Which money-making apps are actually worth your time? Everyone is looking to put a little extra cash in their pocket. This is where money-making apps for android/ios come into play — they’re a great way to improve your money-making muscle.
With the development of money-making apps, came an increase in job creation and earning. This has helped many people make ends meet by adding extra money to their income. Many people are making extra side income that sorts out some of their needs from doing tasks on apps that pay them.
Today, smartphone apps are offering a whole new way to earn real money. This money-making app won’t get rich, but you can earn some spending money while building your overall financial strength.
Figuring out which money-making apps are worth your time and effort can be a time-consuming task. So, we’ve done some of the homework for you! (Of course, you’ll have to use your own instinct when it comes to figuring out which apps you feel most comfortable using to make extra cash).
To get started, here is the list of 40+ money-making apps available for iOS and Android.
Money-Making Apps For Android/IOS
The money-making apps listed below are mostly free to download and install on your mobile device. They include iOS and Android apps that fall in the following categories:
- The Best Personal Finance Apps
- The Best Survey Apps
- The Best Earning Cash-back Apps
- The Best Side Hustle Apps
- The Best Passive Income Apps That Pay
- Other Money Making Apps For Android/IOS
Read on to learn about the Best International Money Transfer Apps for iOS and Android
Best Personal Finance Apps For Money Making for Android/IOS
These savings and personal finance Android and iPhone apps can help you make money starting right and some even offer cash bonuses for just signing up.
1. EQ Bank
If you want a bank that has a high saving interest rate that is always one of the best, consider EQ Bank.
With a 1.25% interest rate that is non-promotional coupled with free and unlimited debits, this online bank always stands out.
STACK is a free app that pays you cashback when you spend using stack prepaid Mastercard that waives the foreign transaction fee.
You can easily load the prepaid card and use it to shop while abroad without worrying about FX conversion fees or ATM withdrawal fees.
In addition, cardholders get access to cashback at more than 140 stores, including Amazon, Netflix, Adidas, and more.
STACK is completely free to use and you can sign up for a $5 cash bonus.
Mogo is a fintech company offering free credit scores, personal loans, mortgages, and cryptocurrency trading.
If you are looking to trade Bitcoin using the platform of a company that is listed on the Toronto Stock Exchange, the Mogo app is for you. You can also use the app to monitor your credit score and report for free.
You will get a free credit score when you get their free prepaid card
Tangerine Bank is Canada’s most popular online bank with no-fee chequing and high-interest savings rates.
You can open a free savings account and earn a high-interest rate plus a bonus when you open a free chequing account.
All your banking transactions can be completed using their mobile app.
The Best Survey Apps For Making Money
One common way to make money from your smartphone is by taking surveys.
To get started, just download one of the survey apps below on your smartphone. Then, when a survey is available for you to complete, you’ll get a notification.
After you carry out the survey, you’ll either accrue points that are redeemable for free gift cards or earn cash you can transfer to PayPal or a bank account.
Here’s a list of the best-rated survey apps to make money.
5. Survey Junkie
Survey Junkie has been regarded as one of the best market research companies for years and One of the most well-known and highest-rated online survey sites.
With over 10 million members, high ratings from real app users, and a minimum payout of just $5, Survey Junkie is a must-have money making app for android/ios.
Survey Junkie is straightforward to use and you can earn a tidy amount of money from completing surveys on a daily basis.
Minimum withdrawal: 500 points gets you a $5 transfer to your PayPal account or can be redeemed for gift cards.
This free rewards site is one of the best market research panels out there.
Related: How to Make Money on TikTok in 2022- 11 Uncommon Ways
Swagbucks rewards you with points when you complete some activities. While you have the ability to take surveys on Swagbucks, there are also a number of other simple tasks you can do to make money, such as watching videos ads, surfing the internet, playing games, and getting cash-back for shopping online and more.
Given that this site has paid its members more than $650 million over the years, we can easily rank it as one of the best sites for generating side income.
This variety of tasks makes it easy to earn. The points you earn are called SB and can be redeemed for gift cards and PayPal cash. You will also get $5 when you sign up
Minimum withdrawal: $3 through PayPal or for select gift cards.
7. Ipsos I-Say
Ipsos is one of the world’s largest and most well-known consumer research companies which is based in France. As with Swagbucks and Survey Junkie, the i-Say program is free to join and lets you earn money by taking paid surveys.
What’s unique about i-Say is that it also has a product testing component: the company will sometimes send you free products to try out in exchange for your feedback and insights.
While these opportunities don’t come along every day, they can be a fun way to try new things — and the products themselves (which are yours to keep) are often worth more than the few minutes it takes to share your thoughts.
Minimum withdrawal: $10 via gift card, $15 via PayPal.
8. Google Opinion Rewards
A great survey app for when you only have an extra 10 minutes. Google Opinion Rewards is known for its short surveys, which offer a maximum payout of $1.
You can then transfer rewards to your PayPal or Google Pay account. In addition, you can use your rewards to get free Google Play codes.
The downside to Google Opinion Rewards is that surveys are sporadic, ranging anywhere from one per day to one per month.
Minimum withdrawal: $2.
InboxDollars is another common money making app for android/ios that lets you earn money through surveys as well as a variety of other tasks.
What’s cool about InboxDollars is that you get rewarded in real money (not points) for the activities you complete
In addition, you will get a $5 sign-up bonus when you sign up.
Minimum withdrawal: $30 to cash out.
10. Daily Rewards
DailyRewards is a get-paid-to site that is operated by Prodege, the same company that runs Swagbucks. You can earn cash on the site when you take paid surveys, play games, and watch video ads.
New members get a $5 bonus after signing up.
Cash back apps pay you to shop. Whether you do your shopping online or in the store, there’s a free cash back app (iPhone and Android) that can put money back in your wallet.
These money making apps offer you the chance to earn cash rewards and/or save money on the stuff you were already going to buy.
Also, many of the apps listed below are stackable. That means you can redeem one offer multiple times on different apps to earn big.
Here are the best apps for earning cash back on both in-store and online purchases.
11. Capital One Shopping
Capital One Shopping allows you to earn shopping credits that can be redeemed for gift cards rather than cash-back.
While you’ll also want to download the desktop browser extension, the Capital One Shopping app allows you to earn rewards when shopping online, easily apply coupon codes, and compare prices for the same products among other retailers — all from your phone.
Also, when shopping in-store, you’re able to scan barcodes to look for online deals for that product.
Minimum withdrawal: Rewards be redeemed for gift cards with no minimum withdrawal.
Drop app automatically tracks your online purchases and credits cash back to your account.
After you sign up and add your debit or credit card, simply shop offers available on the app. You do not need to scan or upload receipts.
Over 3 million people use Drop and this is one of the best iPhone apps that pay you money.
Sign up for Drop and get $5 after linking your card
Ibotta started out as a grocery coupon app but has expanded into both retail and online cash-back. Altogether, Ibotta has paid out over $860 million in rewards.
This is how it works: you use the app to scan the barcode of the product you purchased at the store and then you upload a photo of your receipt. After that, you’re done! It’s that simple.
You can earn a $5 welcome bonus by singing up and uploading your first receipt.
Minimum withdrawal: $20 in cash transferred to Venmo or PayPal.
14. Checkout 51
This grocery shopping app is also like Ibotta and works well for grocery shopping in Canada and the United States.
Download the app and watch out for new offers every week. Redeem cash back offers by purchasing the item at your favorite store and uploading your receipt using the app.
Cash back is credited to your account within days and you can cash out when it reaches $20.
Minimum withdrawal: $20
15. Fetch Rewards
Unlike many grocery receipt scanning apps, Fetch Rewards works at any store, as you earn points whenever you purchase products from a participating brand. There are no barcodes to scan or coupons to clip.
The big downside to Fetch is that you’re only allowed to redeem your points for gift cards. But with stores like Target and Amazon among the options, that’s not too much of a loss.
You can earn a 3,000 bonus point bonus by signing up.
Minimum withdrawal: 3,000 points gets you a $3 gift card.
Rakuten is one of the highest-rated cashback apps for both iPhone and Android. With online shopping playing a more prominent role in our lives than ever, the Rakuten app is a must-have in 2022.
With Rakuten, you can earn up to 40% cash-back when you purchase products at over 2,500 stores (both in-store and online).
When you shop online, Rakuten (which was formerly known as Ebates) shares its referral commission with you any time you make a purchase through the provided link.
To make money with in-store purchases you have to link your credit or debit card inside the Rakuten app, and activate each cash-back offer. Then, just check out normally using your linked card.
You’ll get a check from Rakuten once per quarter with your cash-back balance. Simply sign up and visit Rakuten before proceeding to the website of your preferred retailer. Cash back is automatically tracked and credited to your account.
Minimum withdrawal: $5 needed to cash out, with payments being issued four times per year.
ShopKick is one of the highest-rated apps in the App Store’s “Money” category. It rewards you for visiting stores, and in some cases, you don’t even have to buy anything — you get rewarded just for walking in.
You can also earn points by scanning specific items within the store (again, it doesn’t matter if you buy the item).
Plus, it has a card-linked rewards aspect where if you link your debit and credit cards, you can automatically earn money when using those cards to pay at participating retailers. That potentially makes it a good passive income app, if you happen to shop at the right locations.
One downside to ShopKick is that you can’t exchange your points for cash rewards. Nonetheless, with many good options for free gift cards (such as Walmart, Target and Amazon gift cards), that shouldn’t stop you from trying it out.
Minimum withdrawal: 1,250 points for a $5 gift card.
Is Caddle worth your time? It depends on what you buy for groceries.
The Caddle app pays you to shop for groceries, complete short surveys, and watch video ads.
I find that the rebate offers on Caddle are limited compared to Checkout 51, however, if you shop at Costco or like craft beer, there’s always an offer for you.
Following a purchase, upload your receipt via the app and get cash back.
You will get $1 when you sign up
You can cash out your earnings through a cheque in the mail when your balance reaches $20
Minimum withdrawal: $20 to cash out through a cheque
Best Side Hustle Apps to Make Money
Want to earn some income on the side and in addition to your 9 to 5? Check out these side hustle apps for iOS and Android devices.
This app is similar to Postmates and to earn extra money by delivering restaurant take-out orders in your area. You can do deliveries using your car, scooter, motorcycle, or bicycle, and work only when you want to.
Doordash drivers also keep all the tips they are paid in addition to the delivery fee.
With DoorDash, you do have to sign up for shifts (called dashes), and then stay online for a certain amount of time within that period.
That means you’ll have less scheduling flexibility than with Uber Eats but it also means you’ll usually have a more consistent flow of orders (because there are fewer drivers working at any given moment).
UberEats is similar to DoorDash in that you can earn money by delivering carry-out food orders from local restaurants using your car, scooter or bike, or even on foot (in some cities).
What we love about the platform is that you can work as little or as much as you want — whether that’s a couple of deliveries in your downtime or a full workday. Plus, you have the ability to request an instant payout for a small fee — meaning you can get paid the same day you work instead of waiting around for a deposit to hit your bank account.
And with over 100 million active monthly customers in 900+ cities, there’s plenty of demand to keep you busy.
21. Pinecone Research
If you are going to get paid for your opinions, one legit way to accomplish this is by signing up for Pinecone Research.
Operated by Nielsen, Pinecone Research won’t waste your time and you can expect at least $3 per completed survey.
22. Nielsen Homescan
Want to get paid to scan barcodes on your grocery purchases? That’s what Nielsen Homescan pays its members to do.
This gig has been around for decades. They give you a handheld scanner to scan the barcodes on the products you purchase every week. You can also use their mobile app.
Points earned can be redeemed for merchandise and you may also receive Visa prepaid cards.
Get paid for browsing the internet when you download the Mobilexpression app on iPhone or Android.
Keep it installed for longer than that and they donate a tree on your behalf.
Postmates is a food delivery app you can use to make money on the side. It is free to sign up and get started with dropping off food, drink, and grocery orders to customers in your area.
Even better, is the fact that you determine your schedule and keep 100% of the tips you are given.
In addition to Postmates, you can also use DoorDash to make money by delivering food in your area.
25. Task Rabbit
Task Rabbit is a central location where you can find all kinds of odd jobs and simple tasks and get paid for completing them.
For example, you could help someone install their TV or Ikea furniture, plant flowers, run shopping errands, etc., and earn up to $70 per hour.
Related: Simple Way To Make Money On Onlyfans Without Showing Your Face
Best Passive Income Apps to Make Money
Passive income apps help you generate money without much active effort. Simply set things in motion and watch compounding interest increases your money over time.
Acorns is a mobile app that allows you to automate your investing. It does this in a couple of different ways:
- By investing your spare change. One of Acorns’ main features is called Round Ups. Say you make a purchase for $17.20 (at any store). Acorns will then set aside 80 cents from your checking account and automatically invest that money into a mutual fund. It’s a way of helping you save, while also building up an investment portfolio a little bit at a time.
- Acorns Earn. Acorns has also partnered with hundreds of retailers to allow you to earn money any time you shop at a specific store. For example, say you spend $100 at Walmart. Acorns calculates a percentage of that $100 (which can be up to 10% for some retailers) and adds it to your investment account. This isn’t a “round up” — it’s free money.
You can build up a nice portfolio just by using Found Money and investing your spare change. Eventually, that portfolio could go toward your retirement or earn you a nice side income.
Acorns is the largest subscription brand in financial services. Over 9 million people have saved and invested using the Acorns app.
27. Wealthsimple Trade
This stock trading app is the only one to completely offer commission-free trades for stocks and ETFs.
What this means is that you can purchase a stock or ETF on stock exchanges in Canada and the U.S. without paying trading commissions (FX fees may apply).
Wealthsimple Trade is great for beginners who are looking to build an investment portfolio using an investment app that is user-friendly.
You will get $50 cash when you sign up and trade at least $150
28. Moka App
Would you like to make money with your spare change and save towards future financial goals? The Moka app can be of help to you in investing your money.
This micro-investing app rounds up your purchases to the nearest $1, $5, or $10 and invests the difference in a portfolio of low-cost Exchange-Traded Funds.
The investment portfolio is managed by professionals and is automatically rebalanced. You pay a $3 monthly fee.
You will get $5 when you sign up for Moka
Questrade is Canada’s best brokerage platform when you consider the account types they offer, trading fees, and investment products.
The app offers access to trading stocks, ETFs, mutual funds, IPOs, bonds, GICs, precious metals, and options. When you sign up for an account and deposit at least $1,000, you receive $50 in free trades.
The company has been around since 1999 and has more than $9 billion in assets under management. Note that their web interface works much better than the app.
30. Wealthsimple Invest
Wealthsimple Invest is another investment app that simplifies investing for beginners and expert investors alike. This Robo-advisor service invests your money in a personalized portfolio that matches your investment objectives and risk profile.
It is hands-free and all you need to do is set up an automatic savings plan. Compared to mutual funds that cost more than 2% per year on average, a Wealthsimple Invest account will cost you 0.40% to 0.50% per year plus an average of 0.20% for ETF fees.
31. Lending Loop
Peer-to-Peer (P2P) lending is one way to make money online. You lend money to individuals and businesses in exchange for interest income. Yields vary depending on the risk rating of the loans you invest in.
For example, you could earn 7.9% on a balanced loan portfolio and potentially higher if you take more risks.
Lending Loop is Canada’s premier P2P lending platform with more than 11,250 investors and $73 million in loans. One great thing about the platform is that you can start investing with as little as $25.
Other Money-Making Apps For IOS And Android
32. Mistplay (Android Phones Only)
Mistplay is regarded as “the loyalty program for gamers,” Mistplay rewards you with points for playing video games on your Android smartphone (an iOS version is in development).
Your points can be redeemed for gift cards to major retailers like Amazon, Starbucks and the Nintendo store.
Minimum withdrawal: $5 gift card for 1,500 points.
If you have a second home or even a spare room, you should seriously consider renting out your unused space.
I was surprised to learn that Airbnb estimates can earn $750 per month simply by renting out an extra room at 50% occupancy in my home.
Not sure if it’s worth it to list your place on Airbnb?
Check out Airbnb’s monthly earning potential calculator to see how much you can make.
KOHO is not your typical cash back app. Instead, it combines an intuitive budgeting app with a prepaid cash back card that puts debit cards everywhere to shame.
Use the KOHO app to round up your purchases and when you pay for any purchase using their free KOHO Visa prepaid cards, you earn 0.50% to 2% every single time!
Who knew spending cash could bring you rewards! Get a $20 welcome bonus when you sign up here (bonus applied after your first purchase with the card)
Your money on KOHO is protected by the Canada Deposit Insurance Corporation.
The ridesharing market is a big one, and it’s not slowing down any time soon.
Uber freelancers have earned millions of dollars taking riders on short trips around town, and the company finally introduced the long-awaited ability for riders to tip their drivers.
There’s a reason why many people who are in need of money quickly turn to ridesharing services like Uber and Lyft: because it works.
Foap is a mobile app that allows you to make money by selling pictures you take with your phone.
What’s nice is that one photo can sell multiple times, which allows you to generate a source of passive income.
The best way to earn is through “missions,” in which Foap teams up with a specific brand to show how everyday people like you use their product.
Minimum withdrawal: No minimums. However, Foap pays you once per month via
Lucktastic is a free app that rewards players with cash prizes, gift cards, and merchandise.
The Lucktastic app is only available to residents of the United States.
A popular free app among book lovers, Bookscouter allows you to sell used books.
How it works is you enter or scan a book’s ISBN number and Bookscouter provides a list of companies looking to purchase that title (and how much they’re willing to pay).
Those who earn the most know where to find used books for cheap (garage sales, library book sales, etc.), and use the app on the spot to find the ones that will fetch the highest profit margins.
39. Field Agent
FieldAgent is an app that allows you to make money by completing random local tasks, like taking pictures of products (to make sure they’re properly displayed) and completing mystery shopping missions to evaluate stores’ customer service.
This free app is best suited for those in urban areas, as you’re only paid on a per-task basis. Since you have to factor time and cost of travel into your net earnings, you’ll make more if you live near a high concentration of participating businesses.
Minimum withdrawal: $10 to PayPal.
Sweatcoin is free fitness money making app for android/ios that pays you to be active. You earn 0.95 sweatcoin for every 1,000 steps you take and 5 sweatcoin for every friend you refer.
You can easily redeem your points for sports merchandise or PayPal
41. EBay, Craigslist And Other Selling Apps
Selling your stuff is one of the best ways to make money fast. Apps such as Craigslist, Facebook Marketplace (located in the Facebook app), and LetGo are great for selling items locally.
eBay is best-suited for selling items outside of your local area. While you have to ship the item, you can typically sell it for a higher price (as your group of potential buyers is greatly enhanced).
This makes eBay ideal for collectibles and items that are in high demand (like iPhones).
Outside of that, Decluttr and Gazelle are two apps that buy your old electronics from you, giving you a price upfront.
Evidation (formerly called Achievement) is a combination of a survey app and a fitness app.
It works by syncing with other fitness apps you have on your phone, including:
- Apple Health
- And, over a dozen others
In addition to earning rewards via healthy activity — e.g., hitting 10,000 steps in one day — you can then earn rewards for answering health-related surveys.
You’ll need a minimum of 10,000 points to cash out, which gives you a $10 gift card to popular retailers.
Minimum withdrawal: $10.
43. S’more (Android Phones Only)
S’more, available only for Android devices, is one the most popular apps that let you monetize your lock screen.
With S’more, you can earn extra money by placing an ad on your phone’s home screen. If you like what you see, you can swipe left to learn more. If not, just swipe right to open up your phone as normal.
Either way, you’re earning some extra cash. Users can expect to earn about $3 to $5 per month on average, with the option to cash out via PayPal.
While not the most exciting way to earn money, over the course of a year you can save up around $50 to use as you wish.
Minimum Withdrawal: $1.
Related: 9 Ways Rich People Make Money With Debt
Things you need to know about Money-Making Apps For Android And IOS
What are the best apps for making money fast?
Selling apps, such as Craigslist and eBay, are your best bets for making money fast. Beyond selling, Uber Eats and DoorDash are also good options. These two apps enable you to make decent money on a per-hour basis, as well as to cash out your earnings daily (for a small fee). These are among the highest and fastest-paying paying apps you’ll find.
What apps make you the most money?
Cashback apps such as KOHO, Rakuten, and Caddle pay you when you shop at a participating store. The more you shop using the apps, the more you earn.
Side gig apps such as DoorDash, Swagbucks, and Postmates are great for generating extra income right away and you can scale up when you need more funds.
How do you avoid scams?
When you’re evaluating money-earning apps, check for the app user reviews — and specifically the ones on the Google Play Store and iOS App Store. Unlike some other user review sites, companies can’t edit or delete reviews that appear on the official app stores. So if an app is a scam, chances are you’ll see that quickly based on user feedback.
Sort by negative reviews, and read through three to five to see the common complaints. If a lot of users have trouble withdrawing money or not getting responses from customer support, it’s best to avoid the app.
How can I earn PayPal money?
Sites like Swagbucks, Survey Junkie, and Pinecone Research offer PayPal as one of the payment methods when you want to redeem your earnings.
How do apps that give you money make money themselves?
There are a number of various business models and app monetization strategies used by these companies to generate revenue.
– Online survey companies sell the data they collect to third parties seeking to improve their products and services.
– Coupon apps get paid by manufacturers when you use a coupon, and in many cases, also collect data to sell.
– Many gig economy apps take a percentage of revenue from each transaction.
– Cashback shopping apps like Rakuten are among the highest paying apps for a reason: they earn a solid commission for sending you to retailers’ sites, which they then share with you.
Apps that give you money are always getting something in return — whether that’s your data, your feedback, your business, or something else. Keep that in mind when picking which ones to use and make sure you’re comfortable with the tradeoff.
Conclusion on Best Money-Making Apps For Android/ios
There are many other apps out there, and while some of them work for some people, others just collect your data and waste your time and effort without providing any real chance to cash out your earnings.
Depending on your situation, they may or may not be worth looking into.
This money-making app won’t make you rich. But you can use them as a source of side income, and some — like Uber and DoorDash — can turn into fairly lucrative side hustles (or even full-time gigs).