Find out which M1 promotions are available now, which have recently ended, and details for referral bonuses. Use the navigation links to quickly jump to the information you need.
Quick reference: promotions status
Currently active promotions:
Recently ended / archived promotions:
Ongoing referral programs:
12-Month Margin Promotional Rate
Status: Active
12-Month Margin Promotional Terms & Conditions apply
Promotion Dates: Dec. 11, 2025 - Jan. 31, 2026
Reward: 1.66% margin rate reduction from M1’s Standard Margin Rate for 12 months
Eligibility: An eligible client is only 1) a client who receives an invitation directly
from M1 for this Promotion during the Promotion Period, and 2) an M1 client who
does not have any current outstanding margin balance at time of Opt-in Date, and 3) an M1 client not currently enrolled in an M1 margin rate reduction program; and 4) is margin eligible.
Ineligible Accounts: Retirement, Trusts, Custodial, LLC, and accounts cleared through Apex Clearing
12-Month Earn APY Boost Promotion
Status: Active
12-Month Earn APY Boost Promotional Terms & Conditions apply
Promotion Dates: Nov. 3, 2025 - Jan. 31, 2026
Reward: Additional 0.65% APY to the then-standard M1 APY on Cash Account balance
Eligibility: New M1 Cash Account holders (or clients without an active Earn/High-Yield Savings Account during promotion period)
Funding: Any amount from an external bank, funded during the Boost Reward Period (no minimum funding amount required)
Invest Bonus referral program
Status: Ongoing
Share M1 Invest with friends or family and you may each qualify for $75 cash bonuses when eligibility requirements are met.
Invest Bonus Referral promotional Terms and Conditions apply.
Referral bonuses
You and your friends may earn a $75 cash bonus on eligible accounts when new clients sign up and fund through your link and maintain minimum balances. Referral bonuses are credited to a taxable brokerage account after your friend meets the required funding and holding period.
Requirements
In order for both the sender and receiver of the referral to qualify for the Invest Bonus, the receiver of the referral must:
Fund $10,000 within 30 days
Maintain this minimum balance for the duration of the promo (90 days)
Limits
You can only earn up to 10 cash bonuses per calendar year.
Access your M1 Invest referral link
Web
Log in to your M1 account
Select "Get up to $750 a year" in the top-right
Copy your unique referral link
Mobile
Log in to your M1 account
Select the Invest tab
Select the Menu icon in the top-left
Select "Get up to $750 a year"
Share your unique referral link
Archived: January 2025 Promotions (January 2025 BAT, Margin, and Earn)
Note: These promotions have ended, but important information is included below for clients who participated before the deadline and are awaiting bonus payout, or have questions about terms.
November 2025 12-Month Margin Promotional Rate
12-Month Margin Promotional Terms & Conditions apply
Promotion Dates: Nov. 3, 2025 – Dec. 10, 2025
Reward: 1.50% margin rate reduction from M1’s Standard Margin Rate for 12 months
Eligibility: An eligible client is only 1) a client who receives an invitation directly from M1 for this Promotion during the Promotion Period, and 2) an M1 client who does not have any current outstanding margin balance at time of Opt-in Date, and 3) an M1 client not currently enrolled in an M1 margin rate reduction program; and 4) is margin eligible.
Ineligible Accounts: Retirement, Trusts, Custodial, LLC, and accounts cleared through Apex Clearing
January 2025 Brokerage Account Transfer (BAT) Promotion
January 2025 Brokerage Account Transfer (BAT) Promotional Terms & Conditions apply
Promotion Dates: Jan 1–Jan 31, 2025
Reward: 0.5% cash bonus on incoming external brokerage transfers of $10,000 or more (max $25,000)
Requirements:
Eligible taxable brokerage account
Funds must remain through Jan 31, 2026 (holding period)
Disbursement to highest-balance eligible brokerage account within 30 days after promo ends
Ineligible Transfers: Internal M1, crypto, ACH/wire, mutual funds/OTC, retirement rollovers, etc.
Tax Treatment: Reported on Form 1099
January 2025 Margin Promotional Rate
January 2025 Margin Promotional Terms & Conditions apply
Promotion Dates: Dec 30, 2024–Jan 31, 2025
Reward: 1% margin rate reduction for 12 months on loans of $2,000+ (opt-in required)
Ineligible Accounts: Trust, retirement, custodial, LLC, and accounts cleared through Apex Clearing
January 2025 Earn APY Boost Promotion
January 2025 Earn Boost Promotional Terms & Conditions apply
Promotion Dates: Dec 30, 2024–Jan 31, 2025
Reward: Additional 0.50% APY on balances up to $200,000 for 12 months
Eligibility: New M1 Cash Account holders (or clients without an active Earn/High-Yield Savings Account during promo)
Funding: Any amount from an external bank, funded during the promo window starts the boost
Frequently asked questions
Are any brokerage transfer promotions active right now?
M1 does not have an active brokerage transfer promotion at this time.
I participated in a past promotion. When will I get my bonus?
Bonuses are typically paid out within 14–30 business days after all requirements and holding periods are met. See Account Statements for expected payout dates or contact M1 Client Success.
Can I combine referral or APY boost promotions?
Most promotions are not combinable with each other. Check each promotion’s terms for details. Generally, only one APY boost or bonus applies at once.
Why didn’t I receive my bonus?
Make sure you met all funding, holding, and account requirements. Double-check that you have an open and eligible (taxable brokerage) account for bonus credits.
M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.
M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.
Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Please look at your account statement to determine how your account is cleared.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. 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.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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