40+ Free Money Apps that Pay Instantly (November 2022 Guide)


Are you in a quick need of cash? Maybe you have an upcoming credit card bill or perhaps you just want some extra spending money.

Believe it or not, there are many ways you can get free money by using apps with sign up bonuses. In fact, it’s possible to get up to $200 completely free in some cases. Who would say no to that!?

Are you going to become a millionaire by using these free money apps? Probably not. But they can still be very worthwhile.

In this post, I’ll explore some of the best apps that give you free money and ways you can score some free money. Let’s get started!


Some of the best free money apps that pay instantly include:

40+ Best Free Money Apps & App Bonuses to Get Free Cash Instantly

Get Free Money with Swagbucks

Swagbucks is one of the best free apps that lets you earn real cash by doing a variety of activities. This is one of the best free money apps because you don’t need to spend any money to sign up or start earning and you’ll get $5 instantly when you create your account.

Claim My Free $5!

Some of the tasks that you can do on Swagbucks include:

  • Take high paying surveys
  • Watch videos
  • Grocery shopping
  • Playing games

Best of all, you can use Swagbucks from anywhere – from your couch, waiting in line, or before going to bed. You can allow videos to play continuously throughout your day, racking up points and benefits with little to no effort. Who wouldn’t want to get paid to do nothing!?

Between taking surveys, watching videos, and playing games – Swagbucks makes it easy to earn rewards and make money.

If you want to get free money in just a few minutes, register for Swagbucks now!

Need another reason to register today? With the link below you can claim a sign up bonus of $5 or $10 instantly!

Want to earn even more on Swagbucks? Check out these Swagbucks hacks to make more money!

Rakuten Insight

Rakuten Insight

Rakuten, a trusted cash back website, recently launched a paid survey platform that allows you to earn cash for each survey you complete.

With Rakuten Insight, you can earn money paid out directly to PayPal or via an Amazon gift card.

The best part of this survey site is the low payout threshold at just $5. Where other survey companies might require you to reach $20 or $25 before you can cash out, Rakuten Insight allows you to get paid after making just $5

If you want to earn some quick money, register for Rakuten Insight below!

Get Money Instantly with InboxDollars

InboxDollars is similar to Swagbucks and can be a great way to make money quickly.

To make money with InboxDollars, you can do things such as:

  • Taking paid surveys
  • Playing online games
  • Watching videos
  • Shopping online

Claim My Free $5!

The offers all vary in the money that they offer and the amount of time that it will take to complete them – so you should try to find offers that pay more money and take less time.

It’s possible to make over $50 fast with InboxDollars so I highly recommend this app to make money online.

But that’s not the only reason to register. When you use the link below you’ll get $5 or $10 of completely free money just for registering.

Want to earn more on InboxDollars? Check out these InboxDollars hacks to earn more money!

Earn $10 Free Cash with Fundrise

For a limited time, Fundrise is offering new investors $10 completely free when you invest just $10.

Fundrise is a real estate investing platform that allows you to easily invest in a variety of real estate assets without the stress of managing a property, dealing with tenants, or collecting rent payments.

With this money making app, you’ll not only collect some free money to start, but it can grow to become worth much more over time.

If you’re looking to make money without taking paid surveys, open your free Fundrise account below!

Albert Bank

Earn a Free $150 with Albert

Albert is offering new customers $150 free for a limited time when you complete a few basic qualifying actions.

This is a great opportunity to get free cash without having to do any work. Register below to get started!

Open My Account!

Get $100 Free with Axos Bank

Axos Bank

Axos Bank is offering new account holders $100 free when you sign up and complete qualifying actions by September 30th!

This is an excellent way to get free money without much effort. 

In addition to the welcome bonus, there are zero maintenance fees, and you can earn up to 1.25% APY on your balance.

Axos Bank is a no brainer if you’re searching for free money apps.

MobileXpression Free Money App

Get $5 or $10 Free with MobileXpression

MobileXpression is an easy way to get $5 or $10 (depending on current offer) completely free when you download software on your mobile device. With over 2 million users, this app is a trusted way to make money fast.

This platform is similar to the Neilsen Panel in that it runs in the background of your device and anonymously tracks your data. It’s parent company, Comscore is used by thousands of companies including many that are publicly traded.

Register below to claim your free money! (Keep in mind this free money app is only available on mobile devices, so desktop users can keep scrolling)

Create My Account!

Ibotta - Cash Back


Ibotta is a well-known shopping app that has been on the market for a long time. It allows you to save money by using a cash back method, utilizing various offers to submit easy cash into PayPal or your bank account.

You can earn cash back money through the Ibotta app by shopping at places such as:

  • Grocery stores
  • Retail stores
  • Entertainments services
  • Pet stores

By using the app you can get free money through Ibotta without much work at all.  

Plus, Ibotta offers an excellent sign up bonus of $5 when you create a new account making it one of the best money making apps on the market.

Get $10 Free with Acorns

Acorns is an investing and banking app that takes the money you haven’t spent and invests it in your savings account.

Every single time you make a purchase, it will round your cost to the nearest dollar and invest the spare change into your account. It’s a small enough amount that it will not harm your spending money.

Acorns also offers a banking account and debit card to make things easier. You can earn cash back when you shop online and in stores. Some retailers offer as much as 10% back in free money.

But that’s not it, when you register with the link below, you’ll get $10 completely free!

MyPoints Free Money App

Get Free Money with MyPoints

MyPoints is a lot like Swagbucks, but it boasts more features that make it one of the best free money apps that you can use. It’s an excellent combination of ways to earn points that will make money you can always have on hand in case of an emergency.

Some ways that you can ear minimum cash on MyPoints include:

  • Playing games
  • Watching videos
  • Shop online

With MyPoints, you can be watching videos while also taking surveys. This is one of the best apps that pay because you have so many different opportunities for additional income.

Register Now!


LifePoints Free Money App

LifePoints is another great money making app for taking paid surveys and more. You can easily make $5 a day in your free time – helping you reach your financial goals.

When you create an account you’ll score 10 LifePoints instantly with no work required.

LifePoints has paid out over $22 million to their users making it an awesome way to get paid for your time and have money delivered directly into your PayPal account.

Open My Account!

Survey Junkie

There are a lot of apps that allow you to earn rewards by completing surveys, but most of them also have other bonus items such as playing games or making online purchases.

Survey Junkie is unique because the only thing the site focuses on is surveys and paid focus groups. To earn extra money, you only need to focus on answering surveys.

Some of these surveys might be for the purpose of:

  • A population study
  • A review of certain technology
  • Job questioning

You might be able to qualify for any one of these by using Survey Junkie.

To use this app for making money, all you need to do is make a free account and start filling out questionnaires to see if you qualify for any of the available surveys. This survey app is wonderful because it will automatically search for and find surveys that appeal to you. Within a few hours, you should be able to get rewards.

But that’s just the beginning. With Survey Junkie you can also score up to $150 for each paid focus group you complete. Talk about a payday! Register below to get started!

Try Opinion Inn to Get Free Money

Opinion Inn is another great app that pays cash instantly. You’ll get $10 completely free when you register with the link below!

With almost $4 million paid out to users, this is one of the best money making apps on the market. 

Create your free account below to start earning extra cash!

Find Free Money with UnclaimedMoneySearch

UnclaimedMoneySearch is a platform that allows you to find free cash that you might not have claimed. All you do is enter your contact details and the system will look through state records to see if you have any unclaimed property.

You might be surprised at how often this occurs. It’s a free app that costs nothing to check.

In fact, when I checked mine, I had $23 in unclaimed money.

Use the link below to see if you have any free money floating around!

Claim Free Money!

Try KashKick to Score Free Cash

With this money making app you can can get paid to take paid surveys, watch videos, surf the web, and shopping at your favorite retailers.

KashKick pays cash via PayPal (which is my preferred payment) so you don’t have to deal with gift cards or other payment methods.

You can earn over $20 per survey you complete making it one of the highest paying money making apps you can get.

Get Started!

M1 Finance

M1 Finance is another free money app you can use to get free money when you sign up for a new account. 

You can claim up to $250 of free money when you open a new account. Best of all, it’s completely free to join. There are no fees to get started, making it a great option. 


Dosh is another cash-back app. It takes a different approach than other cash back apps such as Ibotta and Rakuten.

Rather than accepting offers or scanning receipts, you link a credit or debit card to the account on your phone. The free money is automatically applied when you participate in available offers.

Dosh offers cashback on places such as:

  • Small retailers and businesses
  • Places that serve food

Dosh offers a lot of access to smaller companies, as opposed to massive chains. Once you have enough rewards, you are able to withdraw them as free money.

Dosh is better than many other apps because the system that is used is automated. You don’t need to activate anything, you just need to shop. Create your Dosh account below to get started!

Sign Up Today!

Nielsen Panel

Get up to $50 with Nielsen Computer and Mobile Panel

Nielsen Computer and Mobile Panel is one of the easiest apps to use for free money.

They are a data research team that pays users to monitor their browsing activity. It seems a little creepy, but they are not invasive and run a reputable business.

All you need to do is download their application and let it run in the background whenever you do any searching on the internet. Your data is completely anonymous and private so you don’t need to worry about your data getting leaked. 

Get Up to $50 Free!

They have been around since the 1920s and have been an industry leader with millions of customers.

This is one of the best apps that give you free money because you can earn up to $50 just by letting the app run in the background.

In addition, this site is cool because they give away $10,000 every single month. By having their application in the background, you have a chance at gaining access to this free money. It only takes two steps to claim your free money. Just create an account and download the app with the link below to get started!

Capital One Shopping

Capital One shopping operates through the popular credit card company that we’re all aware of.

They allow you to make comparisons between items before buying, and they search out extensive deals that will allow you to save money when you are shopping online. This savings app gives you reward points that you can redeem for gift cards and other items.

Some places that you can shop by using the Capital One shopping app include:

  • Local merchants in your area, such as small boutiques and restaurants
  • Online, major retailers that exist across the country

All of the applicable companies and brands are listed on the app so that you can see where these rewards will go into effect.

Capital One likes to support local retailers. If you want to get extra cash while also supporting the city that you live in, this is one of the best money apps that gives you money. If this sounds intriguing to you, visit their website to learn more about all that their system entails.

Fetch Rewards

Fetch Rewards is a lot like Ibotta in the way that it offers cash back opportunities for its users when they shop.

Unlike Ibotta, Fetch Rewards only focuses on grocery shopping. You can get free cash whenever you go about your regular food shopping routine. You also don’t need to claim any offers to make more money. All you need to do is shop.

Fetch does not bring in as much money as Ibotta, but it boasts some other beneficial items that are almost better than earning more money. These include:

  • The ability to scan a receipt to earn points
  • Access to offers at all times just by looking at the app
  • Automatic cashback in your account when the receipt is scanned

These benefits make Fetch Rewards one of the best apps that pay users for doing simple activities that they are performing on a daily basis even without the app.

One of the best ways to make use of this app is to make money on it at the same time as Ibotta. This way, you will earn twice the amount of free money by shopping online or inside a store. You will gain access to free gift cards, which you can turn around and use in every area of your life. You can check out Fetch Rewards on their official website if you want to learn more.

Stash Overview


If you want to get free stock that can increase in value over time, Stash is a great app for you. If you’re looking for investing apps to make money, check out these real estate investing apps to grow your wealth.

With Stash you can invest in all of your favorite companies like Nike, Apple, Tesla, and much more. 


If you get receipts from the places that you shop, ReceiptPal is an application that you need to have on your phone. Whether you shop online or in physical stores, you can use your receipts to get access to cash rewards and other beneficial financial items. The benefits can be redeemed with nothing more than a simple scan.

ReceiptPal will give you free money through gift cards. Some of the types that they offer to those that use their app include:

  • Amazon
  • Target
  • Lowe’s
  • Visa

All of these are excellent forms of payment that come from the simple act of scanning a receipt.

ReceiptPal might take a little while to bring in a profit, but if you make a habit of scanning your receipts you are sure to earn some kind of income as time goes on. Those that enjoy gift cards will especially enjoy the results that this free application brings in. If you are interested in learning more about this application, you can read about it on their official website.

Truebill App

Truebill (Now Rocket Money)

Truebill is a great app that doesn’t make you money, but it saves you money without having to do anything (which I consider equally as awesome).

With Truebill you can have your bills negotiated for you automatically to save you money each month. Just connect your current bills and watch Truebill work its magic. It’s possible to save hundreds of dollars each month so why not give it a try??

Register below to see how much you can save!


iSurveyWorld is one of the best free money apps, because they’ll give you $5 completely free when you sign up and create an account.  

This is another survey site that works similarly to others on the list. They pay cash directly to your PayPal account which makes withdrawing your money easy. 

You’ll be instantly matches to new opportunities once you complete your profile so you can begin taking surveys almost immediately.

Embee Meter CX

Embee Meter CX is a mobile data research app, meaning you will make money if you allow them to monitor your data while you are online. You get meter points for leaving it on, which can then be redeemed in the form of Paypal income of gift cards of your choosing.

Embee Meter CX only works on Android, so if you have an iPhone you will need to look for another option. It is completely safe and incredibly easy for anyone to use. If you want access to this simple platform, examine their application on the store for more details.


If you like playing games, Mistplay is a free app for you. You’re not going to get rich by using this, but you will have an opportunity to gain gift cards and other rewards by playing fun games. Mistplay, unlike other apps, will not feel like a waste of your time.

Some examples of games you can play here include:

  • Dragon City
  • Tropicats
  • Poker Heat

All of these are fun and simple enough for anyone to understand.

If you have free time in your day where you play games, you might as well do ones that can bring in some form of income. Check out their website if you think this might be the right choice for you.

Zap Surveys

Zap Surveys is yet another platform that allows users to earn money by completing surveys for various amounts of money. This site has a great reputation. Users can expect this company to give them the money that they are promised. In fact, you can earn $6.25 on the very first survey you complete on Zap Surveys.

The minimum amount that you need to earn to cash out is twenty-five dollars. This is not hard to obtain if you are persistent and continually check the site for available surveys. If this sounds like a good option, you should look at their website for more vital information.


UpVoice is a site that runs in the background. Like cash back apps, you don’t need to do much to earn money on things that you already do. All you need to do is download the application and let it run in the background whenever you search. Through this, you will be able to earn tokens. Once you get enough, you can turn them in for some free money.

Some sites included on UpVoice include:

  • YouTube
  • Twitter
  • Amazon
  • LinkedIn

Visiting all of these sites with UpVoice running in the background will earn you some money.

It might seem nerve-wracking to have an application monitoring you all the time, but UpVoice does not intrude to an excessive extent. They do not collect personal data, so you don’t need to worry about your information being hacked or destroyed. The gift cards that you get from this site come through anonymous methods that will keep your personal information out of danger. You can access their site for more information.


Robinhood offers a way to make money that makes use of the extensive stocks that make up so much of our financial system. They will give you free stock, which can then be invested and turned around to make a profit. Those intrigued by free stock will enjoy this application.

To get started on Robinhood, all you need to do is:

  • Make a free account
  • Access free stock
  • Pick what you want to invest in

Robinhood offers a simple way to earn cash.

If you want a little bit of a challenge with your free cash, Robinhood is a great choice. You can participate in the ups and downs of the market without worrying that you are going to lose any real money that you have put into the system. Free money is easy with stocks, and they do not charge commissions on trades. You can learn more about Robinhood on their site.


Internet bills can be a hassle. In this day and age, everybody uses the internet. Whether for work or school, the cost can add up quickly. Honeygain allows you to earn money by letting other people use your internet. This might seem odd, but if you are a single person paying for the internet this will be incredibly beneficial for your bank account. It will make the bill cheaper each month.

To use Honeygain, all you need to do is install the app on your computer and provide the necessary information to allow others to use your personal internet. You won’t earn a lot of money using Honeygain, but it will save you money on your internet bill and thus keep your pockets padded with a little extra in case of emergencies. Over time, this will add up. If this sounds good to you, scan their site for more details.

Rakuten App


Rakuten is another app that will permit you to save money. Whether shopping online or investing at the store, this app allows you to earn money by obtaining up to 40% back on various in-person and online purchases. You get these earnings through Paypal or check. It’s easy. You simply shop as normal and you will earn cash.

To get money by using Rakuten, you can shop at locations like:

  • Retailers
  • Restaurants
  • Food delivery services

All of these are quality places for you to gain access to extra money.

Of course, the one downside to Rakuten is that you need to spend money to get any back. However, your balance only needs to be five dollars to withdraw, and earning is easy. Simply activate the offer before you go into the store, and you’re all set. You can learn more about Rakuten on their website.


Shopkick allows you to gather rewards points, which they refer to as kicks. By scanning participating items, you will be able to gather these points and withdraw them in the form of gift cards. To scan a barcode, you need to purchase the item first or find a highlighted product. You cannot simply walk around a store and scan barcodes for fun.

Shopkick can come in handy if you shop at:

These, and more, can earn you points that are redeemable on Shopkick.

If you do a lot of shopping, this is one of the best apps that you can do. It is free to download, scan, and retrieve gift cards if you use this app enough. Over time, this can bring in a large amount of money. If this sounds good to you, check out their official website to learn about how you can take part in Shopkick’s reward system.


If you have to pay bills each and every month, you know that the cost can build up really quickly. From electricity to entertainment services, your pockets can be drained within the span of a month. Trim is a negotiation app that lowers your monthly bills and helps you to cancel ones that you aren’t using anymore. It provides you with savings money, excellent for those that live on their own.

A critical thing to note about Trim is that they will charge you a fee if they are able to save you money. If they are taking a chunk of only a small bit of cash, this will not be very helpful. However, if you are saving a ton of money the cut will still be much cheaper than paying full price on the bills that you have each month. You can check out Trim’s site to learn more if this sounds good to you.


If you are over the age of sixteen, chances are high that you are a driver. Nowadays, gas is expensive. GetUpside provides a unique solution to this issue, permitting you to earn money as you fill up your car on the road. It also offers cashback options at other places, much like Ibotta and Rakuten. The ability to earn money on gas is what sets it apart from all of the other free applications that give you money.

To use GetUpside, all you need to do is:

  • Locate gas stations that sill save you money
  • Recommend others to the app for bonus income
  • Receive your money through a gift card, PayPal, or check

You will be saving money while filling up your tank so that you can get places.

GetUpside is an excellent app for drivers. If you don’t drive or have a vehicle, this won’t be very useful to you. If you do, it can make all the difference. You can learn more on their official website if you are interested.


Lucktastic is the last app on our list, but it is certainly not the least. This application targets those who enjoy taking their chances at playing games. You have the opportunity to take in large cash prizes on this app. Even if you don’t win big, you can earn tokens that are redeemable for gift cards. This isn’t the most efficient way to make money, but it is easily the most fun.

There are a ton of things that you can use on this application. Some examples of the games that you can play on Lucktastic include:

  • War Dragons
  • Disney Emoji Blitz

These are just two games out of the many that you can access if you decide to try your hand at making some free money through Lucktastic.

As the name suggests, most of this app is based on luck. You’re more likely to earn money through other methods, but if you like games this can be a simple and creative way to attempt to bring in significant capital. If this sounds good to you, you can learn more about Lucktastic on their site.

Register Now!

Poshmark to Sell Stuff


Poshmark is an app that allows you to make money by posting old clothes that you do not want to use anymore. All you need to do is take a quality picture of your stuff, post it on the platform, and wait for someone to bite. This is a great app because it takes advantage of online shopping. It is also sustainable, as it allows you to sell old clothes in your free time.

On Poshmark, you can sell items from popular retailers such as:

  • Shirts, including tank-tops and t-shirts
  • Shoes, such as boots and sneakers
  • Pants, like trousers and jeans
  • Accessories, including bandanas and bracelets

If these items are in good condition, you can offer a decent price for them.

The money that you earn on Poshmark can be received through a check or a direct deposit to your bank account. They do take a cut of your earnings, but Poshmark permits financial freedom so that you can have savings on the side at all times. 



Raise is a free app that pays you when you cash in gift cards.

Best of all, your gift cards don’t have to be unused. You can sell your partially used gift cards and earn money without much effort.

Just list your cards for sale and get paid. You can earn over 70% of the cards value when you cash them in. If you need money fast, this is a tremendous option.

Money Making Apps to Earn Real Cash Fast

Below are some of my favorite apps to make money quickly. While not all of them offer cash bonuses immediately when signing up, most of them offer a variety of methods to earn free gift cards and cash.

Panda Research

Panda Research is a great way to make money online taking surveys, referring friends, and reading emails.

It’s possible to earn up to $50 per survey you complete and with over $2 million paid out to users, it’s a popular and reliable way to make extra money.

This is one of the best apps that give you free money because of the large payouts and easy to use platform.

Register below to get started!

Branded Surveys

Looking for another great survey site to earn free cash?

Branded Surveys is an easy to use site that has paid out over $21 million to users.

Register below to get started!

Register Now!

Pinecone Research

Making money by taking product surveys can be a fun way to make money.

By using the free app you can make extra money whenever you have free time.

Register below to get started!

Register Now!

Open a High Yield Savings Account

Opening a high yield savings account is an obvious way to get free money and it;s recommended by many personal finance experts.

My favorite account is through CIT Bank. It offers no fees and pays 10 times the normal interest rate on a savings account.

Register below to open your free account today!

Apps with Sign Up Bonuses in 2022

Some of the best apps with sign up bonuses in 2022 include:

Some of these bonuses will allow you to instantly withdraw, while others might require you to complete a few actions first.

Best Apps That Give You Money for Signing Up

There are many free money apps that give you money for signing up.

For example, Nielsen Panel, Swagbucks, and InboxDollars will all offer you free cash when you sign up. 

Sign Up Bonuses with Instant Withdraw

While some free money apps will require you to complete a few actions to get your money, there are some sign up bonuses with instant withdraw options. 

How to Get Free Money Instantly No Catch

When it comes to getting money for free, many platforms seem promising but ultimately don’t deliver.

If you’re looking for a free money app with no catch, some of the options below to get you reach your goal.

  • Swagbucks – free $5 when you register and complete surveys

Final Thoughts on Free Money Apps

Whether it’s watching videos or shopping online – many apps pay money directly into your PayPal account.

You can play games, shop online, or take some surveys online to earn free PayPal cash with these apps that give you free money.

Some apps that give you free money won’t require you to do any work. For example, you can register for Swagbucks to score $5 completely free.

Have you tried any of these apps that give you money? If not, give them a try today!

Forrest is a personal finance, entrepreneurship, and investing expert dedicated to helping others obtain life long wealth.
He has a Bachelor’s degree in business and has been featured in many popular publications including Forbes, Business Insider, Bankrate, CNET Money, and many others.
To learn more about Forrest, visit the About Me Page for more info.

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