McMoney Review: Is It Really Worth Trying? [Payment Proof Included]
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McMoney Review: Is It Really Worth Trying? [Payment Proof Included]
McMoney is an Android app that lets you earn money by receiving SMS messages on your phone. The app is legit and pays users for each message received. But is McMoney really worth using, and is it safe to use?
In this detailed McMoney review, you will learn about how the app works, how much you can earn, and whether it is safe to use. Read the full review and then decide if McMoney is the right option to earn passive income by allowing it to send text messages to your phone.
Table Of Content
What Is McMoney and How Does It Work?
McMoney is an SMS testing app that works with global telecom operators and messaging service providers. These companies need to test text messages before sending them in large volumes. The goal is to make sure messages are delivered correctly and shown in the right format.
To run these tests, companies rely on McMoney, and McMoney uses real users like you. When you install the app and allow it to send test SMS messages to your phone, you earn cash rewards in return. The process runs in the background and does not require any effort from your side.
McMoney has been operating since 2013 and is owned by a Netherlands-based company called CM Netherlands B.V. Over the years, the platform has built a strong reputation by offering reliable message testing services and by consistently paying users who receive SMS messages as part of the testing process.
What Kind of Messages Will You Receive from McMoney?
The SMS messages you receive from McMoney are test messages. Each message includes a 16-digit code made of letters and numbers. This code helps McMoney identify and track the test SMS.
The message text may look different each time. This is done to check whether the SMS is delivered correctly and has not been changed during delivery. You do not need to read, reply to, or interact with these messages in any way.
Once the test SMS is received and your account balance is updated, you are free to delete the message. The entire process is automatic and requires no effort from your side.
Is McMoney Safe to Use?
No app that pays you for receiving test SMS messages, including McMoney, can be considered 100% risk-free. To work properly, the app needs access to your phone’s inbox so it can check whether its test messages are delivered correctly.
McMoney states that it only looks for SMS messages that contain its unique test code and does not read personal messages. However, like any service that requires inbox access, there is always a small level of risk involved.
Because of this, it’s important to stay aware and cautious when using SMS-based earning apps. If you are comfortable with the permissions and understand the risks, McMoney can be used as a passive earning option.
Who Can Join McMoney?
McMoney is available to users worldwide. To join, you need an Android phone with an active SIM card and an internet connection, either mobile data or broadband.
Keep in mind that McMoney pays only through PayPal. So, you must have a verified PayPal account to receive your earnings.
What Earning Opportunities Does McMoney Offer?
McMoney offers three simple ways to earn rewards. Each option lets you earn passively, with little to no effort. Below is a quick overview of the earning opportunities available on McMoney.
Option 1 – Receiving Test Messages
The primary way to earn on McMoney is by allowing the app to send test SMS messages to your phone. You earn a small reward for each message received, and the amount paid per SMS varies depending on your country and the demand for message testing in your region.
In most countries, McMoney pays $0.01 per SMS. Users in high-demand regions may receive more test messages, sometimes even several messages in a single day. In low-demand regions, you may receive only a few messages in a month, and on many days, you may not receive any at all.
To receive test SMS messages, your phone must have an active SIM card and stay connected to the internet. An internet connection is required so McMoney can send test messages, check delivery results, and report them back to its system automatically.
Option 2 – Inviting Others
McMoney also lets you earn extra money through its referral program. After joining the app, you will receive a unique referral code, which you can find in the Referrals section of the app.
You can share this code with friends or anyone interested in joining McMoney. When someone uses your referral code during sign-up and starts earning by receiving test SMS messages, you earn a referral bonus.
You earn $0.20 each time one of your referrals receives a certain number of test SMS messages. McMoney does not clearly mention how many messages are required to trigger this bonus.
There is no limit to how many people you can invite or how many times you can earn from a single referral. Every time your referral reaches the required number of test SMS messages, $0.20 is added to your referral balance. After that, the referral reward resets, and you can earn the same bonus again when they reach the requirement next time.
This referral program offers a simple way to earn extra passive income alongside your regular earnings from receiving test SMS messages.
Option 3 – Referral Contest
McMoney occasionally runs referral contests where users can win big cash rewards by inviting active referrals during a limited contest period. The prize pool and the number of winners may change from one contest to another.
If you are good at sharing and networking, these contests give you a chance to win big cash rewards without much effort. Bringing in more active referrals increases your chances of winning higher rewards.
How Much Can You Actually Earn on McMoney?
Your earnings on McMoney are not fixed. How much you make mainly depends on two key factors: your location and how long your phone stays connected to the internet..
1. Location
Your location plays the biggest role. McMoney sends more test SMS messages to countries where there is higher demand for message testing. If you live in a high-demand country, you may receive more messages and sometimes earn a slightly higher rate per SMS.
In low-demand regions, you may receive very few test messages. In most cases, the payment is $0.01 per SMS, and it can take several months just to reach the $1 minimum payout threshold from test messages alone.
2. Internet Connection Time
Keeping your phone connected to the internet is just as important as your location. Simply installing the app is not enough. Your phone must stay online so McMoney can send test SMS messages, check delivery results, and report them back to its system. The longer your app-installed phone stays online, the more chances you have to receive test messages. More online time usually means more messages.
Keep Realistic Expectations
McMoney is a passive earning app, not a full-time income source. Even in high-demand regions, most users will not earn more than $10 per month. In low-demand areas, earnings are usually much lower, often around $1 to $2 per month. These estimated earnings are possible only if your phone stays connected to the internet and is available 24/7 to receive test SMS messages.
To maximize your earnings, keep your phone connected to the internet as much as possible—but always keep expectations realistic.
How Do You Get Paid?
McMoney pays users only through PayPal. There are no other payment options available, so you need a verified PayPal account to receive your earnings.
The minimum payout threshold is $1, but reaching it can take time. If you live in a low-demand region or keep your phone online for fewer hours, it may take several months to reach the payout threshold.
Keep in mind that earnings from receiving test SMS messages are added to your main balance, and referral earnings are tracked separately.
You’ll only be able to request a payout when your main balance reaches the $1 minimum payout threshold. Once you request a payout, your referral earnings are paid together with your test SMS earnings.
McMoney processes payment requests once every four weeks, usually on a Thursday.
Does McMoney Really Pay?
Yes, McMoney does pay its users. Payments are made through PayPal, and the platform has a good track record of sending payouts on time.
I have personally received payments from McMoney several times via PayPal. Below, you can see a recent payment screenshot as proof that McMoney is legit and pays users reliably.
Can You Get Support?
Yes, McMoney offers reliable customer support. If you have questions, face issues with your account, or are not receiving test SMS messages, you can contact the support team for help.
McMoney offers support through email, WhatsApp, and Facebook Messenger, and responses usually arrive within a few hours.
How to Get Started?
Getting started on McMoney is simple. First, download the app from the official McMoney website and install it on your Android phone. After installation, sign up using your phone number.
Next, allow the app access to your SMS inbox and let it run in the background. Once set up, McMoney will automatically send test SMS messages to your phone and add rewards to your account for each message you receive.
After your balance reaches the $1 minimum payout threshold, you can request a payout anytime through PayPal.
Pros:
- Worldwide availability – McMoney is open to users in most countries.
- Passive earning option – You earn money just by receiving test SMS messages.
- Easy to use – Once set up, the app runs in the background and requires no daily effort.
- Pays via PayPal – Payments are sent through PayPal, which is convenient for many users.
- Low minimum payout threshold – You can request a payout once your main balance reaches $1.
- Support available – McMoney offers support through email, WhatsApp, and Facebook Messenger.
Cons:
- Very low earnings – Even in high-demand regions, earnings are limited. Most users will not earn more than $10 per month.
- Location-dependent income – Earnings depend heavily on your country. Users in low-demand regions may earn very little.
- Internet required at all times – Your phone must stay connected to the internet, often 24/7, to receive more test SMS messages.
- Inbox access required – The app needs access to your SMS inbox, which comes with a small level of risk.
- PayPal only payment method – There are no alternative payout options.
Final Thoughts
McMoney is a legit Android app that lets you earn money passively by receiving test SMS messages. The app is easy to use and offers reliable customer support.
However, there are a few downsides to consider. To earn, you need to allow the app access to your SMS inbox, which comes with a small privacy and security risk. Earnings are also very limited. Even if your phone stays connected to the internet for long hours, the amount you earn will be low. If your phone is online for less time, earnings will be even lower. In addition, McMoney pays only through PayPal and does not offer other payout options.
Overall, McMoney can be a decent option if you are comfortable giving inbox access, understand the small risks involved, and keep realistic expectations. It works best as a passive earning app that earns small amounts in the background automatically while you use your phone normally.
I hope this McMoney review helped you understand the platform better. If you’ve already used McMoney or have any questions about it, feel free to share your experience or drop your questions in the comments — I’ll make sure to reply to everyone.
Thank you for reading!
