30 Best Money-Making Apps in Canada 2022: Earn With Your Phone

Are you looking for a fast, reliable, and unique way to make extra money?

Over 88% of Canadians own a mobile phone. This means that most of us carry around a portable computer that we can use to earn some money.

Today, there are tonnes of great apps that allow you to make easy side money from your smartphone.

These are some of the best money-making apps in Canada to earn some extra income.  

Make Money With Market Survey Apps

How many times have you left a Google review without thinking about it, or commented on the quality of your food or products to a friend? Even sending a Facebook like is sharing an opinion about something you enjoy.

Every day, we automatically rate things for free.

Wouldn’t it be great if you could get paid to share your opinion, though?

Most of these apps allow you to earn money by watching ads, answering surveys, or sharing your opinion about a brand or product.

1. Survey Junkie

  • How much money you can earn: $1-3 per survey
  • Minimum withdrawal: $10
  • iOS Rating: 4.6 | Google Play Store Rating: 4.5
  • Download on the Apple App Store or the Google Play Store

Survey Junkie is one of Canada’s largest paid survey apps. Once you sign up, you’ll be prompted to complete surveys for different brands, products, and services. Completing surveys will earn you points, which you can then convert into money.

You don’t need any special skills or expertise to earn some side cash with Survey Junkie. You just answer questions with your honest opinion.

Depending on the survey, you can expect to earn anywhere from $1 to $3 per every survey that you complete. Surveys can take anywhere from two minutes to fifteen minutes, and longer surveys typically offer a higher payout.

How It Works:

Get started by creating a profile on their website here. Answer questions about yourself and your household, which will determine what surveys you qualify for.

Start taking surveys! You can take any number of surveys that you qualify for and earn points.

Use your points to redeem cash. The minimum withdrawal is $10.

2. Swagbucks

  • How much money you can earn: $3 to $6 per survey
  • Minimum withdrawal: No minimum
  • iOS rating: 4.4 | Google Play Store Rating: 4.2
  • Download on the Apple App Store or the Google Play Store

Swagbucks is one of the highest-rated survey apps on both the Google Play Store and the Apple App Store. I’ve tried it out and I  love the simple, easy-to-use user interface, and I rarely ever encounter problems with it.

Once you create an account, you’ll be matched with surveys that correspond with your demographic profile and location.

Most surveys offer at least $3. Unlike other survey-taking apps, though, Swagbucks pays you through gift cards instead of cash.

This makes it a great way to earn some extra cash for a night out or a day of shopping.

How It Works:

Join Swagbucks and receive a $5 signup bonus by creating an account online here.

Earn points. You can easily earn points by shopping online, answering surveys, watching videos, searching the web, and more.

Redeem your points for free gift cards from retailers like Amazon, Walmart, and Paypal.

3. Daily Rewards

Daily Rewards
  • How much money you can earn: $1 to $5 per survey
  • Minimum withdrawal: $30
  • iOS rating: 4.5 | Google Play Store Rating: 4
  • Download on the Apple App Store or the Google Play Store

Daily Rewards is another great survey-taking app that offers real cash rewards (based on a points system) for completing surveys and market research questionnaires.

Daily Rewards is the Canadian version of the popular American survey app, InboxDollars. Both platforms are nearly identical. The only difference is that Daily Rewards focuses on Canadian companies, while InboxDollars provides surveys to American companies.

The concept is simple: take surveys and earn money! Most of the surveys require less than twenty minutes to complete and typically pay a few dollars each.

How It Works:

Download the app and create an account. You’ll earn $5 for signing up. Once your account is verified, you’ll be able to access a list of recommended surveys. You can complete these surveys on your own time. With each completed survey, you’ll earn money.

Once you earn $30 (the minimum withdrawal amount), you can transfer your rewards to your bank account.

4. Ipsos i-Say

Ipsos i-Say
  • How much money you can earn: $1 to $5 per survey
  • Minimum withdrawal: $15
  • iOS rating: 2.5 | Google Play Store Rating: 2.9
  • Download on the Apple App Store or the Google Play Store

Ipsos is a fairly large market research company. Their app, i-Say, allows Canadians to complete surveys in exchange for “i-Say points.” Once you’ve earned around 1,500 i-Say points (which is equivalent to about $15), you can cash out.

Ipsos i-Say allows you to choose between transferring your money to your PayPal account or sending it to a prepaid Visa card, which you’ll be provided with.

Depending on the length of the survey, you can earn a few dollars per survey. If you’re fast, you could easily earn upwards of $10 per hour (or more), just by answering simple questions.

How It Works:

Download the i-Say app and create an account. Once your account is verified and complete, you’ll be shown a list of compatible surveys that match your profile.

Complete surveys to earn i-Say points, which can be redeemed for cash. Payouts come via Paypal or are deposited to a prepaid Visa card.

5. Pinecone Research

Pinecone Research
  • How much money you can earn: $3 to $5 per survey
  • Minimum withdrawal: $3
  • iOS rating: 2.4 | Google Play Store Rating: 3
  • Download on the Apple App Store or the Google Play Store

Pinecone Research is one of the most respected market research groups in Canada. In general, I’ve found that surveys on this app pay a bit more.

Each survey pays an average of $3 to $5, depending on the length of the survey and the company that’s offering it.

Another nice thing about Pinecone Research is that they allow you to cash out after accumulating just $3.

How It Works:

Download the Pinecone Mobile App and create an account. You’ll be matched with surveys that you can start completing for cash rewards. You can immediately cash out as soon as you earn $3 or more.

Related Reading: Top Survey Sites in Canada

Earn Money To Shop & Play With Money-Making Phone Apps

Earn Money To Shop & Play With Money-Making Phone Apps

Did you know that you can also earn money from your phone just by doing more of what you already spend your time on?

These Canadian money-making apps offer cash rewards, gift cards, and points to users for playing games, shopping online, and performing other online activities.

6. Mistplay

Mistplay
  • How much money you can earn: $50 per month
  • Minimum withdrawal: $5
  • iOS rating: 4.9 | Google Play Store Rating: 4
  • Download on the Apple App Store or the Google Play Store

This easy-to-use app allows users to earn points for playing fun mobile games. The points can then be exchanged for gift cards, which you can choose from.

If you enjoy mobile gaming, this is a great way to earn some quick side cash for your hobby.

How It Works:

Download the Mistplay app, create an account, and start playing. You’ll be rewarded with points for accomplishing goals or for time spent playing.

Points can be exchanged for cash gift cards. The minimum gift card payout is $5, which is equivalent to around 1,500 points.

7. KOHO

KOHO Logo
  • How much money you can earn: 0.5% to 10% cash-back
  • Minimum withdrawal: Not applicable
  • iOS rating: 4.8 | Google Play Store Rating: 4.6
  • Download on the Apple App Store or the Google Play Store

KOHO is a free-to-use service that provides you with a reloadable Mastercard. Your KOHO Mastercard will earn you an average of 0.5% cash-back on most purchases.

The app also offers special short-term deals with preferred retailers. In some cases, you can get as much as 10% cash-back for shopping with your favourite brands.

How It Works:

Download the KOHO app and create your account. Your reloadable debit card should arrive in the mail within five business days.

Use the app to manage your cash-back rewards and apply the credit to purchases. Each account is insured for up to $100,000 in the event of fraud.

8. NielsenIQ Homescan

NielsenIQ Homescan
  • How much money you can earn: $50 per year
  • Minimum withdrawal: $50
  • iOS rating: 4.6 | Google Play Store Rating: 3.3
  • Download on the Apple App Store or the Google Play Store

NielsenIQ Homescan is an app that pays you $50 per year to scan your grocery receipts. The company sends your consumer data to market research groups. It may not sound like much, but it’s a super-simple way to earn some extra cash just for buying groceries!

How It Works:

Download the NielsenIQ Homescan app and create an account. Take a photo of your grocery shopping receipts and submit the photo on the app. You’ll be paid $50 every year for your participation in the program.

9. TopCashback

TopCashback
  • How much money you can earn: Cashback rewards on purchases
  • Minimum withdrawal: Not applicable
  • iOS rating: 4.7 | Google Play Store Rating: 4
  • Download on the Apple App Store or the Google Play Store

TopCashback is an easy-to-use app that allows you to earn cash back by shopping with preferred online retailers. If you love shopping online or need to buy some gifts during the holidays, this is a great way to reduce your expenses and earn cash-back rewards.

How It Works:

Download the app and sign up. Use the app to access preferred retailer sites. Earn cash-back for shopping online.

10. Caddle

Caddle
  • How much money you can earn: Cash-back rewards on groceries
  • Minimum withdrawal: $20
  • iOS rating: 3.8 | Google Play Store Rating: 3.8
  • Download on the Apple App Store or the Google Play Store

Groceries are more expensive than ever, and the Caddle app is a great way to offset rising costs. Every time you buy groceries, you’ll be prompted to scan your receipt to earn cash-back rewards. Your cash-back rewards will vary depending on weekly deals.

Caddle also allows you to earn easy side money by completing market research surveys.

How It Works:

Download the app and create an account. Scan your grocery receipts and earn cash back. You can cash out once your cash-back balance totals $20 or more.

11. Rakuten

Rakuten
  • How much money you can earn: Cash-back for online purchases
  • Minimum withdrawal: $5.01
  • iOS rating: 4.8 | Google Play Store Rating: 4.1
  • Download on the Apple App Store or the Google Play Store

Rakuten is very similar to TopCashback, as it lets me earn cash-back rewards for shopping online with preferred retailers. Once you accumulate enough rewards, you can cash out via Paypal or opt to receive a check in the mail.

It’s a great way to save if you’ve already got shopping planned for the week. The cash-back deals vary from week to week, depending on current promotions.

How It Works:

Download the app and create your account with Rakuten. Use the app’s portal to access online stores. Whenever you spend money through the Rakuten portal, you’ll earn cash back. Once you’ve accumulated at least $5.01, you can cash out.

12. Drop

Drop
  • How much money you can earn: Cash-back gift card rewards for purchases
  • Minimum withdrawal: No minimum
  • iOS rating: 4.6 | Google Play Store Rating: 4.3
  • Download on the Apple App Store or the Google Play Store

Drop is a simple shopping app that consumers can link with their debit cards. Whenever you make a purchase from a preferred retailer, you’ll earn “Drop points.” The number of points you’ll earn will vary depending on weekly cash-back deals.

Unlike Rakuten and TopCashback, Drop allows you to earn cash back on everyday purchases, so you don’t have to shop online.

How It Works:

Download the Drop app, create an account, and link your primary debit card. When you spend money, the Drop app will reward certain purchases with Drop points. Each Drop point is worth $0.01, so 100 points is equivalent to a dollar.

13. Ampli

ampli logo
  • How much money you can earn: Cash-back rewards from top retailers
  • Minimum withdrawal: $15
  • iOS rating: 5 | Google Play Store Rating: 4.6
  • Download on the Apple App Store or the Google Play Store

Ampli is a cash-back rewards app that gives me points whenever you shop with one of Ampli’s affiliated brands. Currently, you can earn cash-back rewards for shopping with Leon’s, Gap, SportChek, Lowe’s, Home Depot, Burger King, CIBC, Lululemon, Mark’s and a growing list of other top retailers.

How It Works:

Download the app, create your Ampli account, and connect your debit card. You’ll be rewarded with a cash-back percentage or a set amount of money every time you shop with one of Ampli’s affiliated retailers. Once you earn $15 worth of Ampli points, you can cash out.

14. Checkout 51

Checkout 51
  • How much money you can earn: Cash-back rewards on groceries
  • Minimum withdrawal: $20
  • iOS rating: 4.1 | Google Play Store Rating: 4.2
  • Download on the Apple App Store or the Google Play Store

Checkout 51 is an app that allows you to make money just by buying groceries. You can get small rebates on things like tomatoes, bananas, eggs, and milk. It’s a quick and easy way to offset the ever-rising cost of groceries in Canada.

How It Works:

Download the app and sign up for free. Browse the list of cash back options. If you’re in-store, simply purchase products with corresponding offers on the app.

Redeem your offers by taking a picture of your receipt. Build up your cash-back rewards. Once you hit $20 you can cash out through PayPal or a mailed check.

15. Sweatcoin

Sweatcoin
  • How much money you can earn: $0.05 per day with the free membership
  • Minimum withdrawal: $0.10
  • iOS rating: 4.6 | Google Play Store Rating: 4.5
  • Download on the Apple App Store or the Google Play Store

You can literally earn money by walking. Sweatcoin tracks your steps and pays you in ‘digital currency’ that you can use to redeem for rewards. The more steps you take, the more you earn.

How It Works:

Download the app, allow it to use your GPS, create an account and start walking (or running). Generally speaking, you’ll earn about one Sweatcoin for every 1,000 steps you take.

Once you earn enough Sweatcoin, you can browse the Sweatcoin marketplace for things like audiobooks, fitness apparel, cellphones, and even televisions.

Related Reading: Best Coupon Apps in Canada

Money-Making Side Hustle Apps

Money-Making Side Hustle Apps

If you’re looking for supplemental income, then you can’t go wrong with the “gig economy.”

These money-making side hustle apps allow you to earn money for deliveries, courier services, and providing services.

16. Instacart

Instacart
  • How much money you can earn: $5 to $10 per delivery, plus tips
  • Minimum withdrawal: $5
  • iOS rating: 4.8 | Google Play Store Rating: 4.1
  • Download on the Apple App Store or the Google Play Store

Instacart pays “shoppers” to shop for customers who’d rather stay at home. If you live in a mid to large-sized city, this is a great way to earn some side cash. In most cities, Instacart shoppers earn an average of $20 or more per hour.

How It Works:

Download the app, apply to be a shopper, and create your account. Once approved, you can start accepting orders immediately. You’ll pick up groceries, food, and other items from stores, deliver them to customers and get paid. You’ll earn a minimum of $5 per delivery, and you’ll keep 100% of your tips.

17. Postmates

Postmates
  • How much money you can earn: $15 to $20 per hour, plus tips
  • Minimum withdrawal: $5
  • iOS rating: 4.8 | Google Play Store Rating: 4.2
  • Download on the Apple App Store or the Google Play Store

Postmates offers delivery jobs of groceries, food, and alcohol to various customers in your city. It’s very similar to Instacart. I’ve never personally used this app before, but I have friends who’ve picked this up as a side gig.

You can earn more by “multi-apping,” which is where you’re signed into both Postmates and Instacart at the same time.

How It Works:

Signing up requires you to be 18 years of age or older, have a driver’s license and insured vehicle (if driving a car), and pass a background check.

After being approved, you’ll be ready to start delivering. Using the Postmates app, you will be able to receive delivery orders and fulfill them.

Once you’ve fulfilled orders, the money will be deposited into your bank via direct deposit.

18. Uber

Uber
  • How much money you can earn: $15 to $25 per hour, plus tips
  • Minimum withdrawal: No minimum
  • iOS rating: 4.6 | Google Play Store Rating: 4.6
  • Download on the Apple App Store or the Google Play Store

Uber is the most widely-used ridesharing platform in the world. Once you’re accepted, you can also deliver food orders, similar to DoorDash. The handful of times I’ve used Uber Driver, I’ve earned at least $25 per hour, in addition to customer tips.

How It Works:

Download the Uber Driver app and sign up. You’ll need a driver’s license and vehicle registration for your car.  You’ll also need at least a year’s worth of driving experience.

Consent to a background check and make sure your car meets the minimum requirements. Get your vehicle inspected, as Uber requires a vehicle inspection at least once a year.

After all is finished, you’re good to go! Start driving with Uber and use the app to deliver riders.

Once you start driving, you’ll be able to earn money weekly via direct bank deposit or opt-in for instant daily deposits.

19. Wag! Make Money Dog Walking & Pet-Sitting

Wag! Make Money Dog Walking & Pet-Sitting
  • How much money you can earn: Around $25 per hour, plus tips
  • Minimum withdrawal: No minimum
  • iOS rating: 4.7 | Google Play Store Rating: 3.3
  • Download on the Apple App Store or the Google Play Store

Do you love dogs? Why not try out Wag!, where you can earn money by walking other people’s dogs. You can also earn up to $26 per night pet-sitting or boarding a dog in your own home. Wag walkers generally earn $12 per half-hour walk, plus tips.

How It Works:

To sign up for Wag!, you need to submit an application which consists of a quiz and a short Bio. After one to three days, you’ll know if you’ve been accepted or not.

You need to pay a fee of $25 for the application process. Once done, you’ll be asked to provide more information, such as a photo, identification, and social security number.

After a final review and approval, you’re ready to walk. Turn on the app to find dog walk requests in your area. You can choose between 20-minute, 30-minute, and hour-long walks.

20. DoorDash

DoorDash
  • How much money you can earn: $15 to $20 per hour, plus tips
  • Minimum withdrawal: $5
  • iOS rating: 4.7 | Google Play Store Rating: 3
  • Download on the Apple App Store or the Google Play Store

Work as a delivery driver for DoorDash, choosing your own hours and delivering food. Drivers can earn quite a bit of cash working for this company. The average amount earned by drivers in most cities is equivalent to $20 per hour or more.

How It Works:

To sign up, you need to be 18 or older and have a car, scooter, or bicycle along with a driver’s license and government ID. Submit your application and consent to a background check.

Once you’ve been accepted (usually within a few days), you can start working. Accept local orders in your area, pick up the food and drop them off at customers’ locations.

Your money earned is deposited into your bank account each week.

21. Fiverr

Fiverr
  • How much money you can earn: Minimum of $5 for services, plus tips
  • Minimum withdrawal: $30
  • iOS rating: 4.9 | Google Play Store Rating: 4.6
  • Download on the Apple App Store or the Google Play Store

Fiverr allows users to create accounts and offer online services to a global network of clients. You can earn money for almost anything on Fiverr.

I’ve even seen gigs that charge $5 for making a “Happy Birthday” video song recording and sending it to a client. I’ve hired people off Fiverr for things such as graphic design, photography, and more.

The minimum you’ll earn is $5 per gig. However, you can also offer more expensive packages as well.

How It Works:

Sign up for a Fiverr account and list your service. Once your service listing is approved, you’ll be able to accept offers from clients.

Fiverr acts as a broker and holds the client’s money until they approve your project. Then, Fiverr will give you your money.

22. AirBnB

AirBnB
  • How much money you can earn: $100 to $10,000 + per month
  • Minimum withdrawal: $60
  • iOS rating: 4.8 | Google Play Store Rating: 4.5
  • Download on the Apple App Store or the Google Play Store

AirBnb is an app you can use to share your home or a room to travelers. Throughout the years, AirBnb has been my go-to app to make a little extra cash if I have extra space in my house. I also have an AirBnb rental in a hot tourist destination in Asia that I rent out.

AirBnb has a much higher barrier to entry than other apps on this list (since you need a property to rent out), but your potential to make more money is a lot higher.

How It Works:

To sign up to become a host, you’ll need to create a profile, add a picture, and get verified using your phone number and ID (for safety purposes).

Next, you’ll need to register your room (or entire place) on the app. Add photos and a neat description to attract potential guests. You can also set your price, schedule, and requirements for guests.

And now your place is up for listing. All that’s left is to wait for someone to book your room

23. TaskRabbit

TaskRabbit
  • How much money you can earn: $15 per hour or more
  • Minimum withdrawal: No minimum
  • iOS rating: 4.8 | Google Play Store Rating: 4
  • Download on the Apple App Store or the Google Play Store

TaskRabbit is an online, mobile marketplace where buyers and sellers of services are connected. Services include handyman jobs, moving, home repair, cleaning, and more.

How It Works:

In order to work for TaskRabbit, you must be 21 years of age, have a government ID, pass a background check, have a Facebook or LinkedIn page, and have a bank account to deposit your funds in.

After signing up, which includes confirming your identity and signing up for a background check, you’ll have to go through a training session to start working.

Set your hourly rates and the type of work you do. As a Tasker, you can accept jobs posted by clients, and clients can also reach out to you.

Related Reading: Best Side-Hustles in Canada

Make Money With Canadian Investing Apps

Make Money With Canadian Investing Apps

If you have some extra money, why not put it to use by investing it? Even though the stock market might not be the greatest right now, there is still money to be made.

You just have to do your research and invest in companies that you see growing into profitable investments.

These Canadian investing apps allow you to buy stocks, portfolios, and cryptocurrency, so you can put your money to work for you.

24. EQ Bank – Excellent Interest Rate

EQ BANK LOGO 2

If you’re looking at finding a great savings account that is insured up to $100,000 by CDIC, then look beyond the big banks of Canada.

EQ Bank has a 2.00% savings rate, which is one of the highest in Canada today, and over 100 times higher than most of the big banks.

How it works:

Sign up for free at EQ Bank here. You’ll have to verify your identity and connect to your bank. After you’ve completed that, you can deposit money into your account and start earning interest. 

25. Wealthsimple Invest

Wealthsimple Invest is a great investment app for beginners, as it encourages you to invest in ETF portfolios rather than individual stocks.

It is what’s known as a robo-advisor, which constructs an ETF portfolio for you and manages it as well. 

Wealthsimple charges an annual management fee of between 0.4% – 0.5%, which is much lower than most mutual funds in Canada.

How It Works:

Download the app and create an account. Once your account is verified, you’ll be able to connect your bank account and start investing in ETF portfolios.

26. Questrade

Questrade Logo

Questrade is one of Canada’s fastest-growing stock broker apps. As a registered member, you’ll be able to invest in commission-free ETFs.

The only problem is that their mobile app (both iOS and Android apps) is a bit buggy. This has led to some poor performance reviews.

I recommend investing via the Questrade desktop website until the app’s bugs get worked out.

How It Works:

Download the Questrade app or sign up online. Start investing in ETFs or stocks. You can convert your investment into cash and transfer your funds to your linked bank account at any time.

27. Coinbase

Coinbase logo

Coinbase is one of the world’s largest cryptocurrency investment platforms and is now available in Canada.

Once your account is verified, you’ll be able to invest in top cryptocurrencies like Bitcoin, Ethereum, and Litecoin. Coinbase also allows you to invest in over a hundred other coins.

Just keep in mind that cryptocurrency is highly volatile. Until you have some experience as a cryptocurrency investor, I don’t recommend investing any amount that you can’t afford to lose.

How It Works:

Signup for Coinbase online or through the mobile app. You’ll be required to fill out tax forms and provide identification for KYC verification. Once your account is set up, you’ll be able to invest in all available cryptocurrency tokens.

You can cash out at any time and receive your money within one business day. Coinbase does charge a small fee for initial cash purchases as well as for cashing out. However, there is no minimum amount to cash out.

28. Moka

Moka is a great way to invest your spare change into stocks and ETF portfolios. Once you link your bank account and debit card to the app, all of your purchases will be rounded up. The spare change will go straight into your Moka account and be invested into stock portfolios of your choice.

Just set it up, use your debit card as normal, and check on your investments from time to time!

How It Works:

Download the Moka app and create an account. After verification, you’ll be prompted to link your primary bank account to the app. Purchases will be rounded up, and the spare change will be invested into stocks that you choose from the app.

You can un-link your card, stop investing, and cash out at any time.

29. Tangerine

Tangerine logo

Tangerine is an online banking app that offers incredibly competitive interest rates on savings accounts. If you’ve been thinking about creating a savings account, then Tangerine is a great way to earn more on your savings. The more you save, the more you’ll earn!

How It Works:

Download the Tangerine mobile banking app or sign up online. You can transfer funds into your Tangerine savings account and earn annual interest on all of your savings! You can withdraw your money at any time.

30. STACK Finance

Stack Logo

STACK Finance is a great way to earn cash back as you spend money. Officially, STACK Finance is a budgeting app. Along with your account, you’ll be given a STACK reloadable Mastercard.

From the app, you’ll be able to select from a variety of cash-back deals that you can apply to your STACK Mastercard. This allows you to earn more cash-back than most credit cards offer and manage your spending with the app’s free budgeting tools.

How It Works:

Download the STACK Finance app and create an account. Once you complete registration, a reloadable Mastercard will be sent in the mail. Use the app to manage your spending, create a budget, and apply cash-back deals to your card.

Conclusion

Best Money-Making Apps in Canada

Does this list of money-making apps encourage you to step up your mobile money-making game?

My experience with these apps has been positive, both as a worker and a consumer.

Even using one or two apps can earn or save you cash and help you earn a bit of extra income in the long run.

If you want more ideas about how to make money from your couch, check out this ultimate guide on how to make money online in Canada.

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Author Bio - Christopher Liew is a CFA Charterholder with 11 years of finance experience and the creator of Wealthawesome.com. Read about how he quit his 6-figure salary career to travel the world here.

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