11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone

Are you looking for the best money earning apps for your smartphone? Then, keep reading this article if you need to turn your mobile phone into a money-generating machine!

Most people are looking for ways to make a high income online. And they have already tried various methods to get money online and ended up losing their hard-earned money.

So making money online with no investment can be seen as a better option to make money online – we have nothing to lose. Android and iOS offer several apps on their market you can use to get some pocket money. Most of these apps have daily tasks like downloading an app, playing music, completing the survey, etc.

In this article, we will be talking about the best money earning apps without investment. So, if you have a smartphone and are ready to move forward, let’s get into it.

What Are the Withdrawal Options?What Are the Withdrawal Options?

There can be a lot of withdrawal options in these apps. For example, you can go for Paytm wallet or other available wallet options. Moreover, since most apps offer UPI transactions, Indian customers can use their UPI app for withdrawing funds.

On the other hand, international clients can use PayPal or Payoneer to withdraw the funds.

  • Payoneer is a payment processer that is available globally
  • You can pay and get paid easily on international currencies just like local transactions
  • Signup for Payoneer today and get a $25 sign up bonus (offer ends soon!)
  • Bonus credited when you load $1000 in your Payoneer account

How to Earn Money from Apps?How to Earn Money from Apps?

For turning your device into a money generator,  you will need an Android or iOS smartphone along with a fast and stable internet connection. Even more, you need your own personal bank account and cash wallets like PhonePe, Paytm, Google Pay, etc.

Best Money Earning Apps Without Any InvestmentBest Money Earning Apps Without Any Investment

Here is a list of the best money earning apps with no investment.


Earn real cash by taking surveys and completing offers with CashKarma. Their partners work with companies that want your opinion, and they will pay you for it. Inside crash karma, there are tons of reward opportunities with a wide range of payouts for everyone.

You can redeem your CashKarma points in many ways like  PayPal cash, gift cards for Amazon, Walmart, Target, Google Play, iTunes, Xbox Live, PlayStation, Starbucks, and many more.

CashKarma provides high viewing payout surveys and offers and unlocking achievement badges for extra bonuses. Also, CashKarma will increase your rewards once you level up your CashKarma ID by completing their tasks and surveys.

CashKarma has also brought in gift cards within the app.


  • Easier to use – the app is pretty simple to use and no technical knowledge needed
  • Fun experience – using the app can be fun if you need to make money doing simple tasks
  • Simple surveys – the surveys are simple and you can earn money with some clicks
  • Level up system – there will be a level up system that will generate more revenue for surveys
  • Refer and earn system – you can refer your friends and earn more income from the app


  • Multiple survey partners
  • Achievement badges
  • Bonuses
  • Multiple gift card options
  • High payouts


  • Some surveys will take more time

Now, let’s talk about the second app on our list. mCent is best for those looking for a way to recharge their DTH, mobile, and electricity bills. With mCent, you can for free talktime and mobile balance. Even more, you can withdraw money into your wallet.

mCent also runs refer and earn programs. For example, you can make money by referring your friends to mCent. Plus, mCent also has social tasks and third-party apps you can download for additional bonuses.

mCent will provide you daily tasks. You have to complete the given tasks daily so you can earn cashback. The tasks would be like playing games, visiting given sites, etc. As of now, they haven’t released an iOS version of the mCent app.


  • Popular app – mCent is a popular app and used by thousands of users
  • Integrated browser – they have integrated a browser to the app so the users can use it too
  • Refer and earn – refer your friends and earn rewards
  • Mulple recharge options – you can recharge your mobile, DTH and almost everything using this app
  • Daily tasks – the app will refresh every day with new tasks


  • Ad Blocker
  • Withdraw money to wallet
  • Form autofilling
  • Offline browsing
  • Smart downloading


  • No iOS application


Swagbucks is another best option to make money online. You can go for paid surveys, shop at your favorite stores, and purchase services using the app.

When you join Swagbucks, you will get a $10 welcome bonus.

Talking about redeeming your Swagbucks rewards, you can go for PayPal cash or gift cards at Amazon, Google Play, Target, Visa, Walmart, Uber, Starbucks, etc. Also, you can take out your rewards for gift cards with just $1, or you can save this up and make money with Swagbucks.

Swagbucks offers the best surveys for cash, and they daily get hundreds of online surveys. On Swagbucks, you can complete surveys on essential topics, including politics, movies, TV shows, and shopping experiences on many online stores.

Plus, Swagbucks also has another earning option. You can get paid for every grocery receipt you scan, and you can get cashback for shopping at popular retailers like Amazon, Walmart, Target, Walgreens, CVS Pharmacy, and even more.

Also, you can get rewarded for watching videos and playing the game.


  • Android and iOS apps – you can use the app on Android app or an iOS app
  • Famous app – used by so many people and most people are using the website
  • Gift cards – you can redeem the cash as gift cards or into your PayPal account
  • Earn rewards by playing games – if you like simple games, you can earn money by playing games
  • Free to join – there is no registration fee to join Swagbucks


  • Welcome bonus
  • Scan grocery receipt and ean cash back
  • Paid surveys
  • Access to new products
  • Daily surveys


  • Surveys will stop in some cases
11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone



With Givvy, you can earn money for free by playing simple games and inviting your friends! And you can earn Givvy coins, convert them to real money!

Talking about cash withdrawals, Givvy mostly takes less than 24 hours or less to transfer money to your linked bank account.

Givvy also comes with an exclusive giveaway list. You can choose one of the prizes available in their Giveaway list. All you need to do is, sign up and participate. If you are lucky, you can win the prize. The prize will be transferred to your Givvy balance immediately after the winner is drawn.

Givvy has a lot of games to play with which you can earn great money. Tic-Tac-Toe, Maths games, memory games are some of their popular games.


  • Math games – earn money by playing math games
  • Memory games – earn money by playing memory games
  • Surveys – multiple survey options to choose from
  • Puzzle games – earn money by playing puzzle games
  • Ranking – profile ranking according to the performance


  • Earn unlimited coins
  • PayPal withdrawal
  • No restrictions
  • Stay in mobile app for more rewards
  • Revolut payment gateway integration


  • Sometimes, earning can be low
11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone

Google Opinion RewardsGoogle Opinion Rewards

google opinion rewards

Google also has its exclusive reward-earning app, which you can get paid for completing surveys. Like other apps, this app also doesn’t require any investment to get started.

You just have to install the app, and you will get a notification on your phone for the paid surveys available for you. Their services are mainly based on your opinions, like which product that you have recently heard of, for which of the most trustable brand in your opinion, etc.

You can also earn Google Play credit with Google Opinion Rewards, Now talking about how to get started with this app? For this, you have to download the app and answer basic questions about yourself.

After then they will send you surveys on the app. Even more, you’ll get a notification on your phone for this. You can receive up to Rs.32.20 in Google Play credit with each survey.


  • Easy to use – the app is very simple to use
  • Lightweight app – lightweight app and it will not consume much battery or storage
  • Redeem directly to Google Play account – you will get the funds added to the Google Play account
  • Google account registration – use the Google account sign in option to login to the app
  • Official app by Google – created by Google


  • No additional account required
  • Millions of installation
  • Quick surveys
  • Survey options to choose from
  • Custom profile options in the account dashboard


  • Limited surveys
  • One year time to use the funds
  • Some country restrictions
  • Limited withdrawal options
11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone

Current RewardsCurrent Rewards

current rewards

Do you like to earn money online by listening to music and playing games? With the Current rewards app, you can do that. This app comes with a point-based earning model.

With it, you can redeem rewards points and get cash. For example, you will need approximately 22500 points to redeem $10 on google play and amazon gift cards for your better guess.

So to earn money on Current rewards, you just have to complete the paid surveys, share opinions, referring this app to your friends. On top of that, Current bonuses will allow you to earn real cash rewards for your everyday habits.

You can try free games and apps on Current rewards, watch short videos of different categories, and make money.

Also, some of the other unexpected ways to earn money with this app, like traveling to department stores, convenience stores, and restaurants or charging your phone!


  • Verified rewards – you can earn up to $600 a year
  • Free rewards – you will earn rewards just for using the app
  • Play games – you can earn money by playing games
  • Download games and make money – you will get rewards
  • No fees – there will be no fees


  • Offline music player
  • Stream music and earn money
  • Play games to earn money
  • Instant rewards
  • Lock screen monetization


Nothing so far

11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


honeygain app

If you have a stable and fast internet connection, this app can offer something for you. However, on the HoneyGain app, you have to share your bandwidth to earn money from unused excess internet.

Talking about having a payout from the HoneyGain app, It may take around 72 hours to get payments directly to your PayPal account. Even more, they will notify you by mail once the payout is completed.

To make money with the HoneyGain app. Install this first, and leave the app running in the background. HoneyGain app will connect you with a CDN cloud automatically. And you will get paid for any amount of internet being used on the app.


  • Android app – easy to use Android app
  • Linux version software – use it on Linux
  • Windows version software – use it on Windows
  • MacOS software – you can use it on MacOS
  • Secured – the app is very secured


  • Welcome bonus
  • See who’s using your internet
  • Simple payments
  • 5 minutes to earn
  • Help businesses


Nothing so far

11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


meesho app

If you are looking for a dedicated platform for selling physical products, Meesho can be one of the best places. It is a free app developed for Indian sellers. In addition, Meesho can be used by students, housewives, and part-time employees for additional income.

You can sell clothes, shoes, groceries, and everything related to daily life. The app is secure, and they offer various payment methods. Once you have published a product inside the platform, you have to share it with the community.

To do that, you can use the social sharing option.


  • So many categories
  • Good admin panel
  • Managing products are simple
  • Product margin
  • Social media sharing


  • Easy payouts
  • Hassle free returns
  • COD
  • Direct transfer


Nothing so far.

11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone

Roz DhanRoz Dhan

roz dhan

This is one of the easiest ways to make money through your mobile phone. With the app, you can earn real money by simply completing tasks and sharing the news. The app developers will be giving 300INR as a gift for a limited time. But, as we mentioned, this is a limited-time offer, and you have to claim it before it ends.

After you register on the app, they will deposit 50INR absolutely free. Then, after completing the new user tasks, an additional 30INR will be credited to your account. To withdraw the funds, you can use your Paytm wallet. Another thing you can do is refer your friends. Your friend will earn 12 INR for each referral, and you will be rewarded accordingly.


  • Read news
  • Cash withdrawal
  • Walk and earn
  • Surveys
  • Simple tasks


  • Low minimum payout
  • Play games
  • Refer and earn
  • Paytm integration
  • Free wallet cash
  • Joining rewards


Nothing so far

Survey JunkieSurvey Junkie

Survey Junkie got more than 11 million people in their orbit. You have to be 16 years old at least to join this platform. On top of that, they are now accepting only citizens from the United States. You can complete the available surveys inside the platform to earn more points.

The app has an excellent dashboard, so checking the stats would be a cakewalk. So instead, you can use PayPal, gift cards, and direct bank transfers to redeem the points. Once you have earned the minimum redemption points, you can configure the method.

The minimum redemption points are 500.


  • Free to join
  • PayPal payouts
  • Direct bank transfers
  • Giftcard redemption
  • Easy to use


  • Simple redemption
  • Simple tasks
  • Free to join
  • Good rewards
  • Low minimum points


  • Gift card is available only for US users



If you are not interested in downloading the app and completing the paid survey, this app can be a better option for you. On Userfeel, you have to test the given website on your mobiles, desktop, and tablet. If you have all of these 3 devices, you must go for this.

Userfeel runs website testing on their app to improve the website performance for their clients. For doing this, you have to participate in the Userfeel test, and you will get paid to visit and explore new websites. At Userfeel, each test lasts from 10 to 20 minutes.

To get better feedback from you, this app records the tester’s screen and voice when he performs the test and uploads the generated video back to the userfeel.com server. You can expect a payment of $10 per test.


  • Free to use – the app is pretty simple to use
  • Simple app – doesn’t need much CPU power to run
  • Straightforward process – testing apps and websites are simple
  • Records screen – the app will record screen while you test the site or app
  • Records voice – the app will record sound while you test the site or app


  • Desktop app
  • Tablet app
  • Mobile app
  • Verified payments
  • Automatic screen record uploadings


  • Not much installations
11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone


11 Best Money Earning Apps Without Investment: Earn Money Using Your Smartphone

Frequently Asked QuestionsFrequently Asked Questions

Next, let’s look at some popular, frequently asked questions regarding money earning apps.

Which App Gives Real Money?Which App Gives Real Money?

Almost every app mentioned in this article will give you real money. So to earn an additional income, you can start using any of these apps.

Are There Any Free Apps That Pay Real Money?Are There Any Free Apps That Pay Real Money?

There are so many free apps that will pay real money. With them, you can earn some income. So you do not need to look for premium apps every time.

Which App Is Best for Earning Money Without Investment?Which App Is Best for Earning Money Without Investment?

That will be totally according to your requirements. For example, if you prefer survey filling, use some dedicated apps. For play store cash, use the reward app.

When Will You Start Earning MoneyWhen Will You Start Earning Money

Once you have started using the apps and completing the tasks, you will start making money. Every app comes with different monetization methods.

So, you have to choose one app accordingly.

How Will They Pay YouHow Will They Pay You

Some apps will set a custom minimum payout threshold. Others will specify a custom date for the payouts.

In most cases, the balance will be added to your Google Play account or deposited to your bank through UPI. From the withdrawal tab, you can configure the payout method.


In this article, we have listed some of the best available Android/iOS apps to earn money, and you can use them to make a significant income. But before getting started with any of these apps, make sure you have checked the reviews. Our tests have found that all the apps mentioned in this article will pay and be legit.

Feel free to comment if you know of any other apps that pay you without investment.