Reviews of M1: Invest & Bank Smarter

By: M1 Finance App

List of user reviews and ratings for M1: Invest & Bank Smarter

Total ratings

4.40 (Rating count: 27,721)

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Review summary

Overall sentiment is mixed. Many users praise M1 for ease of use, reliability across devices, and strong long-term investing features with broad market exposure. However, a sizable number report a new $3 monthly fee, poor support via AI chat, a cluttered interface, login/2FA problems, and awkward auto-invest controls that hinder trading. While some see value in the platform's features and updates, the recurring complaints about fees, support, and usability drive the negative tone for many users.

Pros

Easy to use and beginner-friendly interface.
Auto-invest feature is effective.
Reliable across mobile and desktop (works on both phone and PC).
Long-term investing focus with useful features and regular updates.
Broad market exposure (e.g., S&P 500).

Cons

Introduction of a $3 monthly fee with little or no notice.
Poor customer support with AI bots and slow or no human responses.
Interface has become confusing and bloated with new features.
Persistent sign-in/login issues, including 2FA codes not being sent.
Auto-invest/purchase controls are hard to stop and limit trading flexibility.

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User Reviews

Recent rating average: 2.80

All time rating average: 4.40

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39% (81)

Date	Author	Comment
2026-07-12	No*****	App does what it needs, but it gets a 1 star because it has an annoying habit of logging you out in a few days and requiring a manual log in even if you have biometrics enabled. If its a feature then it will actually make your account less secure..
App does what it needs, but it gets a 1 star because it has an annoying habit of logging you out in a few days and requiring a manual log in even if you have biometrics enabled. If its a feature then it will actually make your account less secure..
2026-07-09	Jo*****	hard to navigate.
hard to navigate.
2026-07-09	P *****	poor communication, algorithms don't work exactly as described, limited control, simple changes are extremely frustrating and sometimes complex, not an intuitive interface,no ability to dynamically set cash reserves to be a percentage of total investment strategies.
poor communication, algorithms don't work exactly as described, limited control, simple changes are extremely frustrating and sometimes complex, not an intuitive interface,no ability to dynamically set cash reserves to be a percentage of total investment strategies.
2026-07-05	Iv*****	too much personal information asked before I can even open main page to know what it is about.
too much personal information asked before I can even open main page to know what it is about.
2026-07-05	KE*****	haven't used m1 in awhile.
haven't used m1 in awhile.
2026-07-03	Jo*****	horrible app no guide on how to create another pie past first one also can't find how to turn off auto invest and no guide to buy the stock in your portfolio this app is terrible
horrible app no guide on how to create another pie past first one also can't find how to turn off auto invest and no guide to buy the stock in your portfolio this app is terrible
2026-07-02	Ma*****	The worst customer service and no help with setting up a simple account
The worst customer service and no help with setting up a simple account
2026-07-01	Oz*****	very responsive and easy to navigate.
very responsive and easy to navigate.
2026-06-26	Ch*****	I am pleased with the way m1 is managing my account particularly with margin purchasing and availability ..far more consistent and transparent than ibkr
I am pleased with the way m1 is managing my account particularly with margin purchasing and availability ..far more consistent and transparent than ibkr
2026-06-26	St*****	clean - too early yet.
clean - too early yet.