Complete Guide: The 5 Most Prominent Money-Making Apps on Mobile Phones in Vietnam in 2025

After the pandemic, the way of making money has fundamentally changed. With a smartphone in hand, you can participate in surveys, online trading, or selling goods without leaving home. Since then, earning money online is not just a trend but has become a separate industry. If you are still neglectful, you may miss out on additional income opportunities. This article will help you better understand reputable money-making apps on phones and how to choose the right one.

Technology opens up new earning opportunities

Thanks to the development of digital platforms, you can now open an online store, create investment accounts, or trade stocks directly from mobile apps. These activities are collectively called online earning. There are many forms of money-making apps on phones, but they can generally be divided into three main groups.

The three main methods of money-making apps on phones

Group 1: Task completion apps

This is the easiest way to earn money, requiring no initial capital or professional skills. You only need to perform simple tasks such as answering surveys, inviting others to download apps, watching ads, or answering questions. Each completed task will be rewarded with cash or phone cards from 5,000 VND to 100,000 VND depending on difficulty.

However, this method has a significant drawback: the earnings are quite low and it takes a lot of time. Therefore, it is only suitable for those with plenty of free time like students or schoolchildren.

Group 2: Financial investment apps

These are platforms from banks or securities companies that allow you to trade directly from your phone. Money-making apps of this type are very diverse, from bank savings apps, domestic stock investments, to international financial asset trading.

Profitability varies: bank savings have the lowest rate (4% - 7% per year), Vietnamese stocks are average, while international asset investments have the highest potential (over 10% per year). Corresponding to the level of profit, the financial knowledge requirements also increase gradually.

Group 3: E-commerce apps

E-commerce is developing strongly today, and you can open an online store with low investment. Trading platforms like Shopee, Tiki, or Lazada allow you to create a storefront, list products, and sell. Income depends on your product’s selling price, but you must pay a commission fee of 15% - 20% to the platform when you have orders.

Detailed comparison of the three earning methods

Task completion apps have the advantage of requiring no capital, being free to use, and simple tasks, but the downside is that they are time-consuming and offer low income. Suitable for students and schoolchildren.

Financial investment apps require initial capital (bank 50,000 - 200,000 VND, with transaction fees of 0.01% - 0.03% of the value), but can earn more money and save time. Suitable for those who want to save or have investment knowledge.

E-commerce apps require investment in purchasing goods, with a commission fee of 15% - 20%, but your income is determined by your selling price. Suitable for people who want to run a business and have products to sell.

Top 5 popular money-making apps on phones

1. Mitrade - A platform for investing in 100+ global assets

If you are looking for a quick and effective way to make money, financial investment is the optimal choice. Mitrade is a reputable international broker licensed by the Australian Securities and Investments Commission (ASIC).

On this app, you can trade over 100 types of assets: international stocks (Apple, Tesla, Amazon), indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), or commodities (crude oil, gold). The big advantage is that you only need 1/10 of the actual value to trade CFDs, amplifying profits.

Usage process:

• Download the app (iOS/Android), register an account
• Choose the asset you want to invest in (e.g., Bitcoin)
• Place buy/sell orders at suitable prices
• Take profit when reaching your target

A free demo account provides 50,000 USD virtual to practice. New users receive a bonus from 10 USD to 100 USD upon registration.

2. VPS SmartOne - Easy stock trading in Vietnam

VPS SmartOne is a stock trading app licensed by the Vietnamese Securities Commission, managed by VPS Securities. This platform stands out for its user-friendly interface and the fastest order matching speed compared to others.

You can trade Vietnamese stocks such as Vinamilk (VNM), Masan (MSN), Vingroup (VIC). However, VPS’s leverage is only 1/2 instead of 1/10 like Mitrade, so the profit amplification is less. When the price increases by 1%, the profit only increases by 2%.

3. FinHay - Safe investment solution for beginners

If you lack deep knowledge of the financial markets, FinHay is a suitable choice. You only need to deposit money and entrust it to professional fund managers, then receive profit sharing.

Return rates range from 5% - 15% per year, higher than bank savings but lower than direct investment. This is considered a safe option for those without experience.

4. Shopee - Quickly open an online storefront

Shopee is the largest e-commerce platform in Vietnam today. Opening a storefront is simple and quick, with many attractive promotional policies. The app’s interface is also very friendly, helping you connect with more customers compared to Tiki or Lazada.

To earn money on Shopee, just list your products, wait for customers to buy, deliver, and receive payment. This is a good way to make money if you have products to sell.

5. Grab - Cashback through promotional programs

Grab is not just a ride-hailing app. It also offers many cashback challenges when you use its services. For example, completing 5 rides can earn back 20,000 VND - 50,000 VND into your e-wallet.

This is a convenient promotional method for those who frequently use transportation services.

Important warnings when using money-making apps on phones

Although money-making apps on phones offer great opportunities, they also carry many risks:

Fraud and impersonation: Investment apps are often faked or operated by unlicensed financial companies aiming to steal deposits from inexperienced investors.

Security risks: Some task completion apps may install viruses to steal personal information from your phone.

How to protect yourself:

• Always check the app’s license from the regulatory authority (ASIC for Mitrade, the Vietnamese Securities Commission for VPS)
• Read user reviews on Google Play or App Store (prefer apps with ratings of 4.0 stars or higher)
• Only choose securities companies with a trading market share in the top 5 if investing in Vietnamese stocks
• Avoid downloading apps from unknown sources, only use official app stores
• Do not share personal information or OTP codes with anyone

Conclusion

Everyone owns a smartphone, so why not leverage it to earn extra income instead of just using it for social media? The three main methods of money-making apps on phones (task completion, financial investment, online selling) each have their own advantages and disadvantages.

Among them, the fastest and most effective way to earn money is through financial investment apps. You can choose to save in banks, invest in Vietnamese stocks, or international assets depending on your goals and knowledge.

However, alongside great opportunities, there are also many scams. Therefore, equipping yourself with sufficient knowledge about money-making apps on phones and researching thoroughly before installing any app is essential.