If you’re looking for legit money-making apps but don’t want to link a bank, make a deposit, or spend money upfront, this list is for you.
The apps below allow users to earn through surveys, tasks, cashback, or simple activities — no deposits required to get started. While the payouts are usually smaller than banking or referral bonuses, these apps are popular because the barrier to entry is low.
Scrambly
- Deposit required: No
- Cashout minimum: $1.25
- Pays via: PayPal, Cash App, gift cards
Scrambly pays users for completing offers, testing apps, and playing games. It’s one of the fastest options on this list due to its low cashout threshold.
Join Scrambly & cash out from $1.25
PaidViewpoint
- Deposit required: No
- Pays via: PayPal
- Best for: Consistent, legit surveys
PaidViewpoint focuses on higher-quality surveys and fewer disqualifications. Earnings are steady rather than instant, making it a reliable option for patient users.
Get started with PaidViewpoint
Swagbucks
- Deposit required: No
- Pays via: PayPal, gift cards
- Best for: Multiple earning methods
Swagbucks allows users to earn through surveys, offers, watching videos, and online activities. While payouts can be slower, the platform is well-established.
Fetch
- Deposit required: No
- Best for: Receipt scanning rewards
Fetch rewards users for scanning grocery and retail receipts. Points can be redeemed for gift cards, making it a low-effort earning app.
Scan receipts & earn rewards with Fetch
25Clicks
- Deposit required: No
- Pays via: PayPal
- Best for: Simple online tasks
25Clicks pays users to complete small tasks and missions. Earnings are modest, but setup is quick and straightforward.
⚠️ What to Expect From No-Deposit Apps
These apps:
- Don’t replace a full-time income
- Pay smaller amounts that add up over time
- Are best used as starter options or side earners
If you’re looking for larger bonuses or referral income, deposit-based apps typically pay more.
Want More Options?
This post only covers apps that don’t require a deposit. If you want to compare fast payout apps, referral bonuses, or higher-earning options, check out the full directory below.
👉 View all money-making apps here
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