In today’s digital era, where smartphones have become an indispensable part of our lives, we often find ourselves exploring ways to make the most of our mobile devices. What if we told you your trusty smartphone could help you earn extra cash? That’s right! In this article, we have curated a list of the 11 top picks of free apps that pay real money instantly.

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From taking surveys and completing tasks to playing games and unlocking rewards, these innovative apps pay and offer many opportunities to boost your income with just a few taps on your screen.

So, get ready to discover the world of app-based earning and turn your idle moments into profitable ones with our handpicked selection of money-making apps.

Read more: Pay Per Install: The Good & The Bad Of This Pricing Model

The Strategy Behind Money-Making Apps

The strategy behind money-making apps revolves around leveraging smartphones’ vast user base and engagement potential to generate revenue. These apps typically employ various tactics to monetize their services while providing users with opportunities to earn real money.

This means you can play games, fill out surveys or unlock rewards to earn cash in your bank account while the money-making apps also earn, which is a win-win. Here are some common strategies employed by money-making apps:


Many apps integrate ads into their interfaces, allowing businesses to reach a large audience and generate ad revenue. Users may earn a share of this revenue by interacting with ads, watching videos, or completing certain actions.

Surveys and Market Research

Money-making apps often partner with market research companies to gather valuable consumer insights. Users are incentivized to complete surveys or provide feedback, earning money or rewards.

Task Completion

Some apps offer users the chance to earn more money by completing specific tasks called incentives, such as participating in app testing, mystery shopping, or data entry. These tasks may be assigned by businesses or individuals seeking assistance.

In-App Purchases

Money-making apps may offer additional features, premium content, or virtual goods for purchase within the app. Users who make these purchases contribute to the app’s revenue stream.

Gaming and Contests

Gaming apps may incorporate in-app cash tournaments, challenges, or competitions where users can compete against others for cash prizes. These apps often generate revenue from entry fees or in-app purchases related to the gaming experience.

Affiliate Marketing

Money-making apps sometimes engage in affiliate marketing, promoting products or services from partner companies. Users who purchase through the app’s affiliate links can earn cashback or a commission.

Lock Screen and Ad Display

Certain apps display ads or sponsored content directly on the lock screen of users’ smartphones. Users earn money or rewards simply by unlocking their phones or engaging with the displayed content.

By combining these strategies, money-making apps aim to create a win-win scenario where users can earn money or rewards while app developers generate revenue through various channels.

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Paypal Cash, Free Gift Cards, or Cash Rewards In Your Bank Account?

The preference among PayPal cash, free gift cards, or cash rewards in your bank account or Paypal account ultimately depends on individual circumstances and personal preferences. Here are some factors to consider for each option:

PayPal Cash

PayPal is a widely recognized and accepted online payment platform. If you frequently make online purchases or need to transfer funds electronically, receiving PayPal cash can be convenient. It allows you to use the money for various online transactions, including shopping, bill payments, or sending money to others.

Free Gift Cards

Gift cards allow you to enjoy specific products, services, or experiences without directly spending money or shopping online. If you have a favorite retailer or enjoy exploring new brands, receiving gift cards can be a great option. Depending on the available gift card options, they can be used to shop for clothing, electronics, home goods, or even dining out.

Cash Rewards in Your Bank Account

Cash rewards in your bank account are the most flexible option if you prefer having direct control over your earnings and want to use the money for any purpose. It allows you to save, invest, pay bills, or use the funds for any personal financial goals or emergencies.

Consider your spending habits, financial goals, and personal preferences when choosing these options. Some apps may offer a combination of these rewards, allowing you to select the most suitable option based on your needs.

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What Are the Apps That Pay the Most Money?

The apps that pay more money can vary based on several factors, including the specific tasks or activities they offer, their target demographics, and the region in which they operate. While it’s challenging to provide an exhaustive list, here are a few types of apps known for offering lucrative earning opportunities:

Online Surveys and Market Research Apps

Apps like Swagbucks, Survey Junkie, and Toluna are famous for providing paid surveys and market research studies. These apps offer users the chance to earn money by sharing their opinions on various topics and participating in research studies.

Cashback and Receipt Scanning Apps

Apps such as Rakuten, Ibotta, and Receipt Hog allow users to earn cashback or rewards by purchasing at partner retailers or scanning and uploading receipts. These apps provide a percentage of the purchase amount back to the user through cash or gift cards.

Gig Economy Apps

Platforms like TaskRabbit, Fiverr, and Upwork connect users with freelancing opportunities, enabling them to offer their skills and services for a fee. Users can leverage their writing, graphic design, programming, or handyman work expertise to earn a substantial income.

Gaming and Esports Apps

Some gaming apps, such as HQ Trivia and Skillz, offer cash prizes or rewards for participating in trivia contests or skill-based competitions. Users who excel in gaming or have extensive knowledge in specific areas can potentially earn significant amounts through these apps.

Microtask Apps

Apps like Amazon Mechanical Turk and Clickworker provide microtask opportunities, where users complete small tasks, such as data entry, image tagging, or content moderation, for a predetermined payment. While individual tasks may not pay much, users can accumulate earnings over time.

Cashback Credit Card Apps

Certain credit cards apps, like Chase Freedom and Capital One Quicksilver, offer cashback rewards on purchases using their respective credit cards. Users can earn significant cashback rewards by strategically using these cards for everyday expenses.

Remember that the earning potential of these apps may vary based on factors like user engagement, task availability, and the effort invested. It’s advisable to research and read reviews before using any app to ensure it aligns with your interests and financial goals.

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Some of Our Favorite Apps That Pay Instantly



Swagbucks is a popular online rewards platform that allows users to earn money and gift cards by participating in various activities. It offers diverse earning opportunities, making it a preferred choice for many users. Overall, Swagbucks offers a convenient and enjoyable means to earn extra money or rewards online.

How can you earn money with Swagbucks:

With Swagbucks, there are numerous ways to earn money and rewards. You can start by taking paid online surveys and sharing your opinions and feedback. Additionally, you can earn cashback by shopping through Swagbucks at partner retailers.

You can also engage in web searches using the Swagbucks search engine and get a chance to win points. You can watch videos, play games, and complete daily polls and tasks to accumulate more points.

Furthermore, you can earn points through the referral program by inviting friends and family to join Swagbucks. As you collect points, you can redeem them for cash through Paypal cash or choose from a wide selection of gift cards from popular retailers.

Why we prefer it:

We prefer Swagbucks because of its flexibility, wide range of earning opportunities, and user-friendly interface. The platform offers multiple ways to earn money or gift cards, allowing users to choose activities that align with their interests and time availability.

Swagbucks also has a reputable track record, consistently paying out rewards to its users. Additionally, the ability to redeem points for cash through PayPal or for various popular gift cards adds to its appeal.



Mistplay is a mobile gaming platform that allows users to earn rewards and gift cards by playing games on their smartphones. It offers a unique and enjoyable way to make money while indulging in your favorite mobile games. Users can exchange their accumulated rewards for gift cards from popular retailers by playing games and earning units. The combination of entertainment, flexibility, and the ability to gain real-world rewards makes Mistplay a great choice among gamers looking to make the most of their gaming sessions.

How can you earn money with Mistplay:

Earning money with Mistplay is simple. Once you accumulate sufficient units, you can exchange them for various rewards, including gift cards for popular retailers like Amazon, Google Play, and more. These gift cards can be used to make purchases or top up your accounts within other apps or services.

Why we prefer it:

Mistplay is preferable for several reasons. Firstly, it allows users to turn their leisure time into a productive and rewarding activity. Instead of solely playing games for entertainment, Mistplay offers the added benefit of earning rewards while doing so. Secondly, the platform provides various games catering to different interests and preferences. Whether you enjoy strategy games, puzzles, or action-packed adventures, games are available to suit every player. Lastly, Mistplay’s user-friendly interface makes it easy to navigate and earn rewards immediately. It has a reputation for reliability and timely reward redemption, further adding to its appeal.



InboxDollars is an online rewards platform that allows users to earn money by completing various tasks and activities. It provides a range of opportunities to earn cash, making it a preferred choice for those seeking to make money online.

How can you earn money online with InboxDollars:

InboxDollars is one of the apps that pay users to participate in paid surveys where they share their opinions on various topics. These surveys provide an opportunity to earn cash rewards based on the length and complexity of the survey. Additionally, users can make money by reading paid emails, watching videos, and playing games available on the platform.

Another way to earn with InboxDollars is through cashback shopping. By accessing online retailers through InboxDollars links, users can earn a percentage of their purchases as cashback rewards. This feature allows users to save money on their online shopping while earning additional income.

InboxDollars also provides a referral program where users can earn money by inviting friends and family to join the platform. Users receive a bonus for each referred member who successfully signs up and starts earning with InboxDollars. This referral program offers a way to earn extra income by expanding the user’s network.

Why we prefer it:

We love Inbox Dollars due to its variety of earning opportunities and its user-friendly interface. It provides a straightforward way to earn money through surveys, reading emails, watching videos, playing games, and cashback shopping. The platform has a solid reputation and a history of paying out rewards promptly, ensuring users can trust and rely on their earnings. With its multiple ways to earn and redeem cash, InboxDollars offers a convenient and accessible means of making money online.

Fetch Rewards


Fetch Rewards is a mobile app allowing users to earn money by scanning their grocery receipts. It offers a hassle-free way to earn rewards for everyday purchases, making it a preferred choice for those looking to earn money effortlessly.

Fetch Rewards offers a convenient and straightforward way to earn money by scanning grocery receipts. With its wide range of eligible products and quick reward redemption options, users can quickly turn their regular purchases into valuable rewards. The app’s simplicity and versatility make it a popular choice for those seeking to earn money effortlessly while doing their everyday shopping.

How can you earn money online with Fetch Rewards:

Users must scan their grocery receipts using the app’s camera feature to make money with Fetch Rewards. The app then automatically detects eligible items and awards points based on purchases. Users can earn points for shopping online for various products, including groceries, beverages, household items, etc.

Once users accumulate certain points, they can redeem them for various rewards, such as gift cards to popular retailers like Amazon, Target, or Visa prepaid cards. The quick and straightforward redemption process allows users to enjoy the benefits of their earned rewards promptly.

Why we prefer it:

We like Fetch Rewards for several reasons. Firstly, it doesn’t require users to go out of their way or change their shopping habits. Users can earn rewards effortlessly by scanning receipts from their regular grocery shopping trips.

Secondly, the app accepts receipts from any store, making it versatile and applicable to various shopping preferences and locations. Lastly, Fetch Rewards has a user-friendly interface and a streamlined scanning process, ensuring a smooth and enjoyable user experience.



Robinhood is a popular investment platform that allows users to buy, sell, and trade stocks, exchange-traded funds (ETFs), cryptocurrencies, and other financial instruments. It offers a user-friendly interface and commission-free trading, making it a preferred choice for both beginner and experienced investors.

How can you earn money online with Robinhood:

To make money with Robinhood, users can invest in stocks and other financial instruments with the potential to grow in value over time. Users can research and choose from companies and funds listed on major stock exchanges. Users can make money through capital appreciation and dividend payments by making informed investment decisions.

Robinhood also offers the ability to invest in cryptocurrencies like Bitcoin, Ethereum, and others. Cryptocurrency investments can be volatile but have the potential for significant gains if the value of digital assets increases. Users can buy and sell cryptocurrencies through Robinhood’s platform, potentially capitalizing on price fluctuations.

Why we prefer it:

One of the reasons Robinhood is preferred by many is its commission-free trading model. Unlike traditional brokerages that charge fees for each trade, Robinhood allows users to buy and sell stocks, ETFs, and cryptocurrencies without paying commissions. This feature makes investing more accessible and cost-effective, especially for those starting with smaller amounts of capital.



Drop is a mobile app that allows users to earn rewards and cashback on their everyday purchases. It offers a seamless and passive way to make money while shopping, making it a preferred choice for those looking to maximize their savings.

How can you earn money with Drop:

Users need to link their debit or credit cards to the app to make money with Drop. Once connected, Drop automatically tracks their purchases at partner retailers and awards points based on the spending. Users can earn points for various categories, such as groceries, dining out, travel, and more.

The accumulated points can be redeemed for rewards such as gift cards to popular retailers like Amazon, Starbucks, and iTunes. Users can also convert their points into cashback, which can be deposited into their linked bank account.

Why we prefer it:

Here’s why we like Drop: Firstly, it offers a passive earning experience. Once users link their cards, they can earn rewards without any additional effort, as the app tracks their purchases automatically.

Secondly, Drop partners with a wide range of popular retailers, ensuring users have ample opportunities to earn points across different spending categories.

Lastly, the app’s user-friendly interface and straightforward redemption process make it convenient and accessible for users to earn and redeem rewards.



Cashyy is a free app that will top up your PayPal account while you play games. All you have to do is complete missions, and you will receive free money. The more you play the more paypal cash you earn.

How can you get free money with Cashyy:

Cashyy works straightforwardly – after you open the game through the app, you only have to play it like usual. You will then earn a specific number of coins once your cross a certain level within the game.

However, as your levels keeps increasing, the coins you will receive will gradually decrease.

Why we prefer it:

We love every app that pays you to play games, and with Cashyy you can usually receive cash payments within five business days in your Paypal account. You also have the option to convert your coins to gift cards instead of Paypal cash.



MyPoints is a popular online rewards platform that allows users to earn money and gift cards by participating in various activities. It offers diverse earning opportunities, making it a preferred choice for many users.

How can you get extra cash with MyPoints:

With MyPoints, users can earn money through several methods. One of the primary ways is by taking paid surveys on various topics like most of the apps mentioned here. Users can share their opinions and insights and receive points as a reward.

Additionally, users can earn points by shopping online through MyPoints’ partnered retailers and earning cashback rewards. The platform also offers opportunities to earn points by watching videos, playing games, printing and using coupons, and signing up for free trials.

These activities offer users multiple avenues to accumulate points and earn money or gift cards.

Why we prefer it:

We prefer MyPoints because of its flexibility, wide range of earning opportunities, and long-standing reputation in the rewards industry. The platform has been around for years, consistently providing users with reliable rewards and payouts.

It offers a user-friendly interface, making navigating and engaging with the available earning activities easy. MyPoints also provides a wide selection of gift card options, allowing users to choose rewards that suit their preferences.



Kashkick is a legit app that allows users to earn money by participating in various tasks and activities. It is a preferred choice for individuals looking to make money through online surveys, completing offers, and engaging in other simple tasks.

With Kashkick, users can earn money in several ways:

How can you earn rewards with KashKick:

The primary method is by taking paid surveys on various topics. By sharing their opinions and feedback, users can earn cash rewards.

The app also provides opportunities to earn money by completing offers, signing up for free trials, watching videos, and referring friends to join Kashkick.

These activities contribute to users’ earnings and allow them to accumulate money over time.

Why we prefer it:

Kashkick is preferred by many due to its user-friendly interface and the variety of earning opportunities it offers. The app provides a seamless and straightforward experience, allowing users to easily navigate through available tasks and complete them at their convenience.

Kashkick also offers timely payouts, ensuring that users receive their earned extra money on time.

Additionally, the app provides a referral program, allowing users to earn additional income by inviting friends and family to join the platform.



Ibotta is a popular cash app that allows users to get a direct deposit in their bank account and win real cash prizes by making everyday purchases. It offers a convenient and straightforward way to save money while shopping, making it a preferred choice for many users. With Ibotta, users can earn money through a few simple steps.

How can you get earn cash rewards with Ibotta:

First, users browse and select offers on the app for products they plan to purchase. These offers can include cashback on groceries, household items, and more. After shopping, users can upload a photo of their receipt or link their loyalty cards to verify their purchases and earn cashback. The app also offers additional earning opportunities, such as completing mobile shopping tasks or referring friends to join Ibotta.

Why we prefer it:

Why do we love Ibotta? Firstly, it provides various cashback offers across various categories, including groceries, personal care products, and online shopping. This allows users to save money on items they regularly purchase.

Secondly, Ibotta has a user-friendly interface and a straightforward redemption process. Users can easily browse available offers, upload receipts, and receive cashback rewards directly into their Ibotta account.

Finally, Ibotta offers a variety of payout options, including cash transfers to PayPal or Venmo, gift cards, and more. This flexibility in redeeming rewards adds to its appeal.



Acorns is a popular investment app that allows users to grow their wealth by investing their spare change. It offers a simple and automated way to start investing, making it a preferred choice for individuals looking to build their financial future.

How can you get earn cash rewards with Acorns:

With Acorns, users can earn money through “round-ups.” When users link their debit or credit cards to the app, Acorns automatically rounds up their purchases to the nearest dollar and invests the spare change. For example, if a user spends $3.50 on a coffee, Acorns will round it up to $4 and invest the extra $0.50.

This automated approach to investing allows users to gradually accumulate funds over time without requiring significant upfront investments.

Additionally, Acorns offers other investment options, such as recurring investments and “Found Money” rewards, where users can earn cashback when purchasing with Acorns’ partner brands.

Why we prefer it:

Firstly, it simplifies the investment process, making it accessible to individuals who may not have extensive knowledge or experience in investing. The app offers a user-friendly interface, educational resources, and automated features that remove the complexities often associated with investing.

Secondly, Acorns promotes a “set it and forget it” approach, allowing users to invest consistently without actively managing their portfolios. This passive investing approach suits individuals who prefer a hands-off investment approach.

Lastly, Acorns offers diversified investment portfolios tailored to different risk levels, allowing users to choose the portfolio that aligns with their financial goals and risk tolerance. This diversification helps spread the investment risk and potentially increase returns.

Users can steadily accumulate funds through its round-up feature, recurring investments, and partnership rewards. The app’s simplicity, automation, and diversified investment options make it preferable for individuals who want to start investing and potentially build long-term financial stability.

Read more: 5 Best Brand Collaborations Apps For Skyrocketing Sales in 2023

Top Tips For Using Free Apps That Pay Real Money Instantly

Figure out what you like to do the most

Figuring out what you like to do the most while using free apps that pay cash is important because it allows you to optimize your earning potential and enjoy the process.

By identifying the activities you enjoy the most, you can focus your time and energy on those specific tasks within the app. This helps you maximize your productivity and efficiency, as you’re more likely to dedicate yourself to activities that genuinely interest you.

When you enjoy what you’re doing, it feels less like work and more like a rewarding experience.

Leverage the signup bonus

Before signing up for any app, research different platforms and compare their signup bonus offers. Look for apps that provide attractive signup bonuses, such as cash rewards, gift cards, or other incentives.

Consider factors like the required actions to unlock the bonus, any minimum spending or activity thresholds, and the overall value of the bonus.

Try various apps to find the one that sticks

Each app has its own features, earning opportunities, and user experience. By trying out different apps, you can explore various options and find the one that best aligns with your preferences and earning goals.

Some apps may offer higher payouts, more engaging activities, or better rewards, so experimenting with different apps allows you to identify the platform that suits you best.

Utilize the ones you use the most

Not all apps offer the same earning opportunities or rewards. By trying various apps, you can diversify your income sources and use different earning methods. Some apps focus on surveys, while others emphasize cashback for shopping, completing offers, or referral programs.

Open a paypal account or a cash app account

PayPal and cash accounts are a convenient and secure way to receive your earnings from the apps. These accounts allow you to receive money electronically, ensuring fast and efficient payment transfers.

Many apps integrate with PayPal as a trusted payment processor, making it a widely accepted and convenient option for receiving cash rewards.

Read more: What Are the 7 Best Mobile App Conferences of 2023?

Final thoughts

In conclusion, the world of free apps that pay real money instantly offers exciting opportunities for users to earn extra cash or rewards effortlessly.

We have explored 11 top picks encompassing diverse earning methods, from surveys and cashback to gaming and investing. These apps, such as Swagbucks, Mistplay, and InboxDollars, provide convenient ways to make money through activities you enjoy.

Whether you prefer PayPal cash, gift cards, or direct deposits to your bank account, there is an app that caters to your chosen payment method. By leveraging these apps, users can turn their spare time into valuable earnings and enhance their financial well-being.

So why not take advantage of these free apps and instantly make real money? The possibilities are endless, and with time and effort, you can unlock a world of earning potential right at your fingertips.

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