This promotion has been expired to give you more this holiday season, learn more here.


GET $30.

1. Share your code with a friend.

2. Your friend creates an account and deposits $100 (or $500 for an IRA).

3. You both get $30 to invest as you chose.

That’s it! Easy as Pie. You will receive your bonus within 7-14 days of your deposit.

See the details →



M1 is free to use. Referring a friend will help them save money on fees that’s better off invested.


Our platform empowers your referrals to take control of their investments and build long-term wealth.


We’re here for the long-haul. Sustainable wealth isn’t achieved by day-trading or neglected retirement accounts.

Brain Barnes M1 Video

Give friends a boost

By referring a friend, you’re offering them the opportunity to build a better future. We’ll provide the perfect mix of personalization and automation to help them make their own money moves. For free.

What our clients say

Fractional shares, auto-rebalancing, and it’s absolutely free to use!

Matt G.

M1 Borrow’s flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus) can’t be beat.

Adam T.

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

Joy W.

May not be representative of the experience of other customers. Not a guarantee of future performance or success.


500,000+ INVESTORS

who opened accounts

20,000+ 5-STAR REVIEWS

(App Store and Google Play)

Investopedia logo


(Investopedia, 2020)

Money Logo


(Money, 2021)

M1 Referral Program | How It Works*

  • You must have a funded M1 Invest account.
  • You must send your referral code to a friend who is not currently an M1 customer.
  • Your friend must use your referral code to sign up for a new M1 invest or retirement account.
  • Your friend must be approved to open an M1 brokerage account.
  • Your friend must invest at least the minimum required amount1 into a brokerage or a retirement account within 30 days of opening their M1 account.
  • Your friend must maintain their initial deposit amount in their account for 30 days.
  • Then you’ll both receive $30.


If you receive $30 from this promotion, you will no longer be eligible to receive $30 from the “M1 Deposit $1,000, Get $30” Promotion

Where Can You Find Your Referral Link?

  • Open your Invest screen (mobile) or click on your name (web)
  • At the top right hand corner click on the silhouette (app) or your name (web)
  • Click “Refer & Earn” (this will only be visible if your account is funded)
  • Sign up and choose your Payment Account
  • Share your unique referral link with a friend

You can return to the referrals page at any time to locate your unique referral link.

How Does Your Friend Use Your Unique M1 Referral Link?

  • Send your unique M1 Referral Link to your friend via email or text.
  • Have your friend click on your unique M1 Referral Link and create an account.
  • Once your friend is approved to open a brokerage or retirement account, they must fund it with at least the minimum required amount1.
  • Your friend must maintain their initial deposit amount in their new account for 30 days from the date of deposit.

Note: Referral bonus can only be paid into an open Payment Account (non-retirement).

How Do You Both Get Paid?

You will receive a $30 referral bonus in your Payment Account2 within 14 days of your friend successfully opening an M1 account and funding it for the full 30 day period. Your friend will also receive their $30 referral bonus in their Payment Account within 14 days of successfully opening an M1 account with your unique referral link and funding it for the full 30 day period.

The $30 promotional amount can be found under Settings>Promotions. You might see that the promotion was successful before the credit has been applied to your Payment account.

Once credited, you will see a $30 Promotional Credit in Activity.

2Payment Accounts

Referrals and other promotional credits are deposited into your designated “Payment Account”. A Payment Account must be an individual or joint brokerage account (funding not required). A Payment Account cannot be a retirement account. Both you and anyone you refer will be required to have an Payment Account to receive the referral bonus.

If you have more than one taxable account, you can change the Payment Account at any time from Settings>Payment.

Without a valid Payment Account, you will not be able to receive referral bonuses.

*Important Terms and Conditions

Beginning on March 15, 2021, this referral offer is valid only for new M1 account users (the “M1 Referral Program”). Please send your unique referral code only to people who you know personally and who will be glad to get it. To qualify for the referral bonus, referred family and friends must make an initial deposit of at least the minimum required amount into a brokerage or retirement account (“Account Opening Minimum Amount”)1 within 30 days of account approval and maintain that initial deposit amount for 30 days.

Your participation in the M1 Referral Program is subject to the following:

Through the M1 Referral Program you will invite family and friends to sign-up for an M1 account by sending them an invitation with a provided link and disclosure, and your efforts in soliciting clients to M1 will be limited to this activity.

For each “Qualifying New Account” M1 will pay you $30 to your M1 Payment Account. A “Qualifying New Account” is a new, individual M1 account opened by your referee, using your unique referral link, which your referee funds with at least the Account Opening Minimum Amount1 into an account and maintains that initial deposit amount for 30 days. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account.

This promotion is not valid with any other offers and is non-transferrable. M1 Referral Program offer available only to consumers 18 years or older who are U.S. citizens or certain eligible legal U.S. Residents. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any terms of the M1 Terms of Use or Account Agreement have been violated or these terms and conditions have been violated. In referring friends to open an M1 account you are acting on behalf of M1 and under the supervision and control of M1. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1.

Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

1Account Opening Minimum Amount

Account Type:

  • Individual – $100
  • Joint- $100
  • Custodial- $100
  • Trust- $5,000
  • Retirement (Traditional, Roth, or SEP IRA) – $500

This promotion expires at 11:59 pm ET on December 31, 2021.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

M1 Logo
M1 Finance app store link M1 Finance play store link

By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

200 N LaSalle St., Ste. 800 Chicago, IL 60601

© Copyright 2021 M1 Holdings Inc.