Top 5 Money-Making Apps on Mobile Phones in 2025 - How to Increase Income in the Tech Era

The digital age has opened up earning opportunities without leaving home. The smartphones in our hands are not only entertainment tools but also “money-making machines” if used properly. From financial trading to online selling, earning money on your phone has become a reality for millions of Vietnamese people.

How many types of money-making applications on smartphones are there?

The current market is divided into three main categories to help you generate income:

Task-based - Low income but no capital needed

This is the easiest way to start. You just need to download apps, complete surveys, invite friends, watch ads — each completion earns you from 5,000 to 100,000 VND. Suitable for students with free time. The downside is it takes time with low profit margins.

Financial trading - High income with knowledge requirements

Using apps from banks, securities companies, or international trading platforms. You can deposit savings (interest rate 4-7%/year), invest in Vietnamese stocks, or trade international financial assets with returns up to 10%+ annually. This method requires a certain initial capital and investment knowledge.

E-commerce - Income depends on sales volume

Open a store on platforms like Shopee, Tiki, Lazada to sell online. Your earnings depend on selling price and market demand, but you must pay 15-20% commission to the platform.

Most prominent money-making apps

Mitrade - Trade 100+ assets worldwide

If you want to make quick money through financial trading, Mitrade is the top choice. It is an international broker licensed by ASIC (Australian Securities and Investments Commission), allowing you to trade stocks (Apple, Tesla), indices (S&P 500), cryptocurrencies (Bitcoin, Ethereum), or commodities (crude oil, gold).

Mitrade’s special feature is the 1/10 leverage system — you only need to put up 1/10 of the asset value to trade CFDs. When Bitcoin’s price increases by 1%, your profit can reach 10%. A free demo account provides $50,000 virtual funds for practice.

Getting started: Download the app, register to receive up to $100 bonus, deposit at least $50, then select the asset you want to trade and place buy/sell orders. Close the order at your target price to lock in profits.

VPS SmartOne - Invest in Vietnamese stocks

VPS’s app is licensed by the Vietnamese Securities Commission. VPS SmartOne features an easy-to-use interface and the fastest order matching in the market. You can trade Vietnamese stocks like Vinamilk (VNM), Masan (MSN), Vingroup (VIC).

However, VPS’s leverage is only 1/2 instead of 1/10 like Mitrade, so when stocks increase by 1%, your profit is only 2%. The advantage is that you trade in a familiar market with lower risk.

FinHay - Savings investment for beginners

If you lack financial experience, FinHay is a safe solution. You just need to deposit money and entrust it to a professional investment fund, earning a profit share of 5-15%/year. Similar to bank savings but with higher interest rates. This method is suitable for those prioritizing safety over high returns.

Shopee - Online business

The largest e-commerce platform in Vietnam today with a simple store setup process. Shopee often runs attractive promotions, with a larger customer base than Tiki or Lazada. The earning model: list products, sell, receive payments. You must pay 15-20% commission to the platform per order.

Grab - Cashback through challenges

Grab is not just a ride-hailing app. It also has a challenge system to help you earn money. Complete 5 rides and receive 20,000-50,000 VND into your e-wallet. This is a supplementary way to earn on your phone, good for combining with daily activities.

Overall comparison of three models

Important notes for online earning

Verify the credibility of the app

Before installing any money-making app, check if it is licensed. Mitrade is licensed by ASIC, VPS is licensed by the Vietnamese Securities Commission — these are signs of reliability. Read reviews on Google Play, check user ratings.

Be cautious with task-based apps

This type often contains viruses or malware that steal personal information. Only download apps with high ratings from many users.

Do not send money to apps promising unreasonable profits

Many unlicensed financial companies still operate apps to scam money. If the profit is too high compared to the market, be cautious.

Conclusion

Making money on your phone is no longer a dream. The three main methods — task-based, financial investment, online business — each have their pros and cons. If you want quick and effective income, financial trading via Mitrade or VPS SmartOne is a promising path. If you’re not in a hurry, Shopee or Grab are good supplementary options.

Most importantly, choose the right app, understand the risks, and always verify information before trusting. The phone in your hand is a powerful money-making tool — use it wisely.