2025 Comprehensive Guide to Online Money-Making Apps on Mobile Phones in Vietnam

Since the COVID pandemic changed the entire business landscape, the digital economy has become an irreversible trend. With a smartphone, anyone has the opportunity to participate in online earning activities—from simple tasks like filling out surveys to more complex financial investments. This article will analyze in detail the popular ways to earn money online and help you understand how to choose the most suitable method for your needs.

The Three Main Types of Online Earning Methods

Not all earning apps operate on the same model. Currently, these applications are divided into three main groups based on their earning mechanisms and user requirements.

Task-Based Apps

The first group of earning apps operates on the basis of completing specific tasks. This model does not require any initial investment or specialized knowledge. Users only need to perform assigned tasks such as answering surveys, watching ads, inviting friends to install the app, or participating in promotional events. Upon completing each task, you will receive a reward ranging from 5,000 VND to 100,000 VND depending on the complexity.

The advantage of this method is easy access and no need for in-depth knowledge. However, the clear downside is relatively low income and time-consuming. Additionally, users should be cautious with unfamiliar apps as they may contain viruses or be designed to steal personal information.

Financial Investment Apps

The second type includes platforms that allow you to trade and invest in various financial assets. These earning apps include banking apps for savings deposits, Vietnamese stock trading platforms, as well as international asset trading exchanges. Each type has different profit potentials:

• Bank savings deposits: offer interest rates from 4% - 7% annually, the safest but with the lowest returns
• Vietnamese stock investments: have higher profit potential depending on trading strategies
• International asset investments: provide access to multiple markets and diverse financial instruments

Note that when participating in transactions, you will incur transaction fees. Bank fees typically range from 50,000 VND to 200,000 VND, while stock trading fees are usually 0.01% - 0.03% of the transaction value. Another important factor is that some platforms use leverage mechanisms, allowing you to earn faster but with higher risks.

E-commerce Apps

The third group comprises e-commerce platforms where you can open a store and sell online. You need to have products to sell, then list them on these platforms and wait for customers to place orders. When an order is made, the platform deducts a commission of about 15% - 20% from the order value.

Profits from this method depend entirely on market demand and your business skills. To succeed, you need to:

• Find products with genuine demand
• Price competitively while maintaining profit
• Build a good reputation through quality service
• Use multiple platforms simultaneously to expand your market

Comparing Online Earning Methods

Popular Earning Apps on the Market Today

Stock and Financial Trading Platforms

The financial investment market features professional apps licensed by securities companies. These platforms provide access to the Vietnamese stock market as well as international financial tools. They typically offer:

• Stock trading with fast order matching
• Free demo accounts for practice
• Market analysis tools
• Support for trading multiple asset types

To choose a reliable platform, you should:

• Verify if the company is licensed by a legitimate regulatory authority
• Read user reviews on app stores
• Confirm the company’s market share in trading
• Understand all fees involved before starting

Investment Portfolio Management Apps

Besides direct trading, you can also choose platforms that allow entrusted investment in professional funds. This model suits those without trading experience but still want to participate in the market. You deposit money and let experts manage it, then share profits when the fund gains profit. The return rate usually ranges from 5% - 15% annually, higher than bank savings but lower than autonomous trading.

Online Selling Platforms

Vietnam’s e-commerce market has many large trading platforms offering store setup services with simple procedures. These platforms often:

• Have a large customer base
• Regularly organize promotional campaigns
• Provide marketing tools for sellers
• Have review systems and direct customer contact

To succeed in selling on these platforms, you need to prepare:

• Quality products with genuine demand
• Professional product photos
• Detailed and attractive product descriptions
• Competitive pricing strategies
• Good customer service

Cashback and Promotion Apps

Some service apps (like ride-hailing, delivery) offer cashback programs when you use their services. You complete certain tasks (e.g., 5 trips), then receive a certain amount back into your e-wallet. This model combines real service usage with financial incentives.

Important Warnings When Using Earning Apps

The popularity of earning apps has created an ideal environment for scammers. Some risks you need to be aware of:

Financial Scams

Fake or unlicensed investment platforms often appear, promising high returns but actually stealing investors’ money. To avoid this:

• Always verify the company’s license before depositing money
• Check if the company is officially licensed by a regulatory agency
• Read the terms of use carefully
• Research positive/negative reviews on app review platforms

Data Security Risks

Task-based apps may contain malware:

• Install unfamiliar apps without proper checks
• Do not review app permissions thoroughly
• Skip reading the terms of use

To protect yourself:

• Only download apps from official app stores
• Review the permissions requested by the app
• Check download counts and star ratings
• Use antivirus software on your phone

Transaction Risks

When engaging in financial transactions:

• Never deposit all savings into a single platform
• Start with small amounts to learn
• Avoid high leverage if you do not understand the risks
• Always have a risk management plan

Conclusion

Online earning apps have become an integral part of the digital economy. Instead of just scrolling social media on your phone, you can leverage this device to generate additional income.

The three main forms—task completion, financial investment, and online selling—each have their own advantages and disadvantages:

• Task completion is suitable for students or those with free time who want quick earnings, though income is low
• Financial investment offers higher profit potential but requires knowledge and experience
• Online selling is a good choice for those with a business mindset

Regardless of the method chosen, the most important thing is to equip yourself with knowledge, always be cautious of risks, and only select reputable, licensed platforms. Making money online is not a quick path to wealth but a supplementary income method if used wisely.