Top 5 Mobile Money-Making Apps Trending in Vietnam in 2025 Guide

During the pandemic, business models underwent profound changes. In the digital age, a smartphone is enough to change your income method. Whether it’s filling out surveys, participating in online transactions, or making investment operations, earning money through mobile phones has evolved from a niche choice to a new industry form. If you haven’t yet explored this field, now is the perfect time to learn about the most trusted mobile earning apps today.

The Three Main Types of Mobile Money-Making Apps

With technological advances, smartphones have become versatile tools for generating income. You can sell products online, open online stores, set up savings accounts, or even trade stocks—all through mobile applications. The operation modes of mobile earning apps are diverse but can be divided into three main categories:

Type 1: Task Completion Apps

This type of app offers a relatively simple way to earn money, requiring no large initial investment or special skills or educational background. Users are rewarded after completing specific tasks. These tasks include filling out questionnaires, inviting friends to download the app, watching ads, or answering questions. After completing each task, users typically receive a reward ranging from 5,000 to 100,000 VND, depending on the difficulty. While operation is convenient, the earnings are relatively low and time-consuming.

Type 2: Investment and Financial Management Apps

These apps are mainly provided by banks or securities companies, allowing users to perform investment transactions on their phones. Users can open savings accounts, trade stocks, or invest in international financial assets without visiting a branch. The types of investment apps are diverse, from bank apps to domestic stock trading platforms and international financial asset trading tools. Savings yields are the lowest (4%-7%), domestic stock investment yields are moderate, and international financial asset investment yields are the highest (over 10%). However, as yields increase, the required financial knowledge and market understanding also grow.

Type 3: E-commerce Apps

The development of e-commerce platforms has made setting up online stores simple and efficient, with relatively low initial investment costs. Users only need to create a store on e-commerce platforms (such as Shopee, Tiki, etc.), upload product information, and wait for customer orders. Vietnam has multiple e-commerce platforms, and users can operate on several simultaneously to expand customer reach. Each sale requires paying a platform commission of 5%-20%. These apps require users to have actual products, and earnings depend on pricing and sales performance.

Detailed comparison of the three app types

Initial Investment Cost

• Task-based: No investment needed
• Investment-based: Requires initial capital
• E-commerce: Needs to purchase inventory

Expected Earnings

• Task-based: 5,000-100,000 VND per task
• Investment-based: Bank savings 4%-7%; financial investments over 10%
• E-commerce: Determined by user pricing

Application Usage Fees

• Task-based: Free
• Investment-based: Bank fees 50,000-200,000 VND; transaction fees 0.01%-0.03%
• E-commerce: Platform commission 15%-20%

Overall Evaluation

• Task-based: Easy to operate but time-consuming, limited income
• Investment-based: Time-efficient, good returns, requires ongoing market attention
• E-commerce: Income depends on market demand, requires active management

Suitable Audience

• Task-based: Students, school students, and people with ample free time
• Investment-based: People with investment and savings needs, possessing financial knowledge
• E-commerce: Entrepreneurs with a desire to start a business

Top 5 Popular Mobile Money-Making Apps in Vietnam

1. International Investment Trading Platform - Multi-Asset Investment Solutions

Making money through financial investment apps is currently the fastest and most efficient method. International investment trading platforms offer over 100 financial assets for investment, including stocks (Apple, Tesla, Amazon, etc.), stock indices (S&P 500, FTSE 100, etc.), cryptocurrencies (Bitcoin, Ethereum, etc.), and commodities (oil, gold, etc.). You can invest in multiple international markets with a single app, greatly enhancing convenience.

The investment process usually includes: downloading the app, selecting financial assets for investment (e.g., Bitcoin in 2025), setting the investment amount, and waiting for the price to rise to the target level before closing the position for profit. These platforms often provide leverage tools, allowing investors to amplify their profit potential.

2. Domestic Stock Trading Apps in Vietnam - Local Market Investment

Vietnamese securities companies offer trading apps that allow users to invest in stocks of listed local companies, such as well-known enterprises. These apps typically feature user-friendly interfaces and fast transaction execution. Compared to international platforms, these apps offer lower leverage, so the profit multiples are smaller. Investors seeking higher returns need larger initial investments.

3. Fund Custody Investment Apps - Passive Income Solutions

For users lacking financial knowledge and investment experience, fund custody apps provide an ideal solution. Users only need to deposit funds and entrust them to professional fund managers for management, receiving dividends periodically. The annual yield of such apps usually ranges from 5%-15%, between bank savings and active investments. Although the returns are lower than active investments, the risks are relatively low, suitable for conservative investors.

4. Shopee - Convenient E-commerce Startup Platform

As Vietnam’s largest e-commerce platform, Shopee offers a simple and quick process for opening a store, with clear advantages over other platforms. Shopee frequently launches promotional policies for merchants, attracting a large customer base. Entrepreneurs only need to list products, complete transactions, and ship goods to receive payments. Due to its convenience and active user base, Shopee is a preferred platform for many e-commerce entrepreneurs.

5. Grab - Task Rewards and Cashback Program

Grab, a well-known ride-hailing app in Vietnam, also offers task reward and cashback features. Users participating in various activities can earn cashback by completing a certain number of trips. For example, completing 5 trips can earn 20,000-50,000 VND, directly deposited into the Grab wallet. This mode is essentially a user incentive program encouraging continued use of the service.

Important Tips for Using Mobile Money-Making Apps

While mobile earning is convenient and fast, it also attracts many scammers. Common frauds include fake investment apps, unlicensed financial companies, and malicious apps. Risks involve losing funds and personal information theft.

Before choosing an app, it is recommended to take the following measures:

• Verify the legality and licensing status of the app
• Check user reviews and ratings (prefer apps with 4 stars or above)
• Choose regulated financial platforms
• For domestic stock trading, only select companies licensed by the Vietnam Securities Commission and among the top five in market share
• Before downloading, check app permissions requests and beware of apps requesting excessive personal information

Caution is essential when choosing mobile earning apps; understanding their background is the basic safeguard for usage.

Summary

Smartphones have become everyday tools for everyone. Why not turn your social media scrolling time into an income-generating opportunity? Mobile earning apps mainly fall into three categories: task completion, investment and financial management, and e-commerce sales. Among these, financial investment apps offer the fastest and most efficient way to make money. Users can choose from bank savings, domestic stock investments, or international financial assets.

However, the convenience of mobile earning also hides risks of scams and information theft. Therefore, thoroughly understanding the background and user reviews of any earning app before installation is crucial. Safe and rational choices are the foundation for sustained earning.