2025: Which Online Money-Making Apps Are Truly Profitable for Vietnamese Users?

Since the COVID-19 pandemic, the way people seek income has changed dramatically. No need to leave home, just with a smartphone, you can participate in trading activities, surveys, or online selling to generate additional cash flow. The online earning trend has developed into a real industry, with millions of Vietnamese participating. However, not all apps deliver the same results. This article will help you understand how earning apps work and point out which applications are worth trying.

How to Make Money from Your Phone? Three Main Models

The online earning app industry today is divided into three main types, each with different mechanisms and risk levels.

Group 1: Task-Based Apps - Simple but Time-Consuming

This is the easiest way to earn money online. You don’t need initial capital or special skills. Just complete tasks like answering surveys, watching ads, inviting friends to download the app, and you will receive rewards ranging from 5,000 VND to 100,000 VND depending on the difficulty of the task. However, to earn a decent amount of money, you need to spend a lot of time, and total income is usually not high.

Group 2: Financial Investment Apps - Higher Profitability Speed

These are apps from banks, securities companies, or financial trading platforms that allow you to perform investment transactions directly from your phone. Instead of going to a bank branch, you open an account and start trading within minutes. This model offers higher profit potential:

• Bank savings: 4% - 7%/year
• Investing in Vietnamese stocks or international assets: over 10%/year

However, the higher the profit, the more you need to understand the financial market.

Group 3: E-Commerce Apps - Self-Controlled Income

E-commerce platforms allow you to open a store with low investment capital. When you sell products, you must pay a commission of 5% - 20% to the platform. Income depends on your product’s selling price and customer demand. This is a suitable choice if you want to run a real business.

Comparing the Three Online Money-Making App Types

Top 5 Most Reputable Online Money-Making Apps Today

1. Mitrade - Invest in 100+ Global Financial Assets

Mitrade is an international trading platform licensed by ASIC (Australian Securities and Investments Commission). This app is suitable if you want to access international financial markets.

Highlights:

• Trade over 100 asset types: stocks (Apple, Tesla, Amazon), indices (S&P 500, FTSE 100), cryptocurrencies (Bitcoin, Ethereum), commodities (oil, gold)
• Leverage ratio 1/10, meaning you only need to put up 1/10 of Bitcoin’s value to buy 1 CFD Bitcoin
• When Bitcoin rises 1%, CFD Bitcoin increases by 10%
• Free demo account with 50,000 USD virtual funds for practice
• New users receive a bonus from 10 USD to 100 USD

How to earn: Step 1: Download the app (supporting iOS and Android), Step 2: Choose an asset to invest and place a buy order, Step 3: Close the order to take profit when the price hits your target.

Requirement: Deposit a minimum $50 to start real trading.

2. VPS SmartOne - Trade Vietnamese Stocks

VPS SmartOne is a stock trading app from VPS brokerage company, licensed by the Vietnamese Securities Commission. If you want to focus on the Vietnamese market, this is a good choice.

Highlights:

• User-friendly trading platform with fast order execution
• Trade Vietnamese stocks like Vinamilk (VNM), Masan (MSN), Vingroup (VIC)
• Leverage ratio 1/2, lower than Mitrade but still generates 2% profit when stocks increase by 1%

3. FinHay - Savings Investment for Beginners

FinHay is a perfect solution if you lack deep investment knowledge. You just need to deposit money and let investment fund experts do the work for you.

Highlights:

• Trust model: investment funds managed by professionals sharing profits
• Yield: 5% - 15%/year, higher than bank savings
• Lower risk compared to self-investment

4. Shopee - Open an Online Store

Shopee is Vietnam’s largest e-commerce platform, with a simple and quick store setup process compared to others.

Highlights:

• Easy store opening procedures
• Large customer base thanks to frequent promotions
• Larger customer base than Tiki, Lazada

Earning mechanism: Post products, connect with buyers, deliver goods, and receive payments. Shopee deducts a commission before transferring money to you.

5. Grab - Earn Money Through Challenges

Grab is not only a ride-hailing app but also offers cashback promotions when you complete certain tasks.

Mechanism: When you complete a certain number of rides (e.g., 5 rides), Grab will refund an amount (20,000 VND - 50,000 VND) into your e-wallet.

Warning: Risks When Making Money Online

Although earning money online is easy, there are many scams:

• Fake apps: Financial investment apps are often faked or operated by unlicensed companies to steal deposits.
• Viruses and data theft: Some task apps may contain viruses that steal personal data from your phone.
• Unreliable trading platforms: Before choosing, check:
  • If the platform is licensed by authorities like ASIC, Vietnamese Securities Commission(
  • Reviews on Google Play or App Store
  • For Vietnamese stocks, only choose top 5 brokerage firms by market share like VPS

Conclusion

Making money with earning apps is truly feasible, but you need to choose methods suitable for your situation. If you want quick profits, consider financial investment apps like Mitrade or VPS SmartOne. If you have time but limited investment knowledge, start with FinHay or task-based apps. If you want a real business, Shopee is a good choice.

Most importantly, always be cautious, thoroughly research earning apps before installing, and only use licensed applications with good reviews from the community.