free money apps

Free Money Apps You Need on Your Phone

(Disclaimer: this post may contain affiliate links meaning I get a commission for recommending the products to you guys. Read full disclaimer here).

Saving money can be hard when we need to pay our necessities such as our bills, groceries, insurance, etc. There are so many things that we have to pay for that we feel there is nothing left for us on the table. What if I told you, you could save extra bucks by using free money apps?

Back then I barely used my money. I would always save, save, and save until I needed it for something important or something that I REALLY wanted. I love to live frugally but also treat myself to a lot of things as well. I liked to save money and spend it on things that matter to me the most. I know for some of us, we grow up in different circumstances so your financial problems may be different from others.

I have found some ways to help you save a little more, and I hope these small tips help you guys out because I have been using them for quite some time now! Most of these free money apps are easy to use, and I highly recommend using them on your phone.

I also just want to give you a heads up that you are not making a lot of money from this. If you think this will cover your full-time income, it's not. These apps are just to earn extra bucks here and there. Like if you want a small meal or a cup of coffee. I want to be honest with you guys first and not to deceive you all. I always find ways to help myself and others.

Here are some of the free money apps I am currently using right now, and you should download them too.

Cash App

This is one of my favorite free money apps that I love to use, and it allows me to send, save, and invest my money. The main features of this app are paying people and getting paid. It is similar to Venmo where you can send money to your friends or transfer money from Cash App to your bank account (takes up 2 to 3 days).

You can also request a free Visa debit card which is known as a Cash Card. This can be used at brick-and-mortar retail locations or ATM.

Stock can also be purchased by using the money you have in your Cash App balance. However, it has a limited selection of investment opportunities though. Once you are signed up you have 3 options where you can invest your money in such as stocks, exchange-traded funds (ETFs), and Bitcoin.

This is great for those who want to get their feet wet with low risk. You can put in as little as $1. Cash App is really easy to use and anyone can start today!

Fetch Rewards

Do you like getting points and turning them into rewards? Fetch is an app where you can earn rewards points by taking pictures of your receipts, but if you make a purchase from the brands listed, you can earn more points. How cool is that right?

To give you an idea, 1,000 points is equal to $1. Once you have enough points you can trade it in to get gift cards. They have a list of gift cards that you can choose when you get enough points such as Amazon, Target, Addidas, Macy, etc. With this app, you are literally shopping for free.

I found this way to be easy and fun to do with little effort. I have been using this for a really long time and love how easy it is to use. This is one of the free money apps that I use weekly.

Once you download the app and sign up with my referral code TQTFP, or use this link so that we both get additional points.


Swagbucks is a free online membership program where you can earn some rewards or cash back by taking surveys, answering questions, watching videos, and completing daily tasks.

Swagbuks allows you to make money while doing simple tasks. Who doesn't love rewards right? You may think it's a scam, but it is not!

I use this whenever I have a small break or waiting for my appointments. I don't use it often, but whenever I do have the chance, I would. The tasks are EXTREMELY EASY and it goes by very fast in my opinion.

Some tasks you may have to do would be taking surveys, watching videos, playing games, discovering deals, and referring other people. It's not anything too difficult and anyone can do it.

You can redeem your gift cards or get cash to your PayPal. You can earn up between $25-$100 a month. It's not going to be a full-time income, but it'll give you extra money for the month. If you have free time, I highly recommend using it.

It's never hurt to try something new and see if you can earn a little money back right? Download it and try it out.


Do you like to shop online? Ibotta is a free cash back reward app that is similar to your credit cards. By purchasing things online with the app or extension, you can earn some money back.

This app has partnered with over 1,000 brands and retailers, so you are most likely to know some of them. You can buy things from clothes, groceries, electronics and so forth, and the app will give you cash back for your purchases.

There is always a holiday, birthday, or a pampered day for ourselves, and we don't want to splurge our money. This app is a great way to save and shop like a pro.

Try it out and see if you like it. If you sign up here, we both get $10 if you submit your first receipt, so it's a win-win for both of us.


You may have heard Rakuten before. It was formerly known as Ebates but is now called Rakuten. It is a free app and extension where you can earn cash back when you shop online. It is very similar to Ibotta. If you love to shop online, you might want to consider downloading this.

Rakuten has become popular not because of its great deals but also the ease of use. The best way for you to use is to pair it up with your credit card. If you like to shop on Amazon you can pair it with Rakuten cash back offers.

It is so much easier than searching for a coupon to use because you will always have your phone with you. When you need to shop for something, you can just search it up and it'll show you the best offers that are available. Try it for free!


I cannot tell you how amazing Honey is. You can't earn money from Honey, but you can save some money while purchasing things online. I have been using this extension (also an app too) on my laptop for years, and I really love it. It has helped me to save a lot of money in the long run!

Whenever I shop online, Honey applies all the coupons it knows online and applies them to my order before I complete the order.

I have been using it for years, and I save a lot of money to this day! I love how I don't have to type in the promo code because Honey does it all for me. It's as simple as counting 1, 2, and 3.

With Honey, you can save an extra $5, $10, or $15 on your purchase. We all love to save an extra buck or two for some other things right?


How would you like to get paid just for walking? Sweatcoin is one of the best free money apps that everyone should have since it's easy money. You may probably think that it's a scam but it's not! I tried and test it out already. You can earn money just by inviting friends or you can earn rewards.

There are so many things you can get for free just by exchanging your sweatcoin. Sweatcoin has multiple brands so there are many to choose from: fitness products, jewelry, restaurant voucher, self-care products, and many more.

There are always new things being added, so every day can be different.

All you have to do is download the app, let it run in the background, and start walking. It's as simple as that!

Closing Note 

These free money apps are easy to use, and I hope these help you save an extra buck or so. No matter what app you use, just remember why you are using it. It can be tedious at times, but if you can earn or save a bit more money, then it is a win-win situation. 

I hope you enjoy these free money apps that I am currently using.

Thanks for reading and I'll see you in the next post!

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She started her blog, The Money Dreamer, when she realized the 9-5 job was not the lifestyle she wanted anymore. After designing for a while, she wanted a more meaningful life, which was freedom, so she decided to venture out. She took action so that she can live her dream life and decided to help people to live theirs by helping them how to save, budget, and invest.

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