Detailed guide to the 5 most popular money-making apps on smartphones in Vietnam

The Online Money-Making Wave via Smartphone: A Trend Everyone Should Know

The changes following the COVID pandemic have revolutionized how businesses operate. The digital era has opened up new opportunities, with smartphones becoming tools for generating income. From completing small tasks to complex financial transactions, everything can be done right on your handheld screen. Online earning is no longer just a pastime for leisure but has become a genuine industry of the new era. If you are still hesitant, now is the time to understand more about effective online earning methods and how to apply them.

Three Popular Online Earning Application Types: Which One Suits You?

Modern technology allows anyone to participate in business activities: online selling, bank savings, or investing in the stock market—all with just an app. Profitable activities via smartphones can be categorized into three main groups:

First: Task-based earning apps

This is the easiest method for beginners. You don’t need initial capital or professional qualifications. The model is straightforward: complete assigned tasks such as answering surveys, inviting friends to install apps, watching ads, or answering questions, then receive rewards ranging from 5,000 VND to 100,000 VND depending on difficulty. However, despite its simplicity, the income is quite low and requires a lot of time to accumulate.

Second: Financial investment apps

These platforms are provided by banks or securities companies, allowing you to trade directly on your phone instead of visiting branches. This type of online earning app includes: savings accounts (with 4-7% annual interest), investing in Vietnamese stocks, or international financial assets (with returns potentially exceeding 10% annually). But the higher the profit, the greater the financial knowledge required.

Third: E-commerce apps

You can quickly set up an online store on platforms like Shopee or Tiki with low investment costs. After each successful transaction, you pay a commission of 15-20% to the platform. Profitability entirely depends on market demand and your product’s selling price.

Comprehensive Comparison of the 3 Types of Earning Apps

Top 5 Most Highly Rated Online Earning Apps Today

( 1. Mitrade: Trading 100+ Global Assets

If you’re looking for a quick and effective way to earn money online, Mitrade is the top choice. This is an international brokerage licensed by the Australian Securities and Investments Commission )ASIC###, allowing trading of over 100 asset types: stocks (Apple, Tesla, Amazon), indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), commodities (oil, gold).

Key advantages:

• Supports CFDs with 1/10 leverage, meaning you only need to invest 1/10 of the value to earn higher profits
• Free demo account with $50,000 virtual funds for practice
• Receive a $10-(bonus for new registration

How to earn: Step 1: Download the app )available for iOS and Android$100 Step 2: Choose assets to invest in (e.g., Bitcoin in 2025) Step 3: Close the position to take profit when reaching your target

( 2. VPS SmartOne: Leading Vietnamese Stock Investment Platform

VPS SmartOne is operated by VPS Securities, licensed by the Vietnamese Securities Commission. This online earning app is famous for its user-friendly interface and fastest order matching speed in the field.

Features:

• Specializes in trading Vietnamese stocks )Vinamilk, Masan, Vingroup, etc.###
• Leverage of 1/2 (lower than Mitrade but safer)
• Maximum yield of 2% when stock prices increase by 1%

Who should use: Investors wanting to focus on the Vietnamese market with moderate risk.

( 3. FinHay: Investment Solution for Inexperienced Users

FinHay offers fund management services, meaning you don’t need to manage investments yourself but let financial experts handle it. This online earning app is suitable if you lack in-depth knowledge.

Features:

• Yield of 5-15% annually )higher than banks but lower than self-managed trading###
• No need for specialized financial knowledge
• Safe approach similar to savings accounts

( 4. Shopee: Vietnam’s Largest E-commerce Platform

Shopee is an ideal choice if you have products to sell. This platform has a simple and quick store opening process compared to Tiki or Lazada.

Advantages:

• Largest customer base
• Attractive promotional policies
• Fast licensing procedures

Note: Each order will be charged a 15-20% commission to the platform.

) 5. Grab: Earning through Cashback Challenges

Grab is not only a ride-hailing app but also offers cashback promotions. When you complete “challenges” like taking 5 trips, you will receive 20,000-50,000 VND into your e-wallet.

Features:

• No special skills required
• Quick cashback
• Suitable for frequent service users

Risks You Must Know When Earning Money Online

Although it seems simple, the world of online earning apps also harbors many dangers. Scammers often impersonate investment apps or create unlicensed financial companies, then steal investors’ deposits. For task-based apps, the main risk is installing viruses that steal personal information.

How to protect yourself:

• Always check the license of the trading platform ###e.g., Mitrade licensed by ASIC###
• Read reviews on Google Play (search for online earning apps with ratings of 4.0 or higher)
• Only choose securities companies in the top 5 market share of the Vietnamese Securities Commission (like VPS)
• Avoid downloading apps from unofficial sources
• Always review who has rated the app before installing

Conclusion: Change Your Smartphone Usage to Increase Income

Each of us owns a smartphone—an instrument not only for entertainment but also for generating income. Instead of spending hours scrolling social media, you can redirect that time into online earning apps. The three main methods are task completion, financial investment, and selling products. Among them, the fastest way to generate significant profits is through financial investment apps—though requiring more knowledge, the profit efficiency is outstanding.

However, success in online earning depends heavily on careful research and thorough understanding. Before installing any app, take time to verify its credibility, licensing, and user reviews. Only then can you confidently step into the world of online earning apps safely and profitably.