2025 Guide to the Most Effective Money-Making Apps on Mobile Phones - Top 5 Apps Worth Using in Vietnam

After the changes brought by the pandemic, many people realize that earning extra money is no longer difficult if you know how to leverage your smartphone. Instead of mindlessly scrolling Facebook, why not spend that time running money-making apps on your phone – a trend currently booming in Vietnam.

This article will help you analyze various online earning methods and highlight the top 5 apps worth investing your time in.

Three Types of Money-Making Apps on Your Phone – Advantages and Risks

In the Vietnamese market, phone-based earning apps are divided into 3 main groups, each with its own characteristics:

Group 1: Task Apps – Easiest but low earnings

These applications allow you to complete small tasks such as surveys, inviting friends, watching ads to earn money. Each completed task pays from 5,000 to 100,000 VND depending on difficulty. The advantage is no capital needed, anyone can do it. However, earning money this way is very time-consuming and the income is modest.

Group 2: Financial investment apps – High returns but require knowledge

Apps in this group include banking apps, Vietnamese stock trading platforms, or international asset investment platforms. You can earn 4-7%/year from savings accounts, or up to 10-20%/year from stock trading or international assets. However, you need market knowledge and must be willing to take risks.

Group 3: Online selling apps – Suitable for business

Shopee, Tiki, Lazada… are e-commerce platforms that allow you to open online stores. You will need to pay 15-20% commission on sales, but your revenue is entirely up to you. This method requires having products to sell but offers the greatest earning potential.

Top 5 Phone Apps You Should Know About Earning Money

1. Mitrade – Invest in international assets with high leverage

If you want to earn money quickly and effectively, financial investment via Mitrade is the top choice. Mitrade is an international trading platform licensed by ASIC, allowing you to trade over 100 asset types from stocks like (Apple, Tesla, Amazon), stock indices like (S&P 500, FTSE 100), cryptocurrencies like (Bitcoin, Ethereum), to commodities like (oil, gold).

Mitrade’s strength is that you only need to put up 1/10 of the value to own a CFD, meaning with $100 you can profit as if trading $1,000. For example, if Bitcoin rises 1%, your profit will be $10.

To get started:

• Download the app on iOS or Android
• Choose the asset you want to invest in
• Deposit a minimum of $50
• Place buy/sell orders

You will immediately receive a bonus of $10-$100 upon registration, and can use a demo account with $50,000 virtual funds to practice for free.

2. VPS SmartOne – Easy Vietnamese stock trading

If you want to earn from the Vietnamese stock market, VPS SmartOne is the top app. Managed by the licensed brokerage company VPS (approved by the Vietnam Securities Commission), this app is famous for its user-friendly trading platform and fastest order matching.

You can invest in Vietnamese stocks like Vinamilk (VNM), Masan (MSN), Vingroup (VIC)… with 1/2 leverage. If the price increases by 1%, your profit is 2%(. This figure is lower than Mitrade but still reasonable for those who only want to trade domestically.

) 3. FinHay – Automatic savings investment for beginners

No investment knowledge? FinHay is the solution for you. You just need to deposit money into an investment fund, and experts will help manage and share profits. Interest rates range from 5-15%/year – higher than bank savings but lower than other phone-based earning apps. This is a safe choice for beginners.

4. Shopee – Easy online selling

Shopee is Vietnam’s largest e-commerce platform, allowing you to open a store very quickly. Compared to Tiki or Lazada, Shopee often offers better promotions to attract customers. You just need to list products, wait for customers to buy, then ship and receive money. The earning potential is high but requires having actual inventory to sell.

5. Grab – Cashback when using services

Besides ride-hailing, Grab also allows you to earn money through cashback challenges. For example, completing 5 rides will give you a cashback of 20,000-50,000 VND into your e-wallet. This is a passive way to earn money, but the profit is not high.

Things to Avoid When Choosing a Phone Money-Making App

Earning money online is easy, but it also opens opportunities for scammers. Many investment apps claiming to make money on your phone are fake or from unlicensed financial companies. Before installing an app:

• Check if the company is officially licensed ###for example, Mitrade has ASIC, VPS is licensed by the Vietnam Securities Commission(
• Read reviews on Google Play or App Store )preferably above 4.0 stars(
• Research articles from reputable sources
• Be cautious of apps that require upfront fees for “warranty” or “profit locking”

Conclusion

Making money through apps on your phone is no longer a dream. Depending on your goals and abilities, choose the appropriate type of app. If you want the highest returns, opt for financial investment. For safety and stability, savings accounts or investment funds are suitable. If you want to develop a business, online selling is the way. Most importantly, always stay vigilant and research thoroughly before using any app.