M1 Finance Built-in referral US

M1 Finance is a digital investment platform offering brokerage accounts (individual, joint, custodial, trust, and retirement accounts). Platform provides portfolio construction, automated rebalancing, and fractional share trading with no account minimums or trading commissions.

Automated investing platform with fractional shares, no minimums, and portfolio management tools.

M1 Finance pays $75 cash credit to Payment Account after referred friend funds account with $10,000+ within 30 days, through a referral link that already sits inside the product, with no application. Referee signs up using referrer's unique referral link, creates account, and deposits minimum $10,000 total within 30 calendar days of account creation. Both parties receive $75 upon successful deposit completion. The referred customer gets $75 cash credit (identical to referrer bonus) deposited to referee's payment account. Verified 22 Aug 2026 from M1 Finance's own published material.

Your commission

$75 cash credit to Payment Account after referred friend funds account with $10,000+ within 30 days

Maximum 10 referral bonuses per calendar year ($750 annual cap). Bonus credited to referrer's designated Payment Account (brokerage, not retirement) within 14 business days of referee meeting requirements. Bonus funds have 90-day withdrawal restriction.

Customer incentive

$75 cash credit (identical to referrer bonus) deposited to referee's Payment Account

Referee must be new M1 customer with no prior M1 account. Bonus applies to new accounts only (individual, joint, custodial, trust, or retirement). Both bonuses subject to same $10,000 funding requirement and 30-day window.

Paid whenReferee signs up using referrer's unique referral link, creates account, and deposits minimum $10,000 total within 30 calendar days of account creation. Both parties receive $75 upon successful deposit completion.

Must you be a customerYes—referrer must have an already-funded M1 account in good standing

DurationOne-time bonus per referral; no recurring component

Commission generatedWhen referred customer opens new M1 account via referral link AND deposits minimum $10,000 (across any account types) within 30 calendar days of account creation

Payment scheduleBonus credited within 14 business days of referee meeting deposit and timing requirements

Cash-out minimum$75 per referral (no withdrawal during 90-day hold period; attempted early withdrawal forfeits entire bonus)

Payout rails$75 credited directly to referrer's Payment Account (individual or joint brokerage account only; not credited to retirement accounts). Referee receives $75 in same manner.

Attribution windowRegistration-based: referral link tracks new customer; qualifying window is 30 calendar days from account creation date for $10,000 deposit completion

Important

Program is capped at 10 referrals per calendar year per referrer ($750 annual maximum). High $10,000 minimum deposit requirement limits accessibility for casual investors. Referee must maintain deposit for additional 30 days post-funding. Bonus funds have 90-day holding period—withdrawal during this window forfeits the entire bonus. M1 employees and FINRA affiliates ineligible. Affiliate/promotional marketing strictly prohibited—referral links reserved for friends and family only.

Minimum deposit of $10,000 is significant barrier (not accessible for small-account investors). 30-day deposit window is strict from account creation date. Bonus funds locked 90 days—early withdrawal forfeits entire $75. Annual 10-referral cap is lower than many competitors. Not available internationally (US residents only).

The full terms

Everything M1 Finance publishes about how the commission is earned and paid. A term shown as not researched is one M1 Finance does not publish, not one that does not apply.

How it pays

Route inBuilt-in: Mobile app (silhouette icon, top right → 'Refer & Earn') or web dashboard (name menu, top right → 'Refer & Earn') → generate unique referral code and share with friends/family

Must you be a customerYes—referrer must have an already-funded M1 account in good standing

Commission basis$75 flat per qualifying referral (both referrer and referee receive same amount)

DurationOne-time bonus per referral; no recurring component

Commission generatedWhen referred customer opens new M1 account via referral link AND deposits minimum $10,000 (across any account types) within 30 calendar days of account creation

Payment scheduleBonus credited within 14 business days of referee meeting deposit and timing requirements

Cash-out minimum$75 per referral (no withdrawal during 90-day hold period; attempted early withdrawal forfeits entire bonus)

Payout rails$75 credited directly to referrer's Payment Account (individual or joint brokerage account only; not credited to retirement accounts). Referee receives $75 in same manner.

Attribution windowRegistration-based: referral link tracks new customer; qualifying window is 30 calendar days from account creation date for $10,000 deposit completion

Self-referralBanned for new accounts (new customers cannot immediately refer others). Existing M1 customers with funded accounts can refer friends. Multiple account creation by same person prohibited. M1 employees and FINRA members ineligible as referrer or referee.

Customer pricing

What the customer pays. Every figure above is calculated from these prices.

M1 Standard$0/month, $0 commissions on all trades

M1 Plus$125/year for advanced features and dedicated guidance (optional paid tier)

Account Types SupportedIndividual, Joint, Custodial, Traditional IRA, Roth IRA, SEP IRA, Trust accounts

Minimum Account Balance$0 (no minimum; can start with any amount)

Minimum Referral Deposit$10,000 (for referral bonus to qualify)

Verified

Read from M1 Finance's own published material on 22 August 2026. Figures change without notice — quote this date alongside any figure.

Sources

M1 Finance Referral Program Overview ↗M1 Referral Program Terms and Conditions ↗M1 Finance Platform ↗

Official referral program page: m1.com/referral (all terms, conditions, and mechanics)

Account eligibility and funding requirements: m1.com/referral (FAQ section)

Bonus hold period and clawback policy: m1.com/referral (Terms and Conditions)

Account type restrictions: m1.com/referral (account types section)

Geographic restrictions and resident eligibility: m1.com/referral (legal eligibility)

All sources verified August 22, 2026

Citing this page

Ancaster, “M1 Finance affiliate terms”. Verified 22 August 2026. https://ancaster.io/offers/m1-finance