has been downloaded 1.2 million times. In the last 30 days, the app was downloaded 2.9 thousand times.
What is the rating of M1: Invest & Bank Smarter?
M1: Invest & Bank Smarter is rated 4.39 out of 5 stars, based on 27 thousand ratings.
Is M1: Invest & Bank Smarter free?
M1: Invest & Bank Smarter is free to download. The APK download size is 33.48 MB. The latest version available is 2026.8.4. The last update was on August 18, 2026.
What are the requirements for M1: Invest & Bank Smarter?
M1: Invest & Bank Smarter requires Android 6.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play September 2016.
Description
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% APY1 • FDIC-insured up to $4.75 million2 • 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.®
1Annual Percentage Yield (APY) as of 12/11/25. Rates subject to change. 2The 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. 3Margin 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. Margin rates may vary. 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
Recent changes: 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@m1finance.com.
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I've been with M1 since 2022. I love the platform. The autorebalancing feature and the dynamic rebalancing is so underrated. Allowing you to stay on target allocation. This platform is not for day traders. It's designed around long-term investing. Keeping an asset allocation based on your risk tolerance is very important. M1 Finance allows you to stay within your allocation thus maintaining your intended risk levels. I've recommended over 10 users to this platform. Thank you and never change!
★★★★☆james lolment· May 15, 2026
Sometimes confusing, but fundamentally a good system for long term, passive, high-commitment investors who will ignore daily noise. Worst possible platform for "traders" who rely on intraday activity, which they're pretty upfront about. The pie system makes automated investing easy and dividends are handled well. Only being able to borrow 25% margin via cash is disappointing - if a security is marginable at a certain percentage, treating buying power and borrowing power differently seems wrong
★★★★☆Donovan Worland· Jun 8, 2026
It took me a few tries to understand the layout & I use it for most of my portfolio management.
★★★★★Redricks gaming· Jul 24, 2026
I really like yalls app, but I wish there was a little buffer for when the market opens that we can buy or sell. Like 30 minutes. Also I know we can't sell at certain prices directly, but I wish y'all had a function where if it's within this and this range sell this amount or buy. That way I don't have to watch the market every day hoping the stock gets within the price im trying to sell. I work nights, so I miss those opportunities I could have done it when it was within that price range.
★☆☆☆☆Catherine S· Jan 28, 2026
Atrocious. Used to be such a great app, now it is useless. I logged in for the first time in a long time to check on things only to find out there's now a platform fee?! And I was NOT notified. And they've been taking it out of MY investments! I am canceling everything & closing my account. I can't even buy/sell shares from the app anymore. Hot garbage.
★☆☆☆☆Elijah Roberts· Aug 9, 2026
This company is very fast to take your money, and very slow to give you your money, and a lot of things are slimy with it.
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