Which online earning app is the most suitable? A detailed guide for Vietnamese users 2025

The digital technology era brings countless opportunities to generate income from your smartphone. In recent years, online earning apps are not just a trend but have become a genuine economic sector. This article will help you better understand the various ways to make money through mobile applications and find the most suitable solution for your needs.

The Three Main Types of Online Earning Apps Today

In the Vietnamese market, online earning applications are categorized into three main groups, each with its own characteristics regarding investment capital, income level, and knowledge requirements.

Group 1: Task-based Apps - Opportunities for Beginners

This is the simplest form of online earning, requiring no initial capital or in-depth knowledge. Users only need to complete tasks such as answering surveys, inviting friends to download the app, watching ads, or answering simple questions.

After completing each task, you will receive a reward ranging from 5,000 VND to 100,000 VND depending on the complexity. Rewards can be sent as recharge cards or cash. However, a clear disadvantage of this method is that it requires quite a lot of time but offers modest income.

Group 2: Financial Investment Apps - A Faster Profit Path

Financial investment apps are tools provided by banks, securities companies, or brokers. Through these platforms, you can open savings accounts, trade stocks, or invest in global financial assets without leaving home.

The profit rate depends on the type:

• Bank savings: 4% - 7% per year
• Stock investment: can exceed 10% per year
• International financial assets: higher rates but also higher risks

The key point is that this method requires basic financial knowledge and long-term patience. Transaction fees are also significant, ranging from 50,000 VND to 200,000 VND for banks or 0.01% - 0.03% of transaction value for financial investment platforms.

Group 3: E-commerce Apps - Running Your Online Business

E-commerce platforms allow you to open a store, list products, and sell online with low initial investment. Revenue entirely depends on your sales strategy and customer demand. However, you will need to pay a commission of 15% - 20% for each successful order.

Detailed Comparison Table of the Three Types of Online Earning Apps

Top 5 Notable Online Earning Apps in Vietnam

1. Mitrade - Invest in 100+ Global Financial Assets

Mitrade stands out as an international broker licensed by the Australian Securities and Investments Commission. This app provides access to over 100 assets including stocks (Apple, Tesla, Amazon), stock indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), and commodities (crude oil, gold).

Highlights: 1/10 leverage feature allows you to buy CFDs with just 1/10 of the asset value. When Bitcoin rises by 1%, your Bitcoin CFD increases by 10%. New users receive a $10 bonus, up to a maximum of $100. A free demo account with $50,000 virtual money helps practice strategies.

Simple trading process: download the app, select assets to invest in, deposit at least $50, place buy/sell orders, and take profit when the target price is reached.

2. VPS SmartOne - Trading Vietnamese Stocks

VPS SmartOne is a stock trading platform managed by the securities brokerage VPS, licensed by the Vietnamese Securities Commission. The app is known for its user-friendly interface and the fastest order matching speed in Vietnam.

Users can trade Vietnamese stocks such as Vinamilk (VNM), Masan (MSN), Vingroup (VIC), and many other securities. VPS offers leverage at 1/2, meaning if stock prices increase by 1%, your profit increases by 2%.

3. FinHay - Investment Solution for Beginners

FinHay is an excellent choice for those wanting to earn online through investment but lacking deep market knowledge. You just need to deposit a sum of money, entrust it to professional investment funds, and enjoy dividends when the fund profits.

Expected returns range from 5% - 15% annually, higher than bank savings but lower than direct investing. This is a safe path for beginners.

4. Shopee - Quickly Open an Online Store

Shopee is Vietnam’s largest e-commerce platform with a simple and quick store setup process. The platform often runs attractive promotional campaigns to attract customers. The simple way to earn money: list products, wait for customers to buy, ship, and receive payments.

5. Grab - Cashback via Challenges

Besides ride-hailing services, Grab offers (challenge) activities for users to earn money. This model works like a cashback program: when you complete a specified number of rides, you will get back 20,000 VND - 50,000 VND into your e-wallet.

Important Warnings When Using Online Earning Apps

Alongside opportunities, the online earning app market also harbors many risks. Fake apps, unlicensed financial companies, or malware that steals personal information are spreading widely.

To protect yourself, please:

• Check the operating license of the provider (e.g., ASIC for Mitrade, Vietnamese Securities Commission for VPS)
• Read user reviews on App Store or Google Play (prefer apps with 4+ stars)
• Only choose stock brokerage companies with the top 5 trading market share
• Be cautious with task-based apps — high risk of virus infection

Conclusion

The smartphone generation offers opportunities for everyone to turn free time into real income. The three types of online earning apps — task-based, financial investment, and e-commerce — each have their own advantages and disadvantages.

If you want quick and effective profits, financial investment is the top choice. Apps like Mitrade, VPS SmartOne, or FinHay provide professional tools for trading across various markets. However, before investing in any online earning app, take the time to thoroughly research its credibility, licensing, and community reviews to ensure your financial safety.