## Want to Make Money on Your Phone? The Most Effective Money-Making Apps Selection Guide for 2025

The digital age has opened up countless opportunities to earn money online with just a smartphone. Instead of using your phone solely for entertainment, why not turn it into a "money-making machine" with apps that can generate income? This article will guide you in identifying the most suitable apps to optimize your earnings from your fingertips.

## The Top Three Popular Online Money-Making App Types Today

### Type 1: Task-Based Apps - Simple but Low Income

This is the easiest way to earn money but requires a lot of time. Apps that pay through this method ask you to complete simple tasks such as taking surveys, watching ads, or inviting friends to download the app. Each completed task earns you from 5,000 to 100,000 VND depending on difficulty. The advantage is no initial capital needed, but the earnings are quite modest relative to the time invested.

### Type 2: Financial Investment Apps - High Efficiency but Require Knowledge

Apps that allow earning in the investment field include banking apps, stock trading platforms, and global asset investment exchanges. This method lets you earn returns from savings deposits (4-7% per year), Vietnamese stock investments, or international assets (over 10% annually). However, you need market knowledge and must bear certain transaction costs.

### Type 3: E-Commerce Apps - Flexible Income

Apps that enable earning through online sales like Shopee or Tiki allow you to open your own store without large capital. Your sales depend on market demand, but you will need to allocate 15-20% commission to the platform. This is a good choice for those with products to sell.

## In-Depth Comparison of the Three Money-Making Methods

| Criteria | Task Completion | Financial Investment | Online Selling |
|---------|------------------|------------------------|----------------|
| Initial Capital | None | From $50( | Purchase inventory |
| Income per Cycle | 5-100k VND/task | 4-7% )bank(, 10%+ )investment( | Varies with product price |
| Fees | Free | 50-200k bank fees; 0.01-0.03% transaction fee | 15-20% commission |
| App Usage Time | Time-consuming | Less - only market monitoring | Frequent customer contact |
| Complexity | Low | Moderate - High | Moderate |

## Top 5 Most Worth Trying Money-Making Apps

) 1. Mitrade - Global Asset Trading on Mobile

If you're looking for apps that can quickly generate high profits, Mitrade is a prominent choice. It’s an international trading platform licensed by ASIC ###Australian Securities and Investments Commission(, allowing trading of over 100 asset types: stocks )Apple, Tesla, Amazon(, indices )S&P 500, FTSE 100(, cryptocurrencies )Bitcoin, Ethereum(, and commodities )crude oil, gold(.

Mitrade’s advantage is a leverage ratio of 1/10, meaning with $50 you can potentially earn profits equivalent to $500. For example, if Bitcoin rises by 1%, your position increases by 10%. A free demo account with $50,000 virtual funds allows practice before investing real money. New users get up to $100 bonus.

**Trading process:**
1. Download the app )supported on iOS and Android( and register
2. Deposit at least )into your account
3. Choose an asset $50 e.g., Bitcoin(, place a buy order
4. Close the position when the target price is reached to take profit

) 2. VPS SmartOne - Easy Vietnamese Stock Investment

For those wanting to earn from the domestic stock market, VPS SmartOne ###managed by VPS brokerage, licensed by the Vietnamese Securities Commission(, is a reputable platform. User-friendly interface, fastest order matching in the industry, supporting trading of well-known stocks like Vinamilk )VNM(, Masan )MSN(, Vingroup )VIC(.

However, the leverage ratio is only 1/2 )lower than Mitrade(, so if stock prices increase by 1%, profits increase by only 2% instead of 10%. Apps like VPS are more suitable for investors focusing on the Vietnamese market.

) 3. FinHay - Accumulation Investment for Beginners

If you lack investment knowledge, apps that generate income passively like FinHay are a solution. The model: you deposit money, entrust it to a professional investment fund, and share profits when the fund makes a profit ###5-15% per year(.

This is similar to a bank savings account but with higher interest rates. However, compared to self-investing via Mitrade or VPS, the returns are relatively low. Suitable for those seeking safe income without active trading.

) 4. Shopee - Easy Online Store Opening

Shopee is currently Vietnam’s largest e-commerce platform. Opening a store is very simple and faster than other platforms like Tiki or Lazada. Shopee often runs promotional policies to attract more customers.

How to earn: list products, wait for customers to buy, ship, and receive payment. The commission fee is 15-20% per order. Apps of this type are suitable if you have products to sell.

### 5. Grab - Cashback When Using Services

Grab is not only a ride-hailing app but also a platform to earn money through "challenge" cashback offers. For example: complete 5 rides and receive 20,000-50,000 VND back to your Grab wallet. Apps like Grab are perfect for frequent service users, earning money naturally without extra effort.

## Guide to Choosing Safe Money-Making Apps

Because online earning is popular, there are many scammers trying to deceive or steal personal information. Tips for benefits or caution:

**Check Legitimacy:** Before installing, always verify if the app is officially licensed. For example, Mitrade is licensed by ASIC ###check on ASIC’s website(, VPS is licensed by the Vietnamese Securities Commission. Check reviews on Google Play - if below 3.5 stars, be cautious.

**Avoid Suspicious Signs:**
- Apps asking for excessively high "activation" fees
- Unrealistically high promised profits )>50% per month(
- Lack of clear company info or management address
- Requests for too much personal information

**For Task Apps:** High risk of malware or data theft. Only choose apps with high ratings from reputable sources.

## Conclusion: Choose the Right Money-Making App for You

Today, everyone owns a smartphone, but not everyone knows how to leverage it to earn money. Instead of scrolling social media, spend time on apps that can generate income suitable for your situation.

- **Have plenty of free time?** Try task-based apps
- **Want high profits and have knowledge?** Financial investments )Mitrade, VPS SmartOne( are the fastest routes
- **No experience but want safe income?** FinHay is a good choice
- **Have products to sell?** Open a store on Shopee or Tiki

No matter which method you choose, always remember that online earning is simple but also carries high risks. Equip yourself with knowledge, verify app legitimacy carefully, and never rush to deposit money before understanding how it works. Only then can your phone truly become a "money-making machine."