Our Disclosure

The content on this website includes links to our partners and we may receive compensation when you sign up, at no cost to you. This may impact which products or services we write about and where and how they appear on the site. It does not affect the objectivity of our evaluations or reviews. Read our disclosure.

23 Free Money Making Apps That Pay Cash in 2024

Updated:

Fact Checked

You can make money by using your phone. If you have been thinking about generating extra cash to supplement your regular income, this list of the best money-making apps is precisely what you need!

Everyone has a smartphone these days. Whether your device is based on the iOS or Android platform, you can make money with your phone and the FREE apps you install. No upfront capital is usually required – simply download the apps, and you are good to go.

While free money-making apps will not make you rich overnight, the extra $100 to $500 in cash every month can help to increase your savings, pay off debt, fund a vacation, and improve your finances in general.

The Best Money-Making Apps For 2024

Whether it is paid surveys, earning cash back, completing simple tasks, or other side gigs, there is a mobile app for you to make money and get paid easily.

Make Money With Market Research (Survey) Apps

1. Survey Junkie

Survey Junkie is one of the best-rated surveys for making extra cash. As long as you are 13 years or older and reside in Canada or the United States, you can join the panel and start earning.

Rewards points can be redeemed for e-gift cards from popular retailers, or you can cash out through PayPal or bank transfer. The minimum payout threshold on Survey Junkie is $5, which means you can cash out often.

Join over 10 million other members in Canada or the United States.

Start with Bonus Points on Survey Junkie.

2. Swagbucks

swagbucks

Swagbucks is one of the most popular money-making mobile apps available. As a get-paid-to site, it pays you to answer short surveys, watch entertaining videos, play games, browse the internet, shop online, and more on your phone.

This rewards site is free to join, and it takes only a few minutes to set up your account.

In addition to offering you multiple options to earn cash, Swagbucks also makes it easy for you to redeem your earnings. You can cash out via PayPal or redeem gift cards from major retailers like Amazon, Walmart, Target, Starbucks, and others.

Swagbucks has paid its members well over $950 million, and it has an A+ rating with the Better Business Bureau (BBB).

Sign up here with Swagbucks to receive a $5 or $10 welcome bonus.

3. Pinecone Research

pinecone research

Pinecone Research is one of the best paid survey sites available in Canada and the United States.

You can make money with this site by taking surveys, testing products, and participating in sweepstakes. Each survey you complete pays between $3 and $5.

They offer multiple payment options, including PayPal, cheques, gift cards, and a prepaid virtual Visa card. With a low minimum payout of $3, it means you can have cash in your pocket after every survey you complete.

Pinecone Research has an A rating with the BBB. One small difficulty with Pinecone is that you need an invite to join the panel (see the invite link below).

Join Pinecone Research ($3 per survey).

You can also read our review of Pinecone Research.

4. Ipsos i-Say

ipsos i-say

Ipsos i-Say is a market research company that has been around for a while and has over 3 million members. They have an app that is available on both Android and iOS.

When you share your opinions, you earn rewards that can later be redeemed as cash through PayPal. You can also redeem Points for gift cards or as a Virtual Visa Prepaid Card.

Residents of Canada and the United States are eligible to join.

Join i-Say.

5. NielsenIQ Homescan

nielsen homescan

Nielsen is a well-known giant in the market research industry, and it operates in 25 countries.

When you join as a panel member, you are paid to scan your grocery purchases every week. Check out a complete review of NielsenIQ Homescan.

Join Nielsen Homescan.

Money-Making Phone Apps That Pay You To Shop

You can earn significant cash back every time you go shopping and use these free mobile apps. They are available on your iPhone or Android and can pay you as much as 40% back!

6. KOHO

kohologo transparent-img

KOHO has the best cash back app in Canada by far.

It is a free app that comes with a free reloadable Mastercard prepaid card. You can use the app to automate your savings, as well as earn up to 5% cash back when you make debit purchases.

The KOHO account and app also pay savings interest on your balance, up to 5%.

KOHO is currently only available in Canada, and the app is well-rated on the App Store at 4.8/5. Your deposits are insured for up to $100,000 by CDIC. Read our KOHO review for more details.

Get KOHO here – includes a $20 cash bonus when you sign up using our CASHBACK referral code and make your first purchase.

7. Rakuten

rakuten

This is one of the most popular services for earning cash back when you shop at thousands of popular online stores.

It is easy to use Rakuten (formerly Ebates). After signing up and downloading the app, simply visit your favourite store via the app and make your purchase. Earnings are automatically credited to your account.

You can redeem payments through PayPal or via a check in the mail. After joining and making your first purchase of $30 or more, you receive a $30 cash bonus.

Rakuten has an A+ rating from the BBB. You can read our review of this rewards site.

Join Rakuten and earn a $30 bonus.

Money Making Investing Mobile Apps

You can use the right savings and investing apps to generate passive income without much effort. Examples include:

8. Simplii

simpliilogotransparent-img

Save and earn some of the highest interest rates available on savings accounts. Simplii is available in Canada, and your deposits are insured up to $100,000 per account category.

It also offers a free chequing account with unlimited transactions, and you earn a $400 bonus when you join and set up a direct deposit. You also get a $50 bonus for using a referral link.

Learn more about Simplii in this Simplii vs EQ Bank comparison.

Visit Simplii ($400 bonus).

9. Bitbuy App

If you want to try cryptocurrency investing, the Bitbuy app is a great place to start.

You can trade several popular coins, including Bitcoin, Ethereum, Litecoin, Dogecoin, and 30+ others, with only a few clicks.

New clients who sign up using our exclusive link and deposit $250 or more get a $50 bonus.

Visit Bitbuy ($50 bonus).

10. EQ Bank (High-Interest Savings)

EQ Bank offers some of the best savings and GIC rates available in Canada. Even better, their high-interest savings account works like a hybrid between savings and chequing that is accessible via your smartphone and comes with the following:

  • Zero monthly fees
  • Free and unlimited Interac e-Transfers
  • Unlimited bill payments
  • Zero minimum balance
  • Free electronic fund transfer
  • Cash back card that pays 0.50% cash back on all purchases

EQ Bank offers one of the best non-promotional offers in Canada right now.

Sign up to open an EQ Bank Savings.

11. Questrade

Questrade is one of Canada’s top online discount brokerages. The app is easy to use and offers commission-free ETF purchases.

If you are comfortable with managing your own portfolio, Questrade can save you a lot of fees you would otherwise pay to a mutual fund manager.

Get started with Questrade and receive a $50 trading fee credit.

12. Wealthsimple

Wealthsimple - save on fees

The Wealthsimple app lets you invest automatically using low-cost ETFs.

Their annual management fee is much cheaper at 0.50% or less (compared to the average mutual fund), and you get a $25 cash bonus when you open and fund a new account.

The app also has a ‘Roundup’ feature that automatically invests your spare change. You can open both registered (RRSP, 401k, IRA, TFSA, etc.) and non-registered accounts.

Wealthsimple is available in Canada, the United States, and the United Kingdom. Read this complete review.

Join Wealthsimple and receive a $25 cash bonus.

Make Money With Side Hustle Smartphone Apps

There is a lot of money to be made in the gig economy, and the following phone apps are a great starting point.

13. Rover

Rover

If you like pets, you can make good money by walking dogs or dog-sitting.

Using the Rover app, you set your own schedule, prices, and the type of pets you prefer to work with. The various services people are willing to pay for include: dog boarding (and cat), dog walking, doggy daycare, house-sitting, drop-ins, and more.

Rover puts your mind at rest with their Rover Guarantee that protects your services up to $1 million. There is also 24/7 support. Read our Rover review.

14. Instacart

The Instacart app allows you to make extra income in your spare time. It is similar to Uber Eats, except that in the case of Instacart, you are delivering fresh groceries.

As a personal shopper, you choose the hours you want, shop on behalf of a customer, and use your car to deliver the groceries to their doorstep. You can make up to $20/hour, and payments are made weekly.

Instacart is currently available in Canada and the United States. Read my complete Instacart review.

A similar food delivery app and service that you can use to earn extra cash is:

DoorDash: You can combine DoorDash with Postmates and Instacart to maximize your earnings. It is one of the best food delivery apps for restaurant orders.

DoorDash drivers earn up to $25 per hour, and earnings are paid out every week!

15. Airbnb 

airbnb

Do you have a spare room in your house? You can make money using the Airbnb app.

Airbnb hosts make money by listing space they have available to guests. You pick your price and choose the dates that work for you.

Airbnb covers every booking with $1 million in property damage protection and $1 million in insurance against accidents.

Other Apps To Make Money

16. Caddle – Earn Rewards on Groceries

caddle

The Caddle app is similar to Checkout 51 and pays you when you do your grocery shopping. It is currently only available in Canada.

New cashback offers are made available every week, and all you need to do is shop at any store and scan your receipt using your phone. You can cash out when your account balance reaches $20 or more.

Caddle also pays you to answer short surveys, watch videos, and refer friends. Read this review of the Caddle app for more details.

Join Caddle here ($1 bonus).

17. Moka

Moka (formerly Mylo) simplifies your investing. Simply set it and forget! If you have been finding it challenging to set money aside to save or invest, the Moka app is for you.

The app rounds up your daily purchases and invests your spare change. You can invest your funds in both registered and non-registered investment accounts. Moka is available in Canada.

Read this Moka review or Join Moka for a $5 welcome bonus.

18. MobileXpression 

MobileXpression logo

The Mobilexpression app (Android or iOS) pays you to use the internet and is available on iOS and Android smartphones in Canada and the U.S.

To use the app, install it and receive a $10 Amazon gift card when you keep it installed for one week. Continuous usage of the app makes you eligible for credits that can be redeemed for free gift cards.

You have a chance to win prizes every week. After 90 days of active use and participation, the panel donates a tree on your behalf to Trees for Knowledge.

As per the company, your private information is not obtained by the app, and you can read about their privacy policy on their website.

Join Mobilexpression for iPhones or Android.

19. Sweatcoin

sweatcoin logo

While this is not a market research app, it offers some ways to make money on the side while getting fit.

Sweatcoin is a fitness app that rewards you with “sweatcoins” when you walk and exercise. You can redeem these points for fitness gear, Apple products, PayPal cash, gift cards, and more.

This app is free to use, and it is available worldwide. Learn more in this review.

20. Daily Rewards

Daily Rewards Review...

This is another survey site you can access from your phone to make money. Users can earn from taking surveys, playing games, watching videos, and shopping online.

Daily Rewards is only available to Canadians. Its sister site – InboxDollars – is for Americans. Both sites offer a $5 sign-up bonus.

As of this update, the parent company has paid more than $65 million to members.

21. TopCashback 

logo

This cashback site is popularly known as America’s “most generous cashback site.” It has over 8 million members worldwide, and the app is available to residents of the United States, Canada, and the United Kingdom.

TopCashback is easy to use. Simply sign up, visit your preferred retailer through the app, and earn cash back.

You can earn rewards from over 4,400 stores, including Walmart, Best Buy, Groupon, E-bay, and others. Read this TopCashback review.

22. Checkout 51

The Checkout 51 app allows you to earn cash back on your shopping. It is available in the U.S. and Canada.

Every week, they send multiple offers you can choose from. To redeem an offer, simply purchase it at any store, and scan and upload your receipt using your phone.

You can cash out your rewards via check when your balance reaches $20. Read this Checkout 51 review.

23. Ampli

ampli logo

Ampli is a cash back app available in Canada.

The app rewards you when you shop at any brands and retailers affiliated with it, including Lowe’s, Leons, Gap, Burger King, SportChek, CIBC, Mark’s, Lululemon, and several others.

Ampli is free to join, and you can easily cash out your earnings via Interac e-Transfer. You can read our Ampli review.

Wrapping Up

There are multiple ways to earn extra cash using your phone, and these apps offer some of the best money-making opportunities. Sign up for several of them, try them out, and stick with the four or five that work for you.

Make the most of the time you spend looking at your phone by generating extra cash that can go a long way to improving your financial situation.

For more money-making ideas, click here.

Related Posts

Top Make Money Offers this month

Easily earn rewards and gift cards on this membership rewards site

Join a top-rated market research company that pays you to complete other simple tasks.

Earn points for completed surveys and redeem them for PayPal cash and gift cards.

Founded in 2007 with more than 15 million members.

Get to influence which products make it to the market.

Get a $20 bonus + Earn up to 5% cash back and Interest with this FREE Card

Sign up for the best free reloadable prepaid card with a $20 signup bonus.

Earn up to 5% unlimited cash back on purchases.

Guaranteed approval card, free unlimited transactions, & budgeting app.

Start with a free $5 on the most popular get paid to site

Get paid to answer surveys and complete other simple tasks.

Redeem earnings for gift cards and cash rewards.

$5 bonus when you complete the initial short profile questionnaires.

Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others. Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners. You can read his full author bio.

About Savvy New Canadians

Savvy New Canadians is one of Canada's top personal finance platforms. Millions of Canadians use our site each year to learn how to save for retirement, invest smartly, maximize rewards, and earn extra cash. We have been featured in prominent finance media, including Forbes, Globe and Mail, Business Insider, CBC, MSN, Wealthsimple, and TD Direct Investing. Learn more about Savvy New Canadians.

Free financial education

Expert advice

Free resources

Detailed guides

1 thought on “23 Free Money Making Apps That Pay Cash in 2024”

  1. Gravatar for mohan kushwah

    Dear sir, please review Earn 4 Pocket earning app if you find this app good and you have time. This app seems to be good and trusted and available in Play Store. I have been using this app for one month and I have earned 400+ INR from this app by doing various activities on the app like spin, scratch, maths quiz, install apps/game etc.

    This app provides many payment options to redeem our points like Paytm, Paypal, Bank and Recharge.

    And various earning options like spin, scratch, maths quiz, watch & earn, install apps/game, refer & earn, etc.

    Live chat support is also there.

    Please review if you have time, It will be beneficial for many students & needed like me.

Leave a comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.