5 Most Effective Money-Making Apps on Mobile Phones for Extra Income at Home in 2025

The online earning app market at home is booming strongly in Vietnam. Instead of just letting your phone run Facebook or TikTok, you can take advantage of your free time to create additional income streams through a few smart applications. This article will help you analyze in detail the 5 most popular home earning apps, along with effective usage guides and safety notes when earning money online.

Top 5 most popular earning apps for Vietnamese users

1. Mitrade - International asset investment with high profits

If you are looking for a way to earn money at home with the highest profit potential, Mitrade is the top choice. This is an international trading platform licensed by the Australian Securities and Investments Commission (ASIC), allowing you to invest in over 100 types of financial assets from around the world.

On Mitrade, you can trade stocks of major companies like Apple, Tesla, Amazon, international stock indices (S&P 500, FTSE 100), cryptocurrencies like Bitcoin and Ethereum, or commodities like crude oil and gold. A highlight is that you only need to invest 1/10 of the actual value to earn 10 times the profit — this is called CFD trading.

Real example: If Bitcoin increases by 1%, the CFD Bitcoin on Mitrade will increase by 10%. When you close the order, the difference amount is your profit.

3-step earning process:

• Download the app supporting iOS and Android
• Choose the financial asset you want to invest in, determine the amount
• When the price reaches your target, close the order to take profit

New users registering immediately receive 10 USD, up to 100 USD in bonus. The free demo account provides 50,000 USD virtual funds for practice without cost.

2. VPS SmartOne - Reliable Vietnamese stock investment

For those who want to earn money at home but focus only on the Vietnamese market, VPS SmartOne from the VPS securities brokerage company is a trustworthy choice. This app is licensed by the Vietnam Securities Commission, featuring an easy-to-use trading platform with the fastest order matching among Vietnamese securities companies.

On VPS SmartOne, you can buy and sell stocks of leading Vietnamese companies like Vinamilk (VNM), Masan (MSN), Vingroup (VIC). Although the leverage is lower than Mitrade (only 1/2 instead of 1/10), it is more suitable for investors familiar with the domestic market.

When stocks increase by 1%, you generate a 2% return, lower than Mitrade but still more stable.

3. FinHay - Passive investment, safe for beginners

If you lack in-depth financial market knowledge but still want to earn money at home, FinHay is an ideal solution. You just need to deposit a sum of money and entrust financial experts to manage your investment portfolio.

This model is similar to bank savings but with significantly higher interest rates, from 5% - 15% per year. However, this profit rate is still lower than investing directly on Mitrade or VPS. The benefit is that you don’t have to worry about complex trading decisions.

4. Shopee - Earning money by online selling

Shopee is currently the largest e-commerce platform in Vietnam, making it simple and quick to open a store here. The registration process is less complicated than Tiki or Lazada, and Shopee continuously offers promotional policies to attract more customers.

To earn money on Shopee, you only need to have products to sell, post ads, find buyers, deliver goods, and receive payments. Each sale requires paying a 15% - 20% commission to the platform. The amount you earn depends entirely on your business ability and customer demand.

5. Grab - Cashback through simple tasks

Grab is not just a ride-hailing app. You can also earn money at home through cash-back challenges, activities like promotional cashback when using Grab services.

For example, completing 5 rides will earn you 20,000 VND - 50,000 VND into your e-wallet. This is a passive earning method, but the amount is not large.

The three main types of home earning apps

Task-based apps

This type requires simple tasks such as doing surveys, inviting friends to download apps, watching ads, answering questions. You will receive rewards from 5,000 VND - 100,000 VND per task depending on difficulty.

Advantages: No capital investment, no need for skills or experience.

Disadvantages: Time-consuming labor, very low income, high risk of viruses or personal data theft.

Financial investment apps

These are apps from banks, securities companies, or international investment platforms that allow direct trading via phone. From savings (with 4% - 7% interest per year) to investing in Vietnamese stocks or international assets (with 10%+ profit annually).

Advantages: High potential income, requires little monitoring (for long-term investments).

Disadvantages: Requires initial capital, knowledge of financial markets, risk of capital loss, transaction fees 0.01% - 0.03% (financial investment) or 50,000 - 200,000 VND (banking).

E-commerce apps

Platforms like Shopee, Tiki, Lazada allow you to open a store to sell products. You set the selling price and calculate profit accordingly, but must pay a 15% - 20% commission each time you make a sale.

Advantages: Income depends entirely on you, no limit to earnings.

Disadvantages: Requires capital to purchase goods, constant store management, high business risk.

Detailed comparison of 3 types of earning apps

Important notes when using earning apps

Earning money online is very convenient but also carries many risks. Bad actors exploit this method to scam, install viruses, or steal personal information. Typical issues include:

• Fake investment earning apps or unlicensed financial companies operating and then stealing deposits.
• Task apps containing viruses that steal phone data.

How to protect yourself:

Before installing any earning app, you should:

• Check the operating license of the issuing company )e.g., Mitrade licensed by ASIC, VPS licensed by the Vietnam Securities Commission(
• Read reviews on Google Play or App Store )at least 4.0 stars(
• Research thoroughly before depositing money or installing
• Only choose companies with a transaction market share in the top 5 )e.g., VPS is typical for the Vietnamese stock market(

Conclusion

Earning money at home via apps has become a popular trend, but the most effective way to earn at home remains through financial investment applications. You can choose to:

• Deposit savings in banks with stable but low interest rates
• Invest in Vietnamese stocks on VPS SmartOne with average returns
• Invest in international assets on Mitrade with the highest profit potential

Whatever method you choose, always equip yourself with knowledge, verify app credibility, and never ignore safety warnings. Making money online is not difficult, but earning money safely is a skill you need to learn.