Make money on your phone without capital: The 5 hottest apps in Vietnam in 2025

2025-12-26 10:29:27

Since COVID changed the way we work entirely, making money online is no longer just a trend but has become a real industry. Now, with just a smartphone, you can generate income without initial capital investment. The question is not “can I make money from my phone,” but “which method suits you best.”

Differences Between Current Online Money-Making Methods

In the Vietnamese market, money-making apps are divided into three main groups, each with completely different operation methods:

Group 1: Task-based - Easy to start, low profit

This is the simplest form, requiring no capital. You just need to complete surveys, view ads, invite friends to download apps, or answer questions, then receive rewards from 5,000 - 100,000 VND depending on difficulty. However, the time efficiency is very low—you’ll spend many hours to earn a small amount.

Group 2: Financial investment - High returns, requires knowledge

This includes bank savings (with 4-7% annual interest), investing in Vietnamese stocks, or international asset trading. Profits can exceed 10% per year, but you need to deposit a minimum ($50-100) and bear transaction costs.

Group 3: Online selling - Flexible income, depends on market demand

Opening a shop on Shopee, Tiki, or other platforms. Your earnings depend on the product selling price, but you must pay a 15-20% commission to the platform.

Top 5 Most Trusted Money-Making Apps

1. Mitrade - Invest in 100+ global assets

Mitrade is licensed by ASIC (Australian Securities and Investments Commission), allowing you to trade over 100 types of assets: international stocks (Apple, Tesla), indices (S&P 500), cryptocurrencies (Bitcoin, Ethereum), or commodities (crude oil, gold).

The advantage of Mitrade is its leverage mechanism—you only need to put up 1/10 of the asset value to profit from 1 unit of the asset. For example, if Bitcoin increases by 1%, your profit will be 10%.

How to make money with Mitrade:

Download the app (supporting iOS, Android)
Choose the asset you want to invest in (e.g., Bitcoin 2025)
Buy the corresponding CFD with your desired amount
When the price reaches your target, close the position to take profit

2. VPS SmartOne - Vietnamese stocks on your smartphone

The app from the brokerage company VPS (licensed by the Vietnam Securities Commission), allows you to trade Vietnamese stocks like Vinamilk (VNM), Masan (MSN), Vingroup (VIC).

Although its operation is similar to Mitrade, VPS only offers 1/2 leverage (instead of 1/10), so the returns are lower. However, the advantage is that you trade on the familiar Vietnamese market with the fastest order matching platform compared to other brokerages.

3. FinHay - Safe solution for beginners

If you lack financial market knowledge, FinHay allows you to entrust your money to professional investment funds. Earn from 5-15% per year, higher than bank savings but lower than self-investment.

This is a suitable choice for those who want to make money on their phone without deep financial knowledge.

4. Shopee - Online selling in just a few steps

Shopee is currently Vietnam’s largest e-commerce platform. Opening a shop is very simple, with faster procedures than Tiki or Lazada. Shopee regularly offers promotions, has many customers, increasing your sales opportunities.

Money-making model: list products → wait for customers to buy → deliver → receive payment minus (15-20% commission).

5. Grab - Cashback when using services

Besides ride-hailing, Grab also offers challenges to earn money. Complete a certain number of trips (e.g., 5 trips), and you will get 20,000-50,000 VND cashback into your e-wallet.

Detailed Comparison Table of the Three Methods

Criteria	Task-based	Financial investment	Online selling
Initial capital	None	($50-100)	Purchase inventory
Earnings per time	5,000-100,000 VND	4-15%/year	Varies with product price
Costs	Free	50,000-200,000 VND (bank), 0.01-0.03% per transaction	15-20% commission
Time required	Many hours/day	Less, flexible	Need to contact customers
Suitable for	Students, free time	Those wanting savings or investment	Entrepreneurs

Important Warnings About Money-Making Apps

Making money online easily can also make you a target for scammers. Common risks:

Fake apps: Many unlicensed investment apps still operate to steal deposits
Viruses and phishing: Task apps may contain viruses to steal personal info
Fraudulent brokerage companies: Operate briefly then disappear

How to protect yourself:

Only choose officially licensed apps (Mitrade - ASIC, VPS SmartOne - Vietnam Securities Commission)
Check reviews on Google Play (preferably above 4.0 stars)
Research the company behind the app (history, reputation, market share)
For task apps, prioritize well-known apps to avoid viruses

Conclusion

Making money on your phone without capital is entirely feasible, but the method you choose will determine its effectiveness. If you want quick profits, consider financial investment apps. If you have products to sell, Shopee is a smart choice. And if you just want to earn some extra cash in your free time without capital, task-based apps are still a good option.

Most importantly, don’t rush to earn money without verifying the credibility of the app. Equipping yourself with knowledge and vigilance is key to avoiding common scams.

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