Refer a friend to M1 and you both earn $75 when they open a taxable brokerage account and deposit at least $10,000.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-06-07 · How we rate
Risk warning: Trading carries a high risk of losing money, especially with leveraged products such as CFDs. A bonus does not reduce that risk. Only deposit what you can afford to lose.
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Availability
Checking availability…The catch
Friend must deposit at least $10,000 within 30 days of sign-up, then maintain that $10,000 minimum balance for an additional 30 days. After the $75 bonus is credited (typically within 14 business days), the bonus funds are locked in the M1 account for a separate 90-day holding period: they may be invested but cannot be withdrawn or transferred externally during that window, and withdrawing early forfeits the bonus.
How to claim
- Open and fund an M1 taxable brokerage account (referrer).
- Find your unique referral link under Refer & Earn in account settings.
- Share the link with a friend who has never been an M1 customer.
- Friend signs up through the link and opens a taxable M1 brokerage account.
- Friend deposits at least $10,000 within 30 days and keeps that balance for another 30 days.
- Both you and your friend are credited $75, typically within 14 business days after the funding and holding requirements are met.
Full review
M1's Invest Bonus referral program pays $75 to you and $75 to a friend you refer. You need a funded M1 taxable brokerage account, and your friend has to be someone who has never been an M1 customer. They open their account through your unique referral link, found under Refer & Earn in account settings.
The catch is the deposit size and the lock-up. The friend must deposit at least $10,000 (the Account Opening Minimum Amount for the Invest Bonus) within 30 days of signing up, keep that balance for another 30 days, and then leave the bonus funds untouched for a 90-day holding period.
Pulling money out early forfeits the bonus. The headline figure marketed as up to $750 is not a single payout: it is the annual cap of 10 referrals at $75 each, so $75 is what you actually get per friend. Bonuses land in a taxable brokerage account, typically within 14 business days after all requirements are met.
IRAs and other tax-advantaged accounts do not qualify. Eligibility is limited to consumers 18 or older who are U.S. citizens or certain eligible legal U.S. residents. Employees of FINRA member firms, M1 employees, and marketing affiliates are excluded.
Pros
- +Both the referrer and the referred friend each receive $75.
- +Bonus and any profits are withdrawable after the holding period.
- +Up to 10 paid referrals per calendar year ($750 total).
Cons
- −Referred friend must deposit at least $10,000, a high entry bar.
- −Funds are effectively locked: 30-day maintenance plus a 90-day bonus holding period.
- −U.S. only, taxable brokerage accounts only (no IRAs).
- −The $75 reward is fully dependent on a third party committing $10,000, an effective ~4-month lockup, so the headline 'per referral' understates the real difficulty of qualifying.
- −Three separate timing gates stack (30-day deposit + 30-day balance maintenance + 90-day post-credit bonus hold), so the bonus is not freely withdrawable until roughly 120+ days after sign-up.
- −The bonus, once paid, cannot be withdrawn or transferred externally during the 90-day holding period (it may be invested); pulling it early forfeits it.
$75 with M1 Finance
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: Bonus amount, type, status, Minimum deposit, Hold requirement, Time limit, Withdrawal terms, Eligible countries, Account type.
Broker regulation: SEC (license 8-69670), FINRA (license 281242).
- Bonus terms and conditions: help.m1.com ↗
- M1 Finance official site: m1.com ↗
Last verified 2026-06-07. Next review within 60 days.