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If you have read our article; 16 Best Smartphone Apps That Pay You money 2018/2019, you probably would have found fun and entertaining ways to earn money using your mobile phone.

Are there apps that make you money? And today we are looking at the HIGHEST paying apps that pay you money. These money making apps are perfect for iPhone or android users and most of them pay. You can make money fast with free money making apps on your phone. Whether you use an android or iPhone device, these 25 best money making apps are exactly what you need. Give these free and legit money making apps a try. Earn money with your smartphone by taking surveys, playing games, shopping, and more. Plus, they have an app so you can earn points while you are in line. It’s a great app to add to your collection of cash back apps that pay you money. Here's a list of the Highest Paying Apps in 2020 all Tried and Tested! Download the apps you like and start making money today. You'll love #6, easiest way to make money.

Earn Money apps are now more popular than get paid to sites as you can earn money while on the go and not limited to using a desktop device. The best money making apps allow you to make some extra cash for beer money.

This post shows you the 17 best smartphone apps that pay you money 2021 and includes both the top Android and iOS apps. The countdown is based on app reliability, the ease of use and the money making potential.

17 Best Smartphone Apps That Pay You Money 2021

17) Cash For Apps

Cash For Apps is a good stable app that pays you to install apps. When you install apps advertised on Cash For Apps offerwalls you can then delete them once you are credited points.

300 points on this app are worth $1 and points can be exchanged for gift cards for stores including Amazon, CVS, eBay, Target, Starbucks, Google Play and many more.

You can earn bonus points by referring friends, however as it is only limited to app downloads, the earnings potential will not be as good as other apps in our list.

The app is available from the iOS app store and Google Play store. If you have one account on either and have a device from both, they will be synched.

16) Ebates

The Ebates app is a good earning app for anyone loves to shop online. Ebates is one of the best cashback.

Ebates will give you $5 to sign up so that is a great reason for you to download this app on to your smartphone.

You can get paid for shopping at any of the 750+ approved shops including Microsoft, Sephora and Etsy.

You can also earn money by referring your friends to use this free earn money app.

15) cashKarma Rewards & Gift Cards

cashKarma is a popular app that will pay you for downloading apps, signing up for free trials and watching videos. For paid video views you get 1 point per video view and you can watch 50 per day.

You can redeem points for PayPal cash, Amazon gift cards of $5 and $10 amounts.

With cashKarma, you get rewarded to check in to the app daily and there are other bonuses when you achieve milestones.

There is a referral system to help you earn more points by having your friends sign up.

14) App Bounty

App Bounty has over 5,000,000 installs and over 100,000 5 star ratings on the Play Store. The way the app works is mainly by downloading and installing other apps. There are also offerwall offers for you to earn credits which you can exchange for gift vouchers.

The app is international in its reach so if you are from outside of the US, you can also benefit from downloading the app.

Overall the app is good and the payments are reliable. On the downside it can seem like forever to build your credits up.

You can swap credits for gift cards from iTunes, Amazon, Steam and more. This is one of the best apps that pay you money.

13) Make Money And Free Gift Cards

The Make Money And Free Gift Cards app makes our list for the first time! Over 30,000 reviews and most of them positive.

Over the past year a lot of apps have been removed from the Google Play Store for being scams and the fact that advertisers are no longer paying good money. As a result the quality of the apps are now better and actually pay you.

Make Money And Free Gift Cards say that you could reach your first cashout within 2 days!

12) Tapporo

Tapporo remains one of the elite rewards and money making apps. Consistently in our top 5 list, Tapporo is one of the oldest and reliable apps that you can find on the Google Play Store. This app was even listed in our 2015 list of best money making apps.

Based on the web version, Tapporo.com, they offer some of the best referral rates of $0.60 per sign up. If you have 100 friends, there is $60 free cash for you!

The high referral reward rate is one of the reasons we love this app. It can be a little difficult to earn money other than that however, it is easily one of the best apps that you can download that will earn you cash.

Rewards include PayPal cash, Amazon vouchers, mobile accessories and more!

11) Storm Play – Earn Free Bitcoin, Ethereum & Storm (Was Bitmaker)

Do you want free Bitcoin or Ethereum? Bitmaker Free Bitcoin, now renamed Storm Play can help you get free cryptocurrency. The app was built initially by cakecodes but has since been sold. This app pays you blocks which can then be exchanged for Bitcoin (This was satoshi before an update in March 2017). You must do a number of different tasks like answer surveys, install games and more to earn blocks.

The payout is low so you get paid on Fridays when you reach the threshold (this keeps changing depending on cryptocurrency trading prices. Remember to receive Bitcoin, you must have a Bitcoin wallet and a separate wallet if you want to receive Ethereum. You can find Bitcoin wallets online and easily sign up to them.

Recent updates have made this app worse. We had at number 2 on the best apps that pay you, but no longer!

10) Survey Mini

Survey Mini features in our run down for a second year. It is a survey app, however it is best if you are living in the United States. The app is available to both iOS and Android users.

How you get paid is by visiting local places where you have been to and you will receive surveys based on your experiences at those locations.

If you love going to restaurants, shops or visiting local attractions then you could benefit from using this app

You can receive rewards from Survey Mini for free food, discounts and points for gift cards for the stores that you visit.

9) Ibotta

Ibotta is one of the oldest apps on the Google Play and Apple App Stores.

The way that Ibotta works is that you get cashback based on purchases that you have previously made. Overall it is a reliable app and is used by millions to earn cashback on purchases that they make online.

US users can enjoy taking advantage of free coupons for top online stores.

8) Make Money Earn Free Cash

We said in 2016 & 2017 that Make Money Earn Free Cash had a lot of potential and it still has. Now with over 1 Million installs it is one of the most popular get paid to apps on the market. Last year the app was rated on the Play Store at 4.6 and in 2021, it remains the same.

There are numerous ways to earn however it can be slow and tedious. The rewards are earned by watching videos, filling in surveys and taking advantage of free trials.

PayPal is the only option to cash out your rewards, which for most is a good thing.

7) App Karma

App Karma makes it debut on our top paying apps list. With App Karma you can earn daily rewards easy by using your smartphone. With over 1 million installs, it is easily the most popular app that you can download for free from the Google Play Store. There is also an iOS version of the app also available for you to download for free.

Gift cards are available worldwide and not just for the US making this app appeal to a global audience. When you redeem your rewards, App Karma give you 5% of the points back to you!

Rewards include Amazon gift cards, PayPal cash, Starbucks vouchers and Google Play gift cards.

6) Earny

Earny is a free app that pays you when price drop on purchases with a price guarantee.

Earny works to claim money back on purchases made on:

• Online shopping
• Travel bookings
• Credit card purchases

Instead of having to make claims on previous purchases, Earny scans best prices based on receipts that you have scanned.

5) CashPirate

Cashpirate is one of our favourite apps. It has been consistently in the top 5 in past years, however, the app and its payouts remain reliable. At the start of 2016 we were earning $15-50 per month and this still remains the case. We have never had any problems with payments ever! We are not affiliated with this app and just telling the truth!

With this app, you can earn PayPal cash, Bitcoins and Amazon Vouchers. The minimum payout is $2.50 PayPal cash.

Points are earned in this app by downloading new apps and completing offers.

You earn by watching videos but the number of videos available for you to watch is now limited. The referral program is probably the best of all apps as you get 10% of your referrals earnings and 5% of the referrals referrals earnings.

The interface of this app is extremely dated when compared to others.

The reason it is remains on our top 10 list is the fact that Cash Pirate does pay on time when you request. We have never had any bother regarding payments from CashPirate.

Click here to download and use referral code OANTJM

4) GiftPanda – Cashback Shopping

GiftPanda is an earning app where you get paid to:

• Play games
• Download apps
• Get paid to Shop online
• Refer friends

The app is moving towards becoming a cashback app for those who shop online often.

GiftPanda is an app created by the team at Aye-T Studios who have also created CashPirate.

3) Swagbucks

Swagbucks is one of the best apps that you can install to make money. This is one of the best apps that actually pays you. You can sign up to their website and earn money by going surveys, playing games, shopping online and more.

The rewards range from gift cards and much more. If you want to get paid by Paypal, this is also an option available to you.

2) American Consumer Opinion

American Consumer Opinion, also known as ACOP, is the best iOS app that pays you, however, it is only available on Apple devices unfortunately.

Should the developers extend to Android, which it is likely that it will eventually, it will certainly be a contender to be the best paying app of all.

ACOP are a leading survey panel and are known as one of the best paying survey sites for people in the US, UK and Canada.

The app has a decent interface and is straight forward to use. You will get alerts when you get an invitation to participate in a survey.

American Consumer Opinion are quick to pay when you get to the payout threshold. You can choose a variety of rewards upon payout, however PayPal is the best choice as it is cash in your pocket.

We did a review of the survey panel, see this post for details of ACOP that pays you cash.

1) Mintos

By far the best way to make money with your smartphone is to use the investment app Mintos. Mintos is a European P2P investment platform that offers an average return of 12% on investments.

A winning strategy here is to use money you earn from using the other apps listed above and investing those earnings with Mintos.

If you invest as little as $100 each month with Mintos you will end up with $1267.57

with a profit of $67.57. If you consider compound interest and invest the same every month, you will earn $4517.57 profit by year 7.

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There are not many apps available that can make you rich, however, Mintos is one that has the potential. Of course there is risk involved with any investment but with Mintos there is a 99% buyback guarantee with the investments and by using money you earn using other apps, you minimize your own personal financial risk.

That is the run down of the 17 Best Money Making Apps 2021. We recommend that you download most of the apps in the list above to maximize your chances of earning cash with payouts on a weekly and monthly basis.

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There are two ways to pay with Google and both of them use the free payment platform called Google Pay. One lets you buy things and the other is for sending and receiving money with other users.

The first app, Google Pay for Android, lets you pay for things online, in stores, in apps, and other places. It works for Android devices only and is only accepted in select places where it is supported. Google Pay used to be called Android Pay and Pay with Google.

The second—called Google Pay on iPhone, and Google Pay Send on Android—is another payment app from Google. But instead of letting you buy things, it’s used to send and receive money with other people. It is 100% free and works on computers, phones, and tablets, for both iOS and Android. This used to be called Google Wallet.

What Is Google Pay?

It is a new mobile payments app that can store your credit cards, debit cards, loyalty cards, etc. In addition, Google will launch a redesign of the Google Wallet app, which you can use for sending and requesting money. That’s now called Google Pay Send, keeping it in line with the Google Pay brand. However, US and UK users can soon use this app for sending and requesting money, too.

Confusing, we know. Anyway, it is officially your one-stop shop for purchases, passes, and payment methods. Google is currently working on bringing Google Pay to all Google products. So whether you’re shopping on Chrome or with Google Assistant, you’ll have a consistent checkout experience, using the cards saved to your Google Account, the company explained in a blog post.

It’s also working with partners online and in stores. So you will see this on sites, in apps, and at your stores around the globe.

How Secure Is Its Transaction?

Transactions using Google Pay are secure as Google keeps all payment information on secure servers. Your full card details are never stored on your phone or shared with merchants when you use it. Merchants are only provided with your Virtual Account Number.

When Google Pay is used for transactions a confirmation appears in the app which can assist you to detect suspicious activity sooner. This alert contains where the transaction occurred along with the merchant’s name and the amount of the payment or refund.

If you misplace your phone you can use Android Device Manager to either lock your device or perform a remote factory reset to prevent further Google Pay transactions being processed.

Is Google Pay Different from Android Pay?

The Android Pay app has become the Google Pay app. So, this app is basically a redesign of Android Pay. But, in terms of functionality, not much is new – except that the new Google Pay home screen now shows you relevant, nearby stores that accept it. That list is personalized and based on previous stores where you have used the service, and it’s based on your location. The home screen also shows you all of your recent purchases.

Google Pay is technically split into two halves: the new Home tab and the Card tab. While the Home tab shows you nearby stores and recent purchases, it also lets you easily access your rewards and get helpful tips. As for the Cards tab, it’s where you’ll store your credit and debit cards, loyalty programs, offers, and even gift cards. So, it sounds like Android Pay’s core features are still here. Google said more features are coming, too.

How Do You Set Up It?

To get started using it, follow these steps:

1. Look for the Google Pay app on your phone. It will be updated from the Android Pay you may have already installed. It’ll also be preloaded on several devices, but you can also simply download it from Google Play. It’s only available in countries that support it, however.
2. Open the app and add a credit or debit card within Cards tab. If it’s your first time using the app, tap Get Started, then select a payment method to add, and take a photo of your card or enter your information. Google will then verify you via SMS or email authentication.
3. That’s it. Simply unlock your phone and tap to use it at any contactless payment terminal. You can also use it in apps and sites.

How Does It Work in Stores?

To do in-store purchases with this, follow these steps:

1. Look for the Google Pay symbol or contactless payment symbol at a contactless payment terminal near checkout.
2. Unlock your phone.
3. Hold your phone over the terminal and wait until you see a checkmark.
4. That’s it. No need to even open the app.

When Google first unveiled Google Pay, it said you would be able to pay for goods by simply unlocking your Android phone like you normally do (which also enables it to authenticate your transaction). Then you should place it near a merchant’s contactless terminal, and that’s it. Keep in mind, according to Google, you also pay for purchases under £30 without unlocking your phone (the screen just needs to be on).

For purchases above that, you’ll need to put in your authentication. You don’t even need to open an app to process a payment. It just lets you tap and go, and then you receive the confirmation/transaction details on your phone. Also, when you pay at select retailers, your loyalty points and offers will be auto-applied at checkout. You might also get special offers piped to your phone when near checkouts.

How Does It Work in Apps?

To do in-app purchases with this, follow these steps:

1. Open a supported app, like Uber or Airbnb.
2. At checkout or time of purchase, look for the Buy with Google Pay button (or older buttons like Android Pay or Google Wallet).
3. Press the Google Pay button.
4. You might be asked to pick a payment method or enter your shipping address before confirming your order.

Android offers a “Buy with Google Pay” button in apps, meaning you will be able to tap a button and swiftly checkout, rather than having to enter your credit card and shipping address each time you make a purchase.

How Does It Work in Sites?

To pay in supported sites with this, follow these steps:

1. You can use it in any browser.
2. At checkout on a supported site, just look for the Google Pay purchase button.
3. You might be asked to pick a payment method or enter your shipping address before confirming your order.

Now, if you see a box at checkout that says “Use selected info for future purchases from this site,” check it to use it and set it as your default payment method. The next time you plan to buy from that site, just choose what you want to buy, start to check out, and confirm that you want to use the payment information associated with it. Then, all your information will be auto-filled.

What else Can You Do with Google Pay?

Peer-to-peer payments

Soon, thanks to new functionality from Google Pay Send (formerly Google Wallet), so you can use it to instantly send money to friends. If they have an email or phone number, you can pay them with it. And it will work via Google Assistant, too. You’ll just say, “OK Google, send [money amount] to [friend’s name] for [reason].” So, “OK Google, send $25 to Greg for concert tickets.”

Which Banks Work with It?

US

It works with your credit and debit cards from the following US financial institutions: American Express, Discover, MasterCard, and Visa. These cards are issued by the following US banks and credit unions: Bank of America, Capitol One, Chase, Citi, Discover, PNC, US Bank, Wells Fargo, and more.

UK

It works with your credit and debit cards from the following UK financial institutions: Visa and MasterCard cards are supported. These financial institutions support it in the UK: Bank of Scotland, First Direct, Halifax, HSBC, Lloyds Bank, M&S Bank, MBNA, Nationwide Building Society, Natwest, and more.

PayPal Expands Google Support

Users have been able to use PayPal to pay on Google Pay for some time now. But PayPal is continuing to make things easier for Google-bound users in the U.S.

On May 24, 2018, PayPal announced that registering your PayPal account with any one of Google’s services would seamlessly allow users to access that same account on Google’s other services, without needing to set up the account’s details on those other services.

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This means that if you set up your Google Pay account to pay via PayPal, your PayPal account will automatically become enabled on Gmail, the Google Play Store, YouTube, or anywhere that Google offers a payment service, without you needing to log in again.

Google Pay Send Is Now Part of Google Pay

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GooglePay and Google Pay Send users in the U.S. no longer need two apps for all of their contactless payments. Now GooglePay allows you to make peer to peer payments directly from the app. If you’re outside the United States you’ll need to continue using both of them separately for the time being.

Google Pay Now Stores Boarding Passes and Tickets

First announced at the 2018 Google I/O conference, Google Pay now allows you to store mobile boarding passes and event tickets within the app.

Currently only a handful of companies, including Southwest Airlines, Singapore Airlines, Southwest, Eventbrite, Ticketmaster, and FortessGB, are participating in the rollout, however you should see many more firms add the feature in the coming months.

To store passes or tickets in it you can either select the “Send ticket to my phone” option from participating websites or elect the same option via email from companies that support GooglePay Tickets. If you want to access your tickets, just tap on the Passes tab.

Conclusion

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There are a lot of big players in mobile payments these days. The most iconic of them are Apple Pay and Samsung Pay. GooglePay competes with both services. But it is quite similar to Apple Pay in its implementation and reliance on NFC technology.

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In contrast, Samsung Pay uses a unique system that is capable of manipulating regular card registers. The MST technology, which Samsung acquired for $200 million, allows the payments service to be compatible in every store that supports credit cards with magstripes. As such, Samsung Pay has a much longer reach than the 2 others, though it is limited to Samsung phones and the Gear S2 or Gear S3 smartwatch only.