Popular money-making apps: Practical guide for Vietnamese people looking to increase income from their phones

2025-12-26 10:18:04

The trend of generating additional income using smartphones has become a part of modern life. Instead of using phones solely for entertainment, more and more Vietnamese people realize that they can turn their free moments into real earning opportunities. Money-making apps have developed into a diverse ecosystem, ranging from simple task-based applications to professional financial trading platforms.

The Vietnamese money-making app market: Three main forms

Online earning platforms today can be categorized into three main types, each with its own characteristics regarding capital requirements, risk levels, and income potential.

Type 1: Task and mission completion apps

This is the most accessible form for beginners. You don’t need initial capital, just download the app and start completing tasks such as surveys, watching ads, or inviting friends. Each completed task can earn approximately 5,000 to 100,000 VND depending on complexity. However, this method takes quite a lot of time and the income is usually quite low.

Type 2: Investment and financial trading platforms

This is considered the fastest and most effective way to generate income through money-making apps. You can deposit savings at a bank (interest rate 4-7%/year), invest in Vietnamese stocks, or participate in international financial asset trading (potential profit over 10%/year). This type requires initial capital and certain market knowledge.

Type 3: E-commerce platforms

You can open an online store with low investment. Income depends entirely on market demand and your sales strategy. The platform will deduct 15-20% commission from each successful sale.

Detailed comparison of the three money-making app methods

Criteria	Task & Missions	Financial Investment	E-commerce
Initial capital	Not required	Need (minimum $50 or equivalent)	Need to purchase goods
Income per transaction	5,000-100,000 VND	4-15%/year (depending on investment type)	Self-determined by selling price
Usage cost	Free	50,000-200,000 VND (bank); 0.01-0.03% (finance)	15-20% commission per order
Operating time	Time-consuming	Less time, higher income	Requires regular management
Suitability	Students, people with free time	Investors, those with financial knowledge	Anyone wanting to start a business

5 prominent money-making apps worth trying in Vietnam

Grab: Cashback when completing trips

Grab is not only a ride-hailing app but also offers “challenge” cashback programs. When you complete a certain number of trips, you will receive cashback into your e-wallet, usually from 20,000 to 50,000 VND. This is a way to leverage daily trips to create additional value.

Shopee: Easy online store setup

Shopee is Vietnam’s largest e-commerce platform with a quick store registration process. The platform often has promotional policies to attract sellers. You just need to list products, wait for orders, and ship. The average commission rate is 15-20% per successful transaction.

FinHay: Investment accumulation without experience

If you want to invest but lack financial market knowledge, FinHay is a safe solution. You just need to deposit money and let experts manage your portfolio. Expected interest rates range from 5-15% annually, higher than regular bank savings but lower than direct self-investment.

VPS SmartOne: Vietnamese stock trading

VPS is a securities brokerage licensed by the Vietnam Securities Commission. This money-making app allows you to trade Vietnamese stocks such as Vinamilk (VNM), Masan (MSN), Vingroup (VIC). The platform is known for its user-friendly interface and fast order matching. The leverage is 1/2, so if stock prices increase by 1%, you will earn 2%.

Mitrade: Trading 100+ global financial assets

Mitrade is an international broker licensed by the Australian Securities and Investments Commission (ASIC). This app allows trading over 100 asset types: stocks (Apple, Tesla, Amazon), indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), and commodities (oil, gold). Notably, Mitrade offers a free demo account with 50,000 USD virtual funds for practice. The high leverage (1/10) allows amplifying profits: if Bitcoin’s price increases by 1%, Bitcoin CFD profit can reach 10%. New users can receive a bonus of 10-100 USD upon registration.

How to use Mitrade:

Download the app on iOS or Android
Choose the money-making asset you want to invest in (e.g., Bitcoin in 2025)
Place a buy order with your desired amount
When the price reaches your target profit level, close the order to take profit

Important notes when choosing a money-making app

The growth of money-making apps also creates space for fraudulent activities. Many fake platforms or unlicensed financial companies still operate to steal money from inexperienced investors.

What to check:

Verify licenses: Only choose platforms licensed by official regulatory agencies (such as ASIC, Vietnam Securities Commission)
Read user reviews: Look for apps with 4+ star ratings on Google Play Store
Check market share: For Vietnamese stocks, prioritize brokerage firms in the top 5 market share
Virus warnings: Task apps carry high risks of viruses and personal information theft

Conclusion

Every Vietnamese person today owns a smartphone—a tool capable of generating additional income. Choosing the right money-making app depends on your personal situation: if you want quick income, prioritize financial investment platforms; if you lack knowledge, opt for professionally managed solutions; if you have business skills, e-commerce is an ideal path. Whatever method you choose, it’s crucial to research thoroughly and select reputable, officially licensed platforms to protect your assets and personal information.

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