5 trustworthy online money-making apps on mobile phones in 2025: A detailed guide for Vietnamese users

Smartphones have become a potential money-making tool that many people have yet to fully exploit. Instead of spending time scrolling social media, you can turn your phone into an additional income source through reputable online earning apps. The current market offers a variety of options, from global financial trading to online selling or completing small tasks. This article will help you better understand the earning channels and choose the most suitable one for your needs.

The 3 main online earning methods today

Before exploring each app in detail, it’s important to understand the three popular reputable online earning categories:

Category 1: Task-based apps - Suitable for beginners

This is the easiest way to earn money because it requires no investment or in-depth knowledge. You only need to perform simple tasks such as filling out surveys, watching ads, inviting friends, or answering questions. After completing each task, you will receive rewards ranging from 5,000 to 100,000 VND depending on the difficulty. However, this method takes quite a lot of time relative to the profit earned.

Category 2: Financial investment apps - Suitable for experienced users

This method allows you to trade various assets such as stocks, cryptocurrencies, commodities, or certificates. The profit rate is calculated based on the initial capital:

• Bank savings: 4-7% per year
• Stock investment: over 10% per year
• International asset investment: potentially higher

This approach requires market knowledge and involves transaction fees (bank charges 50,000-200,000 VND; trading platforms charge 0.01-0.03% of transaction value).

Category 3: E-commerce apps - Suitable for entrepreneurs

You can open an online store on major e-commerce platforms with low initial capital. Revenue depends entirely on your sales ability, but you must allocate 15-20% commission to the platform on each order.

Top 5 reputable online earning apps in Vietnam

1. Mitrade – Trading 100+ global financial assets

Mitrade stands out as an international broker licensed by the Australian Securities and Investments Commission (ASIC). This platform allows you to trade over 100 types of assets including international stocks (Apple, Tesla, Amazon), stock indices, cryptocurrencies (Bitcoin, Ethereum), and commodities (oil, gold).

Key advantages:

• Leverage mechanism of 1/10 amplifies profits (a 1% price increase results in 10% profit)
• Free demo account with 50,000 USD virtual funds for practice
• New users immediately receive a bonus of 10-100 USD
• Minimum deposit required for trading $50

How to earn: Choose the asset to invest in, predict price trends, place buy/sell orders, and take profit when reaching your target.

2. VPS SmartOne – Investing in Vietnamese stocks

VPS SmartOne is the official stock trading app managed by VPS – a brokerage licensed by the Vietnamese Securities Commission. This platform is rated as having a user-friendly interface and the fastest order matching speed on the market.

Features:

• Offers stocks of major Vietnamese companies (Vinamilk, Masan, Vingroup, etc.)
• Leverage mechanism of ½ (lower than Mitrade)
• Max profit of 2% when stock prices increase by 1%
• Suitable for investors focusing on the Vietnamese market

3. FinHay – Automated investment for those without experience

FinHay provides a passive investment solution – you deposit money and let professional investment funds execute trades on your behalf. Returns range from 5-15% annually.

Advantages:

• No need for in-depth financial knowledge
• Safer than self-trading
• Higher returns than bank savings
• Suitable for beginners or those seeking passive income

Disadvantages: Returns are lower than direct investments on Mitrade or VPS.

4. Shopee – Easy online store setup

Shopee is currently Vietnam’s largest e-commerce platform, with a simple and quick store registration process. Its advantages include frequent promotions, a large customer base, and increased sales opportunities.

Business model: List products, connect with buyers, deliver goods, and receive payment after deducting platform fees (15-20%).

5. Grab – Cashback when using services

Besides ride-hailing, Grab offers cashback challenges. For example, completing 5 rides can earn you 20,000-50,000 VND into your e-wallet.

Features: This is a combined promotional method where you earn money while using the service, ideal for frequent users.

Comparing the three reputable online earning app categories

Risks to be aware of when using earning apps

Along with online earning opportunities, you must also face many potential dangers:

Fake apps: Many trading platforms are counterfeit, aiming to steal investors’ deposits. Before installing, always verify if the company is officially licensed and check reviews on app stores (Mitrade has a 4.2-star rating on Google Play as a sign of credibility).

Viruses and personal data loss: Task apps pose high security risks. Only download from official sources like Google Play or App Store.

Lack of knowledge: Financial trading requires market understanding. If unsure, start with demo accounts or choose automatic investment funds like FinHay.

Unlicensed companies: For Vietnamese securities, only choose top 5 brokerage firms officially licensed by the Vietnamese Securities Commission, such as VPS.

Conclusion

Making money on your phone is no longer just a dream but a feasible reality. You can start with task-based methods if seeking an easy approach, or venture into financial investment if you have knowledge and capital. With three main options – task completion, financial investment, and online business – there are reputable online earning apps suitable for all needs.

However, always remember that quick online earnings carry many risks of scams. Equipping yourself with full knowledge, thoroughly checking all app and company license information, especially for financial apps, is the first step to protecting your assets. Only when you fully understand the reputable online earning app you choose can you confidently optimize your income from your phone.