How to make money from your phone: The 5 most effective money-making apps in Vietnam in 2025

Digital transformation has opened up entirely new earning opportunities on mobile devices. With just a smartphone, you can participate in business activities that previously required physical infrastructure or significant capital investment. From international financial trading to e-commerce, money-making apps have become a major trend of the tech era.

The Three Main Models for Earning Money via Mobile Apps

When it comes to money-making apps, three main types are thriving in the Vietnamese market:

Task Completion Model

This type of app requires users to complete simple tasks such as answering surveys, watching ads, or inviting friends. Rewards typically range from 5,000 VND to 100,000 VND per task. The advantage is no initial capital needed and suitability for students, but the downside is low profits and time-consuming.

Financial Investment Model

This is a more effective way to earn money, allowing you to trade stocks, stock indices, cryptocurrencies, or commodities through mobile apps. Profits can range from 4% to over 10%, depending on the asset type, but it requires initial capital and market knowledge.

E-commerce Model

Sellers can open online stores on platforms like Shopee or Tiki with low investment. Income depends on the selling price of products, but the platform deducts 15-20% commission from each order.

Profit and Cost Comparison

For the task-based model, usage is free but profits are low (5,000-100,000 VND/task). The financial investment model involves transaction costs from 50,000-200,000 VND or 0.01%-0.03% of transaction value, with significantly higher profits. The e-commerce model requires capital for purchasing goods but has no set expense limit.

Top 5 Popular Money-Making Apps in the Vietnamese Market

1. International Asset Investment Platforms

Platforms that enable trading over 100+ global financial assets are becoming top choices. You can invest in major company stocks like Apple, Tesla, Amazon, or international stock indices. The main advantage is the ability to use high leverage ( for example 1/10), allowing amplified profits. When asset prices increase by 1%, your profit can reach 10%. These platforms often offer free demo accounts with 50,000 USD virtual funds for practice.

2. Vietnamese Stock Apps

Money-making apps focused on the domestic stock market allow trading of Vietnamese stocks like Vinamilk, Masan, Vingroup. These platforms are managed by licensed brokerage firms, with user-friendly interfaces and quick order matching. However, leverage is lower ( for example 1/2 instead of 1/10), so profits are relatively modest when stock prices increase by 1-2%.

3. Investment Fund Apps

For those without investment experience, these apps allow depositing money into professionally managed funds, yielding 5-15% annually. This is a safer solution, similar to bank savings but with higher returns.

4. E-commerce Platforms

These platforms stand out for their simple and quick store setup process. They often run attractive promotions, have large customer bases, and secure payment processes. You just need to list products and connect with buyers.

5. Transportation Apps

Ride-hailing apps also offer cashback promotions. Completing challenges like 5 rides can earn you 20,000-50,000 VND cashback. This is a passive way to earn money while using the service regularly.

Warnings You Should Know About Money-Making Apps

Although earning money through mobile apps is very attractive, it also involves many risks. Fake apps, unlicensed financial companies, or apps containing viruses that steal information are common threats.

Protection Measures:

• Check if the app is officially licensed by relevant authorities
• Read reviews from real users on Google Play or App Store
• Only choose apps with high ratings ( from 4 stars and above)
• For stocks, prioritize companies licensed by the Vietnam Securities Commission
• Avoid installing unfamiliar task apps you’ve never heard of
• Do not share personal or financial information excessively

Conclusion

Money-making apps are no longer a new trend but have become an integral part of the digital economy. Instead of spending time on social media, you can use your phone to generate additional income through trustworthy apps. However, not all money-making apps are safe and effective. Before installing any app, take time to research thoroughly, verify licenses, and read user reviews. Online earning is truly effective only when you choose the right app that matches your goals and capabilities.