Top 5 popular mobile apps to earn passive income in Vietnam in 2025

Trends in Earning Money via Mobile - New Opportunities for Part-Time Workers

After years of the pandemic, global working methods have undergone profound changes. The digital era has created countless opportunities for those seeking additional income to use their smartphones to generate revenue. No longer needing to work in traditional offices, you only need a smartphone, complete some surveys, participate in financial transactions, or sell products online to earn income.

Currently, money-making apps have become a legitimate economic sector, no longer just a pastime. For those unsure where to start, this article will help you explore reputable platforms and methods to optimize your earnings.

Three Main Approaches to Earning Money via Mobile

Money-making apps can be divided into three major groups, each suitable for different needs and user capabilities.

Type 1: Complete Small Tasks

This is the most common form with a low entry barrier. Users do not need initial capital or any specialized skills. Tasks include answering surveys, inviting friends to download apps, watching ads, or interacting with content. After completing each task, you will receive rewards ranging from 5,000 to 100,000 VND, depending on the complexity of the task or receive phone top-up cards.

However, this model has a clear disadvantage: the earnings are usually modest and require a significant amount of time from users.

Type 2: Financial Transactions and Investments

This type of app is provided by banks, securities companies, or international financial trading platforms. Instead of visiting traditional branches, you can open savings accounts, buy stocks, or trade international financial assets directly on your phone.

The range of tradable assets is very diverse: from bank savings, stocks of major companies (Apple, Tesla, Amazon), global indices (S&P 500, FTSE 100), digital currencies (Bitcoin, Ethereum), to commodities (crude oil, gold).

Earning potential from this type of app is significantly higher. Bank savings yield 4-7% annually, financial investments can exceed 10% per year. However, the requirements for knowledge and investment experience also increase accordingly.

Type 3: E-commerce

The development of online selling allows anyone to open a store with low initial investment. E-commerce platforms (Shopee, Tiki, Lazada) provide a platform for you to upload products and wait for customers to buy. When a product is sold, you must pay a commission to the platform from 15-20% of the order value.

The benefit of this model is that you can fully control your revenue level — it depends on your product pricing and market demand. However, you need to have actual goods to sell.

Detailed Analysis of Popular Money-Making Apps

Mitrade - Global Financial Trading Platform

Mitrade is one of the best options if you want to explore international financial investment. This company is licensed by the Australian Securities and Investments Commission (ASIC), providing access to over 100 types of financial assets from various markets.

Key advantages:

• Supports iOS and Android
• Free demo account with 50,000 USD virtual money for practice
• CFD features allow you to amplify profits (e.g., if Bitcoin increases by 1%, CFD Bitcoin increases by 10%)
• New users receive bonuses from 10 to 100 USD

How it works: Choose an asset (e.g., Bitcoin), decide to buy or sell, and place an order with your desired amount. When the price hits your target, close the order to lock in profits.

Three-step process:

1. Download the app and register
2. Deposit at least $50 (into your trading account)
3. Look for opportunities and execute trades

VPS SmartOne - Vietnamese Stock Trading Investment

VPS SmartOne is a stock trading app managed by the brokerage company VPS, licensed by the Vietnamese Securities Commission. This platform is highly rated for ease of use and fast order matching.

Main features:

• Specializes in stocks from Vietnam (Vinamilk, Masan, Vingroup, etc.)
• Provides leverage of ½ (lower than international platforms)
• When stock prices increase by 1%, the profit rate is 2%

Although the yield is lower than international platforms, VPS SmartOne remains a safe and reliable choice for those wanting to invest domestically.

FinHay - Savings and Investment Funds

FinHay is an ideal solution for those lacking deep financial market knowledge. Its simple model: you deposit money into an investment fund, let experts manage it for you, and share profits when the fund gains.

Features:

• Annual returns from 5-15%
• Safe for beginners
• Essentially similar to bank savings but with higher yields

However, these returns are significantly lower than direct investments on platforms like Mitrade.

Shopee - Opening an Online Store

Shopee is Vietnam’s largest e-commerce platform. Opening a store is very simple and quick, faster than other platforms like Tiki or Lazada.

Advantages of Shopee:

• Easy registration process
• Attractive selling policies to attract customers
• Large customer base, higher than competitors

Earning model: Simply upload products, wait for customers, deliver goods, and receive payments.

Grab - Cashback via Challenges

Besides ride-hailing services, Grab also offers cashback programs when you complete certain challenges. For example, completing 5 rides will earn cashback from 20,000 to 50,000 VND into your e-wallet.

Detailed Comparison of the Three Money-Making App Types

Risks When Using Money-Making Apps

Along with opportunities, online earning also carries notable risks. Scammers often create fake apps to steal money from inexperienced investors or install malware to steal personal information.

Protection tips:

• Only use apps with legitimate licenses from regulatory authorities
• Check user reviews on Google Play or App Store beforehand
• For Vietnamese stock trading, choose brokers in the top 5 market share
• Research thoroughly before installing and depositing money

For example, Mitrade, licensed by ASIC, can be verified for its license and has a 4.2-star rating on Google Play, ensuring credibility.

Conclusion

Earning money through mobile apps is no longer impossible. Instead of wasting free time scrolling social media, you can use reputable money-making apps to generate extra income. The three main methods are completing small tasks, financial investments, and online selling, each with its own pros and cons.

If you want quick and effective earnings, financial investment is the best choice, with options ranging from bank savings, Vietnamese stocks, to international financial assets. However, always be cautious, thoroughly research apps before use, and equip yourself with necessary knowledge to avoid falling victim to scams.