Australia’s Top Money-Making Apps

[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]We could all do with a little extra income, whether it’s to stay on top of the bills or fund an upcoming holiday.

If you’re looking to boost your bank balance, why not turn your smartphone into an easy source of income with money-making apps?

There are plenty of money-earning apps that allow you to make some extra money with minimal effort. Sure, some require you to leave the house, but others can get you paid for doing the things you’re already doing – like online shopping.

So what are the best money-making apps to make you a mint? Find out as we review some tried and tested money-making apps that really pay.


Man Doing Survey - Cigno Loans

How would you like to make money just by answering questions about yourself? Pureprofile involves paid activities like filling in surveys, watching videos and visiting websites.

The best part is they’re tailored to you, so you won’t be stuck answering questions about fishing if that’s not what you’re interested in.

It just takes a few minutes of your time each day and you can get paid real money. No muss, no fuss – just cold, hard cash deposited straight to your bank account. You can also choose to redeem your earnings in the form of gift cards, movie tickets, discounts and more.

Download or learn more about Pureprofile.


Woman Grocery Shopping - Cigno Loans

Get money back on in-store and online purchases with Cashrewards. This app allows you to get cash back at over 1,200 different stores. From groceries and fashion to travel and alcohol, you could be getting money back whenever you buy your everyday necessities through the app.

The only thing is, it can take up to 100 days for retailers to approve your cash back. But it’s worth the wait.

Woolworths, BWS and Uber Eats are just a few of our favourite participating retailers.

Download or learn more about Cashrewards.


Taking Photo of Dog - Cigno Loans

If you fancy yourself a bit of a photographer, Twenty20 is a great way to get paid for your pics. Simply sign up, snap away and get paid a commission whenever one of your photos is licensed for use by a subscriber.

Twenty20 also has competitions that ask you to fill a brief (e.g. take a photo of a dog at the park). The winner gets a cash reward and their photo is featured to subscribers.

Download or learn more about Twenty20.

Field Agent

Man Mystery Shopping - Cigno Loans

Get paid to feel like a secret spy with Field Agent. This app requires you to do some mystery shopping, check out local prices, and take photos of things like landmarks and menus.

Once you download the app and make an account, you’ll be sent jobs based on your profile. Jobs might include tasting foods and drinks at a restaurant, mystery shopping at a retail shop, or checking prices in a grocery store. This app works best for people who live in urban areas, where there’s normally more opportunity for job prompts.

Download or learn more about Field Agent.

Receipt Hog

Woman Photographing Receipts - Cigno Loans

This is another one that gets you paid just for buying the things you normally would. Simply shop anywhere and buy anything, take a photo of your receipt to earn ‘coins’ that translate into money, and get paid through PayPal or Amazon gift cards. You can also take short surveys to unlock more coins.

Download or learn more about Receipt Hog.

Money-making apps are a handy way to earn easy money. But if you’re still a few dollars short for that bill or other expense, a small cash loan might help you in the meantime. Find a Solution Today! with our short-term finance specialists.

Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.



Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice –

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat