Money SMS App Review with Real Payment Proof
Money SMS is an Android app that pays you for doing almost nothing. Just install it, and it will start sending test text messages to your phone. Sometimes, it might also make calls to your number or send texts from your number to others.
Sounds easy, right? But is it really safe? And can you actually earn something decent from it?
That’s what I’m here to answer. In this article, you’ll find everything you need to know about Money SMS — how it works, whether it’s legit, and if it’s the right choice to earn passively.
So before you try it, read the full article — it could save you time and help you decide smartly.
Table Of Content
- 01. What Is MoneySMSApp.com and How Does It Work?
- 02. What Kind of Messages Will You Receive from Money SMS?
- 03. Is Money SMS Safe to Use?
- 04. Who Can Join Money SMS?
- 05. What Earning Opportunities Does Money SMS Offer?
- 06. How Much Can You Actually Earn on Money SMS?
- 07. My Real Experience (from a Tier 2 Country)
What Is MoneySMSApp.com and How Does It Work?
MoneySMSApp.com is a platform that pays you for receiving text messages. It helps telecom companies and mobile networks test their SMS delivery systems to ensure messages are reaching phones properly.
Here’s where you come in — by allowing test messages to be sent to your number, you help improve their service, and you get paid for it.
You don’t need to reply or take any action. Just receive the messages and earn passively.
Money SMS has been active for over 6 years and has over 1.3 million users worldwide already earning from it.
What Kind of Messages Will You Receive from Money SMS?
The messages you get from Money SMS are test texts — usually just random codes made of letters or numbers. Sometimes, they might include links or other test content.
You don’t need to read or reply to them. In fact, you should ignore them completely. These texts are only meant to check if messages are being delivered to your phone and how they appear.
Once the message is received, it’s automatically reported to their system. Your balance gets updated, and you can delete the message to keep your inbox clean. In many cases, the app auto-deletes the message for you.
Is Money SMS Safe to Use?
Let’s be honest — no SMS testing app is 100% safe, and that includes Money SMS. These types of apps always carry a small risk, mainly because you’re allowing access to your message inbox.
That’s why the Google Play Store doesn’t allow apps like Money SMS to be officially available for download. Due to stricter SMS policies, you won’t find it on the Play Store. Instead, you’ll need to download it as an APK from their official website.
Money SMS claims that they only collect test messages sent by them — messages with their codes — and all others are ignored and not stored. Still, since the app has access to your SMS inbox, there’s always a chance of privacy and security concerns.
Among apps in this category, Money SMS is considered one of the safest. You can use it without much worry, but it’s important to stay cautious and be aware of the risks involved.
Who Can Join Money SMS?
Money SMS is available in almost every country. If you have an Android phone running version 10 or above, you can join, start receiving test messages, and earn money — without doing anything extra.
What Earning Opportunities Does Money SMS Offer?
Money SMS offers easy ways to earn without much effort. Here’s a quick look at all the earning opportunities available on the platform.
Option 1 – Receiving Test SMS Messages
The primary way to earn on Money SMS is by receiving test text messages on your phone. For every message you get, you earn between €0.01 and €0.03.
To get more messages, keep the app running for many hours each day and make sure your phone is connected to the internet. Without internet, you won’t receive any messages, even if the app is running in the background.
Money SMS uses the internet to check if the message was delivered correctly and to send the results to their server.
Option 2 – Letting Money SMS Send Messages from Your Number
Another way to earn on Money SMS is by allowing the app to send test messages from your phone to other Money SMS users in your country. This helps telecom companies check how messages are delivered across different mobile networks.
To use this option, you’ll need to manually enable the SMS sending feature in the app. Once it’s turned on, the app will automatically send test messages when needed — you won’t have to do anything after that.
You’ll earn €0.15 for every message sent from your number. Money SMS will send only a maximum of 50 test messages per month from your number. Also, keep in mind that your mobile network provider may charge you for these messages based on their standard SMS rates.
🔔 Important Note: Your phone number will appear as the sender, so the person receiving the message will see your number. Although this is for testing purposes only, there’s still a small risk — since you don’t know who the message is going to. Use this feature only if you’re aware of the risk and comfortable with it.
Option 3 – Letting Money SMS Make Silent Test Calls to Your Number
Money SMS recently added a new way to earn — by letting the app make silent test calls to your number.
To start earning from this, you’ll need to manually enable the incoming call testing feature in the app. Once turned on, the app will make silent test calls to your phone. These calls are different from normal calls — they don’t ring, don’t show up, and won’t disturb you. The app just logs them quietly in the background.
These test calls help telecom companies check how well their networks handle calls, and in return, you earn €0.02 for each call received and logged.
📌 Important Note: Money SMS says it does not access your personal calls or interfere with calls from your contacts. It only handles these specific test calls. However, since you’re giving the app full call access, there’s a small privacy risk involved. Be sure you’re aware and comfortable with that before turning this feature on.
Option 4 – Inviting Others
Money SMS also offers a referral program that lets you earn extra money by inviting others to join the app.
Once you sign up, you’ll get your own referral code. You can find this code in the Referral Program section inside the app’s settings. Share it with friends, family, or anyone interested in earning passive income.
When someone uses your code during registration and starts earning (by receiving test messages or calls, or allowing SMS to be sent from their phone), you’ll earn a 30% bonus based on their earnings. This bonus doesn’t affect your referral’s earnings in any way — it’s a reward given by Money SMS for bringing in new users.
You can invite as many people as you like — there’s no limit!
💡 Important: You’ll only receive the referral bonus after your referral successfully makes a withdrawal from their account.
How Much Can You Actually Earn on Money SMS?
Your earnings on Money SMS mainly depend on two things: Your location and how long your device stays connected to the internet.
1. Location Matters
Users in Tier 1 countries (like the US, UK, Germany, etc.) usually receive more test SMS — sometimes 50 to even 100+ messages a day.
But if you’re in a Tier 2 or Tier 3 country, you might get only a few messages daily — and some days, none at all.
2. Internet Connection Duration
Your device must stay connected to the internet to earn.
- You’ll only receive test SMS and test calls if your device is online.
- SMS sent from your number to others also needs an internet connection.
The longer you’re connected, the more chances you have to receive messages and calls — which means more earnings.
💡 Bottom Line: If you’re in a Tier 1 country, Money SMS might give you some easy passive income. But if you’re in a different region, don’t expect much — you’ll need patience, and the earnings will be low.
My Real Experience (from a Tier 2 Country)
At first, I received a good number of messages — sometimes 10+ test SMS in a single day, and I made some decent earnings.
But after a few months, the number of messages dropped a lot — some days, I didn’t get any at all.
So, the earnings started strong but slowed down over time.
How Do You Get Paid?
Money SMS offers two easy ways to cash out your earnings:
- Cash via PayPal
- Crypto payments – Choose from Bitcoin, Litecoin, Ethereum, or USDT (Note: Ethereum and USDT options are only available in certain countries.)
The minimum payout threshold is just €2. Money SMS usually processes payout requests within a few minutes after you make the request.
Does Money SMS Really Pay?
Yes, it does! Money SMS really pays its users. I’ve personally received several payments from Money SMS without any issues.
Below is a screenshot of my most recent PayPal payment — just to show it’s real.
Can You Get Support?
Yes, Money SMS offers customer support. If you need help or have any questions, you can contact their team directly through the app or via their official website. They usually respond within 48 hours.
How to Get Started?
Getting started on Money SMS is quick and simple:
- Download the app – Visit the official Money SMS website and download the APK file.
- Sign up – Register using your phone number.
- Run the app – Let the app run in the background to start earning passively by receiving test messages.
To earn from test calls and allowing SMS to be sent from your number, you’ll need to enable those features manually in the app.
If you’re ready to try it out, click the button below to visit the official download page.
Pros:
- Easy passive income – Earn without doing anything once the app is set up.
- Multiple payment options – Choose between PayPal or crypto (BTC, LTC, ETH, USDT).
- Low payout threshold – You only need €2 to cash out your earnings.
- Quick payouts – Most payments are processed within minutes.
Cons:
- Low Earnings (for Most Countries) – Users outside Tier 1 regions may earn very little.
- Only available for Android – No iOS version.
- Requires Internet Connection – You must stay connected for messages and calls to work.
- Not available on Google Play – You need to download the APK from the official site.
- Privacy Concerns – The app gets access to your phone number and may send test messages or calls — this may not be comfortable for everyone.
- Earnings May Drop Over Time – Many users report fewer messages after the first few months.
Final Thoughts
Money SMS is a legit app that lets you earn a bit of passive income just by receiving test messages and calls. It’s easy to use, doesn’t need much effort, and offers fast payouts once you reach €2.
But keep in mind, it works best in Tier 1 countries. If you’re in another region, you may get fewer messages and earn much less. You’ll also need to keep the app running in the background and stay connected to the internet to earn regularly.
Overall, it’s a nice way to earn a little extra — just keep your expectations realistic.
Thank you.
