Money-Making Apps in the UK: 12 Apps Worth Exploring

Your smartphone could be useful for more than just messaging, shopping and scrolling. There are apps that reward people for completing surveys, testing products, carrying out small tasks, selling unwanted possessions and shopping through cashback platforms.

Some can provide small rewards during spare moments, while others involve more practical work or selling items you no longer need.

However, not all money-making apps work in the same way. Some pay cash, others provide points or gift cards, and cashback apps return money when you make qualifying purchases.

The amount you can earn also varies. Task availability, eligibility, payment conditions and the time involved all affect whether an app is worthwhile.

At Monzenta, we help you explore different earning opportunities, compare what's involved and find potential routes that suit your circumstances.

Looking for more than just apps? The Monzenta Planner can help you explore a wider range of opportunities based on your goals, available time and circumstances.

The platforms featured in this guide are examples, not a ranking or guarantee of earnings. Availability, rewards and payment conditions can change.

12 money-making apps worth considering

Here are 12 apps and platforms worth exploring if you're looking for ways to earn or save money using your phone.

Paid survey and reward apps

These apps reward you for answering questions, sharing opinions, completing selected activities or participating in market research.

1. AttaPoll

Best for: Completing short surveys using your phone.

AttaPoll is a mobile survey app that connects users with market research opportunities.

You can browse available surveys, check their estimated length and reward, and choose which ones you'd like to complete.

Depending on your account and location, the app may also offer other reward activities.

How it works:

1. Download the app and create an account.
2. Complete your profile so surveys can be matched to you.
3. Browse available surveys and check their requirements.
4. Complete eligible surveys to collect rewards.
5. Withdraw your available balance using one of the supported payment methods.

AttaPoll supports several withdrawal options, which may include PayPal, bank transfer, Revolut and gift cards. Available methods and minimum withdrawal amounts can vary, so check the options shown in your account.

Not every survey will be suitable for your profile, and you may sometimes be screened out after answering initial questions.

Visit: AttaPoll.

2. Qmee

Best for: Surveys with flexible withdrawal options.

Qmee is a survey and rewards app that allows users to earn money by completing surveys and selected online activities.

The app is available on iOS and Android, and there's also a browser-based version.

How it works:

1. Create a free account.
2. Complete your profile.
3. Browse available surveys.
4. Complete surveys that match your eligibility.
5. Build up rewards and withdraw when you're ready.

One useful feature is that Qmee currently offers PayPal withdrawals without a minimum cash-out threshold for eligible UK users.

Other reward options, including gift cards, may also be available.

Survey availability and eligibility vary. You may not qualify for every survey you attempt.

Visit: Qmee.

3. Ipsos iSay

Best for: Earning rewards through established market research surveys.

Ipsos iSay is a survey rewards community operated by Ipsos, an established market research company.

Members can participate in surveys and receive points for completed activities.

How it works:

1. Register for an account.
2. Complete your profile.
3. Receive invitations to relevant surveys.
4. Complete surveys to collect points.
5. Exchange points for available rewards.

The UK rewards catalogue includes options such as PayPal rewards, prepaid cards and retailer gift cards.

Ipsos iSay also has dedicated iOS and Android apps, allowing you to receive survey notifications and complete surveys from your phone.

The number of invitations you receive depends on your profile and the research being conducted.

Visit: Ipsos iSay.

4. Swagbucks

Best for: Earning points through different online activities.

Swagbucks is a rewards platform that offers several ways to collect points, known as SB.

Activities can include:

• Completing surveys.
• Playing eligible games.
• Shopping through participating retailers.
• Exploring selected promotional offers.
• Completing other available online activities.

Once you've collected enough points, you can exchange them for rewards through the platform's rewards catalogue.

Depending on the UK rewards currently available, options can include PayPal payments and gift cards.

PayPal is a cash redemption option rather than a direct bank payout through Swagbucks. Its help centre says reward processing can take up to five working days.

Not every activity is available to every member, and some offers have qualifying conditions. Check the requirements carefully before starting an activity.

Visit: Swagbucks.

5. Freecash

Best for: Surveys, games and online reward tasks.

Freecash is a rewards platform that pays users for completing selected online activities.

These can include:

• Surveys.
• Mobile game offers.
• Product and service testing.
• App-related tasks.
• Other promotional activities.

Each offer has its own conditions. Some require you to reach a particular level in a game or complete several steps before rewards are credited.

How it works:

1. Create a free account.
2. Browse available offers.
3. Check the reward and completion requirements.
4. Complete an activity and wait for it to be credited.
5. Withdraw using an eligible payment option.

Freecash supports several withdrawal methods, including PayPal, bank transfer, cryptocurrency and gift cards, although options vary by country.

Important payment conditions: Freecash currently requires email verification and identity verification for first withdrawals. Its published first-withdrawal guidance lists a minimum threshold of $25. Check the exact withdrawal amount and available methods shown in your account before starting.

Some offers also involve purchases, subscriptions or other commitments. Don't spend money simply to unlock a reward unless you've fully understood the costs and are comfortable with the risk.

Visit: Freecash.

Paid task and testing apps

Some apps pay users to complete practical tasks or provide feedback about products and services.

These can involve visiting shops, checking products, taking photographs or testing websites.

6. Roamler

Best for: Local research and retail tasks.

Roamler connects users with companies that need information about products, stores and services.

Tasks can include:

• Checking product availability.
• Photographing shop displays.
• Checking promotional materials.
• Completing mystery-shopping activities.
• Providing feedback about products and services.
• Completing selected tasks from home.

You can browse tasks in the app and choose opportunities that suit your location and availability.

Once a task has been completed and approved, earnings can be withdrawn using supported payment methods, including PayPal and bank transfer.

Roamler currently states that there is no minimum earnings threshold for withdrawal, but fees apply:

• PayPal withdrawals carry a 3% fee.
• Bank withdrawals below £25 carry a 40p fee.
• Bank withdrawals of £25 or more are currently free.

Payments depend on task approval and processing arrangements. Check the fees displayed in the app before confirming a withdrawal.

Task availability varies significantly by location, so it's worth checking whether there are opportunities near you.

Visit: Roamler.

7. Field Agent

Best for: Getting paid to complete local product and store checks.

Field Agent is a mobile task platform that offers small research and retail assignments.

Companies use the platform to collect information about their products, competitors and in-store displays.

Tasks can include:

• Checking product prices.
• Photographing products on shelves.
• Checking promotional displays.
• Completing short surveys.
• Providing feedback about stores and products.

Field Agent's UK guidance says jobs typically pay between £2 and £10 each, although individual task rewards vary.

Payments are stored in your Field Agent account until you withdraw them to your bank account after successful task approval.

You may need to visit specific locations and complete the assignment within its allotted time.

Visit: Field Agent UK.

8. UserTesting

Best for: Testing websites and apps and providing feedback.

UserTesting pays approved participants for providing feedback on websites, apps and digital experiences.

You may be asked to:

• Navigate a website.
• Complete specific tasks.
• Test an app.
• Explain your experience while using a product.
• Participate in a live research conversation.

You generally need to complete an application and an unpaid practice test before receiving paid opportunities.

The amount offered varies depending on the test, its duration and customer demand. You'll normally see the payment before accepting a test.

Payments are made through a verified PayPal account, usually 14 days after completing a test. Payments are made in US dollars, so PayPal may convert the amount into pounds.

Not every participant receives a steady supply of tests, and some opportunities require a computer, microphone or other equipment.

Visit: UserTesting.

Cashback apps

Cashback apps work differently from survey and task apps. They return some money when you make qualifying purchases through participating retailers.

They can help reduce shopping costs, but cashback is not free income because it normally requires you to spend money first.

9. Quidco

Best for: Earning cashback when shopping with participating retailers.

Quidco is a UK cashback platform with a dedicated mobile app.

You can browse participating retailers, activate cashback offers and shop through the tracked links.

When a qualifying purchase is tracked and confirmed, cashback is added to your account.

The app also lets you monitor purchases, check cashback progress and request withdrawals.

Quidco currently offers:

• Bank transfer.
• PayPal.
• Retailer gift cards.

Bank transfer and PayPal withdrawals have a minimum of £1. Gift-card withdrawal minimums vary by retailer.

Cashback can take time to become confirmed because retailers may need to validate purchases and wait for return periods to pass.

Visit: Quidco.

10. TopCashback

Best for: Comparing cashback offers across a wide range of retailers.

TopCashback is another established UK cashback platform.

It works by giving you access to retailers through tracked links. When you make an eligible purchase, the retailer pays a commission to the cashback platform, which can then be passed back to you.

The app allows you to:

• Browse cashback offers.
• Compare participating retailers.
• Track purchases.
• Monitor your cashback balance.
• Request eligible withdrawals.

Depending on the retailer and offer, you may be able to receive cashback through bank transfer, PayPal or selected gift-card options.

Cashback is only available on qualifying purchases, and retailers must confirm the transaction before the money becomes available to withdraw.

Visit: TopCashback.

Selling apps

Selling apps can help you turn unwanted possessions into money without necessarily starting a business.

If you already own items you no longer need, selling them could be a practical way to generate some additional cash.

11. Vinted

Best for: Selling unwanted clothing, footwear and accessories.

Vinted allows people to buy and sell second-hand clothing and other permitted items.

You can list unwanted possessions, upload photographs, set your asking price and communicate with potential buyers through the app.

Popular categories include:

• Clothing.
• Shoes.
• Bags and accessories.
• Children's items.
• Homeware.
• Selected electronics and other permitted products.

Vinted currently charges no standard selling fee for private sellers listing and selling eligible items on the platform.

Once an order has been completed, the money becomes available in your Vinted Balance. Funds can remain pending until the buyer receives the item and the order is completed.

You can withdraw available funds to an eligible UK bank account. Withdrawals can take up to five business days.

Important: You only receive money when an item sells. The platform does not pay you simply for listing products, and buyers may take time to find your items.

Visit: Vinted.

12. eBay

Best for: Selling a wider range of second-hand and unwanted items.

eBay is an online marketplace where you can sell products to buyers across the UK and internationally.

Unlike specialist clothing resale platforms, eBay covers a much wider range of categories.

You could sell:

• Electronics.
• Games and consoles.
• Collectables.
• Clothing.
• Furniture.
• Tools.
• Household items.
• Specialist equipment.

You can create listings through the app, add photographs, set prices and choose suitable delivery arrangements.

As of November 2026, UK-based private sellers can list and sell most eligible items without standard selling fees. The current allowance includes 300 free listings each month, with charges potentially applying to optional listing upgrades, overseas delivery and certain excluded categories, including vehicles.

Business sellers and vehicle listings operate under different fee arrangements.

Read the current terms before listing items, particularly if you intend to sell regularly or buy stock for resale.

Visit: eBay UK.

Other platforms worth knowing about

Not everything that helps you make money through your phone is strictly a money-making app.

Some useful platforms operate primarily through a mobile-friendly website instead.

Prolific: Paid research studies

Prolific connects participants with academic and commercial research studies.

Unlike traditional survey apps, studies can involve more detailed research activities and feedback.

You can browse available studies, check the reward and participate when you meet the eligibility requirements.

Prolific currently operates through its website rather than a dedicated mobile app.

Its approved-balance cash-out threshold is £6. Payments are sent through PayPal, and researchers can take up to 22 days to approve submissions.

Visit: Prolific.

Cashback.co.uk: Offer and task-based rewards

Cashback.co.uk is a UK rewards platform that gives members opportunities to earn money by completing promotional offers and online tasks.

It works differently from traditional shopping cashback platforms such as Quidco and TopCashback.

Members are presented with ten levels containing offers and tasks. You need to complete at least one qualifying task at each level, with all ten levels eventually confirmed, before you can request your first withdrawal.

Some tasks are free, while others may involve purchases, free trials or subscriptions.

Important: Read the full conditions before completing an offer. Check the cost, payment requirements, renewal date and cancellation process for any trial or subscription. Don't spend money you need for essentials simply to complete a reward level.

Tasks can take time to be confirmed by advertisers. Cashback.co.uk states that confirmation can take up to 15 days.

Once all ten levels have been confirmed, eligible members can request payment by bank transfer or PayPal.

Cashback.co.uk is free to join, but completing its offers is not necessarily cost-free.

Visit: Cashback.co.uk.

Work platforms: Earn through services

If you're looking to earn more than small survey or cashback rewards, work platforms may be worth considering.

Examples include:

• Uber Eats: Deliver food and earn for completed deliveries.
• Deliveroo: Accept delivery orders and receive payment for completed work.
• Rover: Offer dog walking, pet sitting and other pet-care services.

These are not passive earning apps. You'll need to meet the relevant eligibility requirements and provide an actual service.

Some platforms also involve transport, insurance, equipment or other costs.

Explore our guide to Flexible Jobs for more information.

Where does Monzenta fit?

Monzenta: Find opportunities that fit your circumstances

Monzenta is different from the individual apps listed above.

We don't pay users for completing surveys, selling items or downloading applications. Instead, Monzenta helps you explore different earning opportunities, understand what's involved and compare potential routes based on your circumstances.

You can explore opportunities including:

• Flexible work.
• Online earning.
• Cashback and rewards.
• Bank switching offers.
• Side hustles.

Rather than downloading lots of apps and hoping they work for you, you can use the Monzenta Planner to explore potential opportunities and build a plan around your goals, time and available funds.

Explore Monzenta and find your path.

How much money can you make using money-making apps?

There isn't a standard amount you can expect to earn.

Some apps provide small rewards for surveys or simple tasks, while others let you earn through selling items or providing services.

Your results depend on:

• How many suitable tasks are available.
• Whether you qualify for surveys.
• How much time you can commit.
• Where you live.
• The value of the activities you complete.
• Payment conditions and withdrawal fees.
• Any costs associated with earning.

For example, a survey app might provide occasional small rewards, while selling an unwanted phone could generate a larger one-off payment.

Neither is guaranteed.

It's also important to distinguish between cashback and income. Receiving £10 cashback after spending £100 is a saving on a purchase, not £10 earned without spending.

Are money-making apps worth it?

They can be, provided you understand what you're signing up for and have realistic expectations.

Some people use survey and reward apps to generate small amounts during spare time. Others prefer local task apps, product testing or selling unwanted possessions.

The most useful app depends on what you want to achieve.

It may be worth trying one or two suitable platforms rather than signing up for every app available.

Check whether the time involved and any costs make the opportunity worthwhile.

How to choose a legitimate money-making app

Before downloading an app or creating an account, take a few minutes to check that it is legitimate and suitable for you.

Check who operates it

Look at the developer or company behind the app.

Check its official website, contact information, terms and privacy policy.

Be careful with unfamiliar apps that have no clear company details.

Understand how you earn

A genuine earning platform should explain what you need to do, how rewards are calculated and what conditions must be met before payment.

Avoid apps that promise guaranteed earnings without explaining how the money is generated.

Check the withdrawal conditions

Look carefully at:

• Minimum withdrawal amounts.
• Available payment methods.
• Processing times.
• Withdrawal fees.
• Identity verification requirements.
• Whether rewards can expire.

An app might display a balance that you cannot withdraw until you complete additional conditions.

Be careful with personal information

Some apps need access to information to operate, particularly when arranging payments or verifying your identity.

Check which permissions are requested and whether they are reasonable for the service.

Never share your banking passwords, card PIN or one-time security codes with an earning app or another user.

Avoid paying to unlock earnings

Be cautious of any app that requires you to pay money just to withdraw rewards you have supposedly earned.

Some legitimate offers involve purchases or subscriptions, but the costs and cancellation conditions should be clear before you start.

Watch out for money-making app scams

Scammers sometimes use fake earning apps and online reward schemes to target people looking for extra money.

Be particularly cautious of opportunities that:

• Promise unusually high earnings for very little effort.
• Require you to pay a deposit to withdraw money.
• Ask you to complete increasingly expensive tasks.
• Require you to recruit friends before you can cash out.
• Ask you to transfer money or cryptocurrency for someone else.
• Ask to use your bank account to receive or forward payments.

Never allow someone to use your personal bank account to move money on their behalf. This could involve money muling and expose you to serious financial and criminal consequences.

The National Crime Agency's guidance on money muling explains how these schemes operate.

Do you have to pay tax on money-making app earnings?

It depends on how you're earning the money.

Different activities can have different tax treatments.

For example:

• Paid work and services: Payments for providing services or carrying out freelance work may count as trading or miscellaneous income.
• Surveys and research rewards: These are not automatically self-employment income, but rewards may have tax implications depending on the activity.
• Selling possessions: Occasionally selling personal items is generally treated differently from regularly buying products to resell for profit.
• Cashback: Cashback on your own qualifying purchases is usually treated as a discount rather than income.
• Referral and promotional rewards: These may have different tax treatment depending on why and how the reward is received.

For qualifying trading and miscellaneous income, the £1,000 trading allowance may apply across relevant activities in a tax year. It is not a separate allowance for every app or platform.

Keep records of relevant income and expenses, and check the official guidance before assuming that an app reward is automatically taxable or tax-free.

Useful guidance:

• HMRC: Check whether you need to report income from online platforms.
• Low Incomes Tax Reform Group: Online traders and using platforms.
• Low Incomes Tax Reform Group: Trading allowance.

Find more ways to earn with Monzenta

Money-making apps can be a useful starting point, but they're only one part of the bigger picture.

Depending on your circumstances, you may find that flexible work, freelancing, selling possessions or other opportunities are more suitable.

Monzenta helps you explore different ways to earn, understand what's involved and discover options that could fit your goals.

Rather than relying on one app or signing up to everything you see advertised, compare your options and focus on the opportunities that make sense for you.

Ready to explore more ways to earn?

Use the Monzenta Planner to discover potential opportunities based on your target, available time and circumstances.

Frequently asked questions

What are the best money-making apps in the UK?

It depends on what you're looking for. AttaPoll, Qmee, Ipsos iSay, Swagbucks and Freecash offer survey or reward activities. Roamler and Field Agent provide local task opportunities, while Quidco and TopCashback focus on cashback.

Which apps pay you real money?

Some apps offer cash withdrawals through PayPal or bank transfer, while others provide points or gift cards. Examples include Qmee, AttaPoll, Roamler, Field Agent and UserTesting. Always check the current withdrawal conditions.

Are there money-making apps that pay instantly?

Some platforms advertise quick withdrawals once rewards have been approved. However, earning the reward, getting it approved and receiving the payment are separate stages. Check the payment conditions rather than assuming an app will pay immediately.

Can I make money using apps without investing?

Yes. Some survey, research and task apps can be used without making an upfront payment. Selling items you already own can also generate money without purchasing stock. Be cautious of offers that require spending money to unlock supposed earnings.

What are the best money-making apps for beginners?

Survey and reward apps can provide a relatively simple introduction because they generally involve creating a profile and completing available activities. Resale apps are another option if you have unwanted possessions to sell.

Do money-making apps actually work?

Some legitimate apps do pay users for completing surveys, research, tasks or selling products. However, the amount available varies and not everyone will qualify for every opportunity.

Can I make £50 a day using money-making apps?

There is no guarantee that you can make £50 a day through apps. Most survey and small-task opportunities offer limited rewards, and availability can vary. Higher earnings may involve selling valuable items or providing a paid service rather than completing surveys.

Are cashback apps a way to make money?

Cashback apps return part of the money you spend on qualifying purchases. They can help you save, but you normally need to make a purchase first. Don't spend money simply to earn cashback.

Can I use several money-making apps at once?

Yes, provided you meet each platform's terms and conditions. Some people use different apps for surveys, tasks, cashback and selling items. Make sure you're not duplicating work or spending more time than the rewards justify.

Are money-making apps safe?

Many legitimate apps operate in the UK, but scams exist. Research the developer, check the privacy policy, understand payment terms and never allow someone else to use your bank account to transfer money.

Does Monzenta pay people to use its platform?

No. Monzenta does not pay users for downloading the platform or completing tasks. It helps people explore, compare and plan different earning opportunities.