UPDATED: September 07, 2022

You might want to build up your savings, but you’re already occupied with your full-time job. You’ve probably heard about Money SMS, a money-making app, and want to give it a try.

However, you know that scams are prevalent, and some apps may collect your data but not pay real money. Is Money SMS legit?

We’ve heard about the app too, and getting paid for simply receiving SMS seems like a good idea. So, we tried the app to get firsthand experience. Then we dug into official Money SMS sources and independent sites. We also reviewed dozens of feedback from real users to gather helpful tips and insights.

Keep reading to discover our unique tip for making the most money on the app. Also, you don’t want to miss out on limitations to consider, so you won’t get disappointed when Money SMS doesn't meet your expectations.

What is Money SMS and what does it offer?

Money SMS allows you to make money by receiving texts. According to its website, such messages are generated by their system and customers. Currently, it has more than 430,000 registered users.

So is Money SMS app real or fake?

It’s a legitimate app that pays you because telecom providers must send test messages to other countries. This practice ensures the proper delivery of their SMS, so the companies will pay you for providing testing services.

Money SMS also claims it complies with the latest General Data Protection Regulation (GDPR) privacy policy requirements.

However, we didn’t find any information about the founder or company behind the website. There’s also no data on Money SMS’ history, so we don’t know when it started.

It’s available in several countries, including the US, Canada, Argentina, and the UK. You can join if you have a phone number and an internet connection.

How to make money on Money SMS app?

There are two ways to earn on the app: receiving SMS and inviting friends. But first, you must install the Money SMS app on your Android device.

1. Receive SMS

It’s the main earning opportunity on the app, and you’ll get paid €0.02 for each SMS you get. According to the app, you should keep the app running and stay online to earn money automatically.

When we used the software, Money SMS displayed a message instructing us to change the app’s settings. The app will only work if we select the “Manage manually” option under “App launch.”

You can check out the instructions below.

  1. Go to your phone’s Settings, then choose “Battery.”
  2. Select “App launch,” then look for Money SMS.
  3. Make sure the app is set to “Manage manually.”

The app also shows you the SMS you received in the last 30 days. This way, you can track your earnings.

2. Refer friends

Like most GPT sites, Money SMS also rewards you for inviting friends. You can earn 30% from their withdrawals, and they can get €0.25 once they provide your referral code.

Here’s how to access the code:

  1. Open the app, then go to Settings.
  2. Select “Referral program.”
  3. Copy the code, then send it to your friends.

Money SMS also shows the number of confirmed referrals for transparency.

So if you want to earn passively, you can try the Money SMS app.

How much money can you make from Money SMS?

Money SMS pays €0.02 for each text message. So if you receive five messages daily, you can earn €0.1 daily.

Assuming that you have five referrals, and they also earn €0.1 per day, then it’s possible to get an additional €0.15.

If you add your daily earnings from SMS and referrals, you can receive €0.25 per day.

How does Money SMS pay you?

Money SMS offers the following payment methods:

  • PayPal
  • Bitcoin
  • Ethereum
  • Litecoin

We’ve read on the website’s FAQ page that you can receive the money within 48 hours.

You can set it up by clicking “Add payment method” under Settings. The app will ask for your payment address if you select cryptocurrency, while it will request your email if you choose PayPal.

To cash out, tap “Balance” on the menu, then click “Withdraw.” But you need at least €2 to transfer your income to your chosen payment method.

So if you can earn €0.25 daily, reaching the minimum threshold after eight days is possible. However, we discovered it’s challenging to get €2 on the app. Keep reading to know what most users say about Money SMS.

How to get started with Money SMS?

Money SMS isn’t on Google Play, so we’ve downloaded the full app APK from the website.

Here’s how to download the app:

  1. Go to your device’s settings, then select “Security.”
  2. Click “Unknown Sources” to enable installing apps outside Google Play.
  3. Visit Money SMS’ official website to download the APK app.

Once you open the app, provide your phone number to check whether your carrier’s eligible.

After that, enter your real email to avoid any issues when withdrawing your income. Money SMS will then send a verification code that you need to input to complete registration. 

The app even gave us a €0.25 sign-up bonus.

How to be successful on Money SMS?

Money SMS offers relatively low pay, but here are some tips to help maximize your income.

  1. We discovered that Money SMS only offers limited slots for each carrier, so your network must have available slots for testers.
  2. Keep the app running to make the most money on the app. According to the website, you can increase the SMS you receive if their system sees that your number is available for tests.
  3. Turn on your mobile data when you’re not connected to the internet. Money SMS requires you always to stay online. This way, they can send text messages to your number.
  4. Money SMS has several instructions on how to install and use the app. Make sure to follow them so you won’t have any issues with your balance.
  5. Participate in their referral program because it’s another way to earn passively. You can increase your balance without receiving texts because you can get 30% of your referrals’ income.

Money SMS pros and cons

Money SMS is a legit app, but it’s not for everyone. We compiled the list of things we liked and didn’t like about the app to help you decide if you should try it.


  • Simple and passive way to earn
  • Low payout threshold
  • Provides clear instructions
  • Gives sign-up bonus
  • Several payment methods


  • Only for Android devices
  • Limited earning opportunities
  • Low rewards
  • Not available on Google Play
  • Offers limited slots for each network

If you don’t mind receiving random text messages and draining your battery faster, you can consider installing Money SMS. But you need to set your expectations because the app only offers low rewards. Also, it only pays €0.02 for each text, and there’s no guarantee that you’ll receive a message daily.

But since you won’t do anything other than downloading the app and keep it running, it’s still a great option to earn extra income.

Money SMS reviews and complaints

Most Reddit users claim that the app pays on time. They’ve also received their payments more than twice, but according to them, the number of text messages you can receive depends on your location. So if you’re in a country where telecom providers send thousands of tests, there’s a possibility that you can get more than one text.

We also looked into Trustpilot, where Money SMS has a 3.8 rating.

Most reviews are great, but some users say they haven’t received a text message for months. If you encounter the same problems, keep the app running and ensure that you have a strong internet connection to continue receiving messages.

Although the app says that it processes payments within 48 hours, users pointed out that they actually received their earnings within a few minutes.

However, it took them one to three months to reach the €2 minimum withdrawal amount.

How can you contact Money SMS customer service?

Money SMS has a comprehensive FAQ page, but you can submit a ticket on the app or website if you still have concerns.

You can access the contact form by going to the FAQ page, then scrolling down until you see the “Submit Inquiry” button.

Fill out the required fields, and type additional information so the support team can help resolve your problem.

What are the alternatives for Money SMS?

We found similar apps that you can also try:

You can earn $0.01 to $0.06 for each text message you receive from SMS Profit. Like Money SMS, it’s not available on Google Play. You need to download the APK app from its website to use the software.

The app requires a minimum of $2 before it approves withdrawal. We also found out that SMS Profit only has two payment methods: PayPal and Bitcoin, while Money SMS has four cashout methods.

McMoney doesn’t give a fixed amount on how much you can earn per SMS, but users say you can earn $0.02 to $0.06 per text message. You also need to install the APK app from its official website.

The withdrawal threshold also depends on your location, but according to reviews, you need at least $1 to request for payout. But you must wait for at least four weeks before the funds enter your PayPal account.

Cash4SMS pays €0.03 per text message, higher than Money SMS’ offer. You need at least €5 on your account and the only payment method available is PayPal.

Like the three apps mentioned earlier, Cash4SMS is unavailable on Google Play, so you must install the app from its website.

It seems that SMS Profit is a great alternative to Money SMS because you can earn up to $0.06 per text. The app also has a low cashout threshold of $2.

Final verdict on Money SMS

Money SMS is a legitimate app where you can earn passively. You only need to download the APK, register your phone number, and receive messages.

But make sure to set your expectations properly because Money SMS cannot give hundreds to thousands of dollars. Still, it offers a great way to earn extra income.